davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
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. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-03-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: SYNCHRONY FINANCIAL (MD)

XXXX kept making double charges on my account as a miscellaneous adjustment. Then I made a large sum of payment to pay off my balance completely to the charges I made, then the double charges they made was left. I never paid interest because I made my payments in full and on time. Then they told me I had {$830.00} more dollars to pay that they created by double charging my account. On XX/XX/21 they charged my account {$1400.00} as a miscellaneous adjustment. I want XXXX to reimburse me the amount they adjusted because I overpaid and they owe me money. They closed my old account and opened I new account without my permission. My husband and I pay all our credit card in full each month to avoid interest. If for some reason we miss a payment we call right a way and pay. They usually give back our late fees because we are excellent at paying on time. Now my credit is messed up because of pay pal. Please help me. They are very unresponsive and sometimes they hang up the phone when you call them.
Consumer complaint received 2020-01-23
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 — Their investigation did not fix an error on your report
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank has been told that this XXXXthe Regions bank on XXXX XXXX in XXXX XXXX Fl the money was given to a teller named XXXX. This debt was paid in full this is the last change to remove this from my credit reports before I sue the reporting companies and Regions Bank
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (FL)

Credit report shows that I've made all of my payments for the card on-time for years and even though my financial situation is improving, they've REDUCED my credit limit, thus impacting my credit score. I've paid down my balance to what was originally less than half, and now the new limit puts me at over 90 % utilization. This is constitutes dishonest practices that affect credit decisions by other institutions. I was not notified of this action via the credit institution ; I only was made aware of this by my bank credit monitoring service.
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Greetings, this is the second time that I had to write to the cfpb in regards to this matter that I am facing with capital one. During the hurricane capital one put me on a program to help individuals with difficulty not to have late fees on their account, and they sent me a letter putting all three accounts on the program and I accept and again there is no where in the letter that mentioned if you are late that they will report it to the bureaus and if they had clarified that I would of asked for help to pay on time but since they say that I will not have any issues so I accept to be in the program. 
I called capital one this week XXXX XXXX and spoke with a young lady that I explained to her that I am doing a va loan and it is imperative that I dont have any late payments shown in my report even though that I paid both accounts full and after those two months of XX/XX/XXXX and XX/XX/XXXX my account never late or before XX/XX/XXXX never late, so please see what you can do for me please mam to remove those two closed accounts from my file. She responded that she will call me back within an hour to investigate the account completely. Now, she did call me back and states that sir, I do show that you were on a program for the hurricane that happened in Florida in XXXX and that we can not remove the late remarks or remove the account because they have to report it so I answer her, mam, then why was I put in a program to get help from capital one during these difficult times. So basically, capital one is reporting to the public that they are helping people and yet that is not true at all, because if you read what I wrote at the beginning of my letter it clearly states that they have a program to help military individuals which I am a 100 percent total and permanent XXXX veteran. I made sure I paid in full both accounts without ever missed a payment and capital one dont have the decency to remove an account that I paid in full from my credit that is already closed. That is sad and ashamed especially when I am trying to put a roof over my families head, put yourself in my shoes president of the bank, workers of capital one, ceo of capital one put yourself in my shoes, especially when you didnt do, anything wrong. I WAS PUT IN A PROGRAM AND I NO MATTER WHAT I WAS ABLE TO REMOVE MYSELF FROM IT AND PAID IT IN FULL WITHOUT ANY LATE PAYMENTS.
Consumer complaint received 2022-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

CitiBank as of late XX/XX/XXXX was charging 21.24 % interest on a Citi/AAdvantage credit card for a customer with a XXXX XXXX score, an annual income of approximately {$140000.00}, and a long-term track record of timley payments. Citibank on XXXX XX/XX/XXXX raised interest rate on the Citi/AAdvantage credit card from 16.74 % to the Penalty Rate of 29.990 % after claiming to have received a payment one day late ( due XXXX XX/XX/XXXX and received on XXXX XXXX ). Citibank has continued to charge well over 20 % interest for over two years, despite no late payments during this time.
Consumer complaint received 2020-11-21
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. (MN)

