davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-25
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX How is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account
Consumer complaint received 2022-04-20
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. (VA)

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 15USC 1681. 
XXXX XXXX XXXX account # XXXX XXXX XXXX and XXXX account # xxxxxxx which was through XXXX XXXX XXXX XXXX XXXX XXXX for {$240.00} which was adjusted off per XXXX XXXX an employee at XXXX XXXX and XXXX in XXXX Virginia. Since there is no account listed under my name, then by by law you have 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 2023-01-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX, due to the misleading information and terrible service received from Bank of America on multiple occasions, I requested in writing via email that my application for a HELOC be withdrawn/canceled with the bank ( whom my wife & I also have bank accounts and a credit card ). I was emailed back that I would receive a confirmation that I'd withdrawn/canceled my application. While XXXX XXXX- the original rep- did not respond, her supervisor XXXX XXXX confirmed in writing via email that it would be canceled. 

However, Bank of America then continued to process the application, sending documents to let me know they'd done everything from pull up my credit file and stating they'd conducted an ( unapproved, illegal ) appraisal of my home, to contacting my insurance company, XXXX XXXX, on XX/XX/XXXX and XX/XX/XXXX without my knowledge to demand they be added as a lienholder on our homeowner 's insurance ( I know this because my agents at XXXX XXXX emailed me directly to ask if they should comply since I had not authorized this ). In addition, my wife and I continued to receive packages from Bank of America almost daily in the mail, demanding private information including my pay stubs, tax records, and more - even though, as mentioned, our application had been canceled/withdrawn from Bank of America XXXX 

On XX/XX/XXXX, I emailed XXXX XXXX at Bank of America again to stop the barrage of demands they were sending us in the mail for documentation. She responded on XX/XX/XXXX stating " We truly apologize, but you should not have been receiving documentation or demands as both applications were closed in our system. I have attached the letters indicating that we did not proceed with the request of both applications. '' ( She did nothing to investigate/stop the paperwork from continuing to be mailed to our home. ) However, the letter she attached to that email ( which they also mailed to me, received via USPS today XX/XX/XXXX which they had backdated to XX/XX/XXXX ... after our last conversation ) did NOT say our applications were canceled/withdrawn, but rather were Adverse Action Letters that stated the application was DENIED based on my credit file and inability to verify my application information. 

This is patently false, as my credit file never should have been pulled since I'd already canceled my application, and my application was never denied because it was canceled before it was even completed! The letter from them is outright fraudulent, and I contacted them again today XX/XX/XXXX to advise them that they needed to send us a letter stating the application was withdrawn, NOT declined, and to remove the credit inquiry from my credit file since my application was withdrawn before it could be processed. 

I have attached copies of email and written communications related to this.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, I called my bank to place a claim due to transactions happening without my approval they gave me a claim number, issued me a new card told me they will look into all the transactions give them 10 days any issues will be credit to my account, all transactions in total was {$1100.00} I call them today XX/XX/XXXX to get an update on the claim and I was told the claim has been denied I asked why the representative couldnt give me an answer. I work hard for my money and for me to see that it was fraud activity with my account and the bank isnt helping me I feel hopeless. My card was stolen when I was in the XXXX XXXX XXXX  XXXX, not sure who took the card since people was in and out of the room.
Consumer complaint received 2023-01-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (GA)

XXXX theys try to take my home in i take the attorneys from XXXX XXXX they help me the lawyers but the take all my money from XXXX to XXXX i {$1.00} in they put new balance on my house they refinance but the bank put new balance i pay o most XXXX XXXX dollars in theys never give to me back my money i pay before
Consumer complaint received 2022-06-25
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. (SC)

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX A XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-14
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. (SC)

For almost 2 years, I have tried to get Equifax to update that status of an account that is OPEN but is reporting as CLOSED. I have disputed the item in effort to get it updated to correct information only for them to tell me that it has been verified by my loan company XXXX XXXX. I have up to date payments and documentation to verify that the account IS OPEN and ACTIVE yet even though I have contacted XXXX  and they are fully aware of the error in their reporting, they have yet to correct it on my Equifax credit profile.
Consumer complaint received 2023-01-17
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)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

