davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied with AmeriSave Mortgage Corporation, NMLS ID # XXXX, for a 30 year fix refinance in XX/XX/2020, and very difficult to get in touch with loan originator XXXX XXXX NMLS ID # XXXX, finally after many attempts I s/w with him why on their website said a 2nd disclosure on XX/XX/2020, this would put my loan to approx. $ 2600 monthly an addition {$6000.00}, closing when they were already to receive {$5000.00} for closing cost he reflected in to disregard, it, then I receive my appraisal which was grossly inaccurate, and finally he answered my phone call on XX/XX/2020 which he discuss if the appraisal was purposely under estimate, he email me the reconsideration form and ask for me to get in touch with another appraiser. As well, I inform him of an email that he sent to my spam saying the refinance was closed which he reported to ignore it I attempted to upload both the reconsideration form and the comps that evening and the account was closed. I email him both the form and the comps, which showed the appraiser went way beyond 10 miles and crossed over freeways and used property sold over 2 years ago and in the adjustable market rate the appraiser put 0, when there are plenty of properties literally less than 5 miles from my home that have sold. The appraiser under  estimate my property of {$100000.00}. I have made several more attempts to reach him, and emailed again on XX/XX/2020 asking for proof of what the {$500.00} application fee was used for or to return the funds to my credit card. He answered the phone call and put me on hold for over 36 mins and never returned the phone call.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (MS)

WF CRD SVC WF CRD SVC, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I called Wells Fargo dispute office early week of XX/XX/XXXX and even 30 days ago and they asked for my information. And they said my birthdate is wrong. 
I told them that then it isn't mine. And they won't remove their hard inquiry and old revolving account from my credit report. 

They put " charged-off '' and they won't tell me who the collection agency bought this account. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Collection Agency would call me or send me a letter to let me know what I owe ... or just be on my credit report a long time until I can see it on there. 

You can ask the credit bureaus that I paid off all of my collection agencies. It is sad that Wells Fargo is treating me like this. 

They know that most people don't look at their credit report. 

They said that they will submit it to fraud department. 
I asked them what address is on the application, they said my current address is on there. I told them that I never applied for a card in Mississippi in XXXX. 

They said that they will send me the application and other stuff for validation ... and they never did mail them to me. 

I disputed with XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX and I do not know who they are. They never responded to me, it has been over 30 days. Their trade name XXXX and XXXX XXXX, I have never borrow money from them or applied to them. 

I disputed this on XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and they didn't respond to me at all. I asked them to remove themselves off of my credit report. Since they didn't send me any validation. 

I disputed this on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, ND XXXX and I have not heard from them either. They didn't send me any validation. I don't remember them. 

I attached document of transcript conversation between me and Wells Fargo ... using TTY.
Consumer complaint received 2022-09-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC (AZ)

One of Evergreen Services representatives, XXXX I believe was her name, contacted my daughter by phone call on XX/XX/2022 at XXXXXXXX XXXX XXXXXXXX, and identified the debt collector as Evergreen Services. The phone number used to contact my daughter was XXXX ( XXXX ) XXXX. I understand that these calls are meant to intimidate and harass me. 

I have already revoked Evergreen Services authorization to contact third parties on XX/XX/2022. Yet they continue to harass me and my family.
Consumer complaint received 2021-04-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

We were closing on a house XX/XX/XXXX. XXXX ( My Girlfriend ) received an email from the " title '' company saying we needed to wire the funds over before closing. Shortly after we wired the funds we got a call from our real title company confirming our appointment for today and at that point we confirmed the funds were sent over and they informed us they never asked for the funds. The email we received can be found in the police report along with the other emails from the title agency we received before this fraud email.
Consumer complaint received 2022-09-07
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: JPMORGAN CHASE & CO. (CA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-10
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)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, I noticed that some late payments posted to my credit report : XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX Your company is in clear violation of the law, Under 15 U.S.C. 1681b - permissible purpose of consumer reports, The Clearly States : In general.

Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to finish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. -- Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 U.S.C. 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2020-04-23
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-10-04
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. (ME)

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. 

Account name : XXXX XXXX XXXX Account name : # XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX CONTACT NAME XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 2021-04-06
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: JPMORGAN CHASE & CO. (AZ)

Chase Account # XXXX XXXX XXXX XXXX for {$35000.00} are the sole responsibility of XXXX XXXX XXXX, DOB=XXXX, XXXX ; Driver 's License # XXXX ; ( XXXX ) XXXX ; XXXX ; XXXX XXXX XXXX ; XXXX, SC XXXX. These accounts are the result of identity theft perpetrated by XXXX XXXX XXXX, and were fradulently opened by her.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (AL)

We went to RoomsToGo to purchase furniture. We made a purchase and are awaiting delivery. So far, no problem. Then we received two credit cards from Synchrony bank for RoomsToGo. We did not apply for a Credit Card, make an inquiry about a Credit Card nor show an interest in a Credit Card with Synchrony Bank RoomsToGo.