While at citi bank on a Sunday XX/XX/XXXX XXXX 2024 at approximately XXXXXXXX XXXX to XXXX XXXX a period which presented themselves as a cit bank sercurity guard stated that its a problem with the atm not working properly and instructed me to try the atm at the drive through window outside away from the lobby area, this was around XXXX XXXX  XXXX XX/XX/XXXX sunday and this was After i typed my PIN numbers in, once I typed my PIN number in this individual rushed to the screen and started tapping on it saying its not working use the one in the drive thru Once i left to go to the drive thru this individual a XXXXXXXX XXXX male about XXXX ft to XXXX medium build, XXXX skin in a green vest with the word security on it proceeded to the same atm i was at while i was walking out of the lobby to the drive thru atm once at the drive thru i atempted to make a withdrawal and the message came back insufficient funds this was a account the had over XXXX dollars in it when I left to go ro the back now shows XXXX and some change shortly after that I noticed the security guard was gone with the vehicle that was parked outside and at that point I received a alert saying XXXX had been withdrawn from my account. I immediately followed up by calling the fraud department and explained what had happened and who was in the lobby dressed as a citi bank security guard. The citi bank fraud department said they would investigate the incident and provide a provisional credit for the amount pending a investigation which could take up tp 45 days. On XX/XX/XXXX XXXX days after the incident I received a message from the bank stating my funds woul not be reimbursed. I meet with the bank branch manager who disclosed to me this was a scam this had happened before at various banks and citi was aware the bank mgr name is XXXX XXXX AT XXXX XXXX XXXX XXXX illinois. I filled a police report with XXXX police the report number is XXXX The officer who take the complaint is badge number XXXX.
Consumer complaint received 2021-08-23
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: HYUNDAI CAPITAL AMERICA (GA)

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of National Engine Settlement against Kia and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from Kia ( A National issue ). Mechanics from XXXX XXXX ( XXXX  XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to Kia with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
Consumer complaint received 2022-03-22
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. (NJ)

Alleged Collection account : Under advice of counsel for litigation the following collection company did not provide proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
XXXX XXXX XXXX  XXXX {$1600.00}
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

I closed a credit card on XX/XX/year> and was told by yhe representative ( over a recorded line ) that my cash rewards balance ( {$120.00} ) would automatically transfer to my account balance once the quarter ended on XX/XX/XXXX. My rewards balance was never transferred and I was told by wells fargo that my balance had been forfitted. This was obviously not what they said on the phone and had I know I'd lose the balance, I'd have just kept the account open for a few more weeks to collect. I sat on the phone with WF for XXXX minutes only to be hung up on and told my balance now belonged to WF.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX   XXXX {$1300.00}
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (MI)

This has to be a follow up from the complaint that was closed.This is response is unacceptable. This is still not resolved. ( XXXX ) The named individual in the response is unreachable and has left no specific extension on which to contact her in the letter. I WANT AN EXTENSION TO SPECIFICALLY SPEAK TO XXXX. THE GENERAL NUMBER DOES NOT ALLOW ANY OF THE REPRESENTATIVES TO CONNECT YOU WILL HER. 

I would like this in the record please and I have no problem telling what has been done to me. I fell behind on my mortgage because I was sick in 2019 ( XXXX ) and after recovering, I was hit with XXXX  in late XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not working until the start of this month. 

The investors responsible for my home have formulated a repayment agreement set up for failure asking for more than what I can afford for over nine months. The way this is written they will easily be able to take my home. 

This organization does nothing to help the consumer. They should be ashamed of themselves including the investors. 

I would like an opportunity to catch up my loan on a Forbearance. In this way I will be able to catch up by XXXX. 

I want someone who can help me to this. As stated I want to talk to XXXX not be brushed off with a letter with no extension. 

There are two different agreements I am attaching : The repayment is not going to cut it. If I am just going back to work, how can I afford to this like this? They will take my home for sure. The initial agreement allows me to pay what I can up until XXXX. This is more doable. The second agreement increases my mortgage payment over nine months.
Consumer complaint received 2022-05-26
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: DISCOVER BANK (NV)

XX/XX/21 - XX/XX/21 there was fraud charges on my Discover credit card. Large transactions from various XXXX XXXX and XXXX were made as well as smaller restaurant charges. Totaling to {$6900.00} now with added interest it is {$8900.00}. 

My Discover and XXXX credit cards were stolen but I only found out after 2-3 weeks after the fraud charges were made. 

I let Discover know right away as I caught the fraud. They issued me a new card and reassured me that I wont be charged for those transactions if they are not made by me. They did let me know they will also do an investigation regarding the dispute and that I need to file a police report as well. Which I did make. Police report is attached.

After about 2-3 months Discover added that fraud charges back into my account. They said that the reason they found it to be not fraud was because the transactions were made around my home city, I shop at XXXX XXXX frequently and the person using my card made a return/exchange. 
I spoke to the container representative that their reasoning does not make it not fraud! I let them know I did not make those purchases and I will not be paying. 

I reached out to the police department regarding my case and they told me they closed the case because from their understanding Discover had already taken the fraud charges off my account. I had to explain to them that now Discover is saying from their investigation it is not fraud and the the XXXX didnt understand why when a suspect hasnt been identified. 

I dont understand how and why they approved all these large transactions. It does not match my spending patterns at all. Discover should have declined the transactions. My XXXX XXXX credit card was declined right away when the criminal who stole my card tried to use it.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TX)

Jpmcb card XXXX XXXX XXXX XXXX, DE XXXX XXXX I applied on XX/XX/2022 to the Southwest Rapid Rewards Plus Credit card ( info above ) to used to book flights. It was the first time applying for their credit card and I was denied without a reason for denial and the hard inquiry was placed on my XXXX credit bureau. I have a credit score over 740 and I don't don't have high credit utilization