When we tried t

o call Sychrony, it was like pulling teeth. Finding a number was difficult and it took several calls with long wait times to get a hold of a person. And of course, there is the frustration of being hung up on. The end result was that we were told to just destroy them. I can only hope it works. 

We had a Sam 's Club card that turned out to be from Synchrony and after I cancelled it, they still put a charge on it ( Sam 's Club membership ). And I had to go through the same awful experience to insure the account was closed.

Synchrony Bank is not someone you want to do business with for a variety of reasons which include, among others, a horrible interest rate, horrible customer service and undependable results ( in my experience. )
Consumer complaint received 2023-09-16
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. (IL)

15USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC so 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2022-09-07
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. (AL)

I do not recall signing any release of medical records form for anyone to release my information. Health Insurance Portability and Accountability Act of 1996 protects me from having my information released or sold without Consent.
Consumer complaint received 2021-04-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (OH)

XXXX paid XXXX towards principal XXXX talked to Exeter representative XXXX paid {$550.00} towards principal XXXX paid XXXX monthly payment due the 14th day of each month XXXX Spoke to Exeter representative XXXX XXXX I spoke to numerous Exeter representatives about my account to make sure my payments were applied right, as I could see on my account they were not. 

XXXX paid XXXX monthly payment. 
XXXX Spoke to Exeter representative asking for a valid invoice from XXXX, as I had not received a billing invoice that shows my payments & how they were applied to my loan. 

I am being robbed!
Consumer complaint received 2020-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRES HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2021-04-06
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: CITIBANK, N.A. (WI)

I have worked hard on paying my debt with citi cards cbna, so I said will try to get another credit card with citi and I had called first to confirm with my debt. I tried on XX/XX/XXXX and also on XX/XX/XXXX And I was told both times that since I paid my debts off I should have no problem getting another credit card with citi. But I got denied twice now its on my credit inquiries with XXXX  and XXXX XXXX. I need them to be removed from my credit inquiries from XXXX  and XXXX XXXX!!
Consumer complaint received 2021-04-06
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. (MI)

Equifax is reporting that I have late payments for my XXXX card. I contacted XXXX and the are stating that my account is in good standing and has been with NO reflection of late payments. I have tried over and over and finally have nowhere else to turn for help.
Consumer complaint received 2021-04-06
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. (FL)

XXXX XXXX XXXX has been in violation of the FCRA, FDCPA and the UCC over a course of years. If they do not get their facts corrected I will litigate.
Consumer complaint received 2022-08-12
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. (IL)

i submitted this problem to both companys before and got same response im tired of waiting for them to not do anything and waiting a week or longer they should just delete inquirys right away
Consumer complaint received 2021-04-06
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: I.C. System, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX  XXXX  ) XXXX ... I C SYSTEM ( Original Creditor : 11 XXXX XXXX XXXX XXXX XXXX ... XXXX  XXXX ( Original Creditor : 09 XXXX  APARTMENTS ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-02
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)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX ( Orig.Cred : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX
Consumer complaint received 2021-04-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (MA)

Citi bank savings account was closed without prior communication. No access to account and I was told a check will be mailed in 30-60 days. Several calls where made to the bank but no one gave a reason and no one could expedite the process to receive a check.
Consumer complaint received 2022-08-31
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (KY)

I deposited a government stimulus check into a US Bank atm in the amount of {$2800.00}. US Bank rejected the deposit. The check was in my and my wife 's name. I called US Bank, and they said because my wife wasn't on the bank account that they rejected the deposit. I have never had that issue before with any other bank. US Bank is engaging in unfair and discriminatory banking practices. I want US Bank to honor the check of {$2800.00} as it is from the US Government. I am attaching my wife 's ID card. Please honor the check.
Consumer complaint received 2021-03-30
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: BARCLAYS BANK DELAWARE (FL)

This issue is a problems with my Barclays Jetblue credit card. I made a XXXX XXXX purchase in XXXX. The purchase was cancelled and XXXX XXXX has confirmed a refund to my credit card of {$4200.00} however, the credit does not appear anywhere on my account. 

I have made multiple attempts to dispute the charge and I have been given multiple and conflicting answers as to why the credit does not appear on my account. The first dispute I made. I received a letter that Barclays ' own investigation verified the refund but no one could show me where it appeared on my statement. They pointed to other XXXX XXXX credits but I explained there were two charges that were refunded. One refund is reflected but the other was not. 

I filed a complaint with the XXXX and was contacted by the office of the president once. I spoke with XXXX XXXX and she acknowledged that she could clearly see that I only got refunded for one charge but not the other charge. She stated she would contact the dispute department and would help but since then, I have received multiple letters staring that the dispute was not found in my favor. I called the office of the president 3 times to speak with XXXX XXXX, the person I spoke to, and she has never returned my call.