I sent a dispute letter on XX/XX/XXXX through Certified Mail to Equifax requesting a reinvestigation and the Method of Verification for an account on my credit profile through Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the original creditor, they must remove said information from the consumer credit file. 
I sent copies of XXXX  and XXXX  removing the same account in question due to not being able to verify the accuracy, compliance, and report ability. 
Per the Federal Law, you have exactly 30 days to complete the investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Equifax has been non-compliant and didnt complete the dispute in 30 days. I further remind Equifax, as in XXXX XXXX XXXX  XXXX, XXXX. XXXX ( C.D. XXXX. XXXX, XXXX ), you may be liable for your willful non- compliance. 
The account in question needs to be removed immediately for violations against the Fair Credit Reporting Act and no validation in the 30 day time period.
Consumer complaint received 2022-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

I have been a member of the diamond preferred Citi Mastercard for XXXX years, I have a XXXX XXXX of XXXX and have always been in good standing with Citi Mastercard. On XX/XX/XXXX I discovered that Citi XXXX had increased my XXXX XXXX XXXX which I have had for over XXXX to a XXXX XXXX  XXXX without notifying me by email, text, phone or XXXX mail of XXXX increase in XXXX and why there was an increase. After contacting the customer service number provided numerous times, the only explanation I received was that all Citi credit card customers XXXX was increased, and the XXXX XXXX increase to my XXXX was applied XX/XX/XXXX ( without contacting me and without my knowledge ). Unsatisfied with the answer from their customer service dept. somewhere in XXXX, I called again to the only numbers available to me and my calls were never answered ( almost like they did not want to talk to me because they had no credible answer to my question ). I am unable to talk to a representative in the XXXX. My real question IS THIS LEGAL?? Due to the dishonest practice and terrible customer service I received from Citi Mastercard I paid my {$4300.00} balance and closed my account on XX/XX/XXXX. For a XXXX yr customer of Citi Mastercard always in good standing the treatment I received left me to think how other customers were being treated. I also have XXXX other credit cards with different banks and companies and none of them have increased my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or the ridiculous amount of XXXX XXXX from XXXX month to another and if they were to increase my XXXX I am sure I would get an email, phone call, text or letter in the mail explaining WHEN and WHY their was an increase. Very bad banking practices by Citi Mastercard. 

Thank You, XXXX XXXX ( XXXX last XXXX digits of CC ) XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

This lady came on the XXXX " XXXX XXXX '' to appraise my house ( Please see her business card ), her aim was to submit it to my Mortgage company " Mr. Cooper '' and remove the PMI. 

My house value has increased substantially and I also did an addition to the house which was signed off on XX/XX/2021. 

I have asked Mr. Cooper multiple times to remove the PMI, still the PMI is there on my Mortgage statement. 

Its been 10 days since that appraiser came to my house, and still the PMI is not removed.

When I have more than 20 % stake in my property, why am I being charged a PMI, I don't understand. 

I have made hundreds of calls and emails but to no avail.
Consumer complaint received 2021-04-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

During the XXXX pandemic. I was going through a financial hardship. I requested a relief assistant to defer my monthly payments. It was agreed not charge any interet or late fees. Wells Fargo fails to abide by the rules. After three months, I was able to continue making payments regularly. From XX/XX/XXXX up to XX/XX/XXXX I never missed payments. Wells fargo sent my account to collections agency. They said I can't get access to my loan until I bring account to current status. My bank statements shows payments proof and to wells fargo received on time. However, wellsfargo charges me over {$3800.00} for 6 months missed payments. Their information about my account is wrong. I need my refund back from them. They forward my account to collections and to XXXX XXXX as delinquent.
Consumer complaint received 2022-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, Wells Fargo allowed someone to walk into a branch in a different state than the one I live in, provided them my account number and allowed them to withdrawal {$6600.00} from my account. From what I have collected, no debit card or pin was used ( despite being needed for that amount ), no one questioned why this transaction was being done out of state or why the signatures didnt match. 

To top it off, after 5 days, no one from Wells Fargo has reached out to me to discuss, via phone or email. The funds are part of a down payment required for a house I am trying to purchase and this is impeding my ability to proceed.
Consumer complaint received 2022-04-28
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: EQUIFAX, INC. (FL)

In accordance with the Fair credit reporting Act XXXX Accounts listed as followed 1. XXXX XXXX  XXXX, XX/XX/XXXX 2. XXXX XXXX XXXX, XX/XX/XXXX 3. XXXXXXXX XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX 5. XXXX XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX XXXX, XX/XX/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 inst
ructions.
Consumer complaint received 2022-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I noticed a collection account on my credit report that I did not recognize from " XXXX XXXX XXXX '' for {$200.00}. It didn't even start out as an open account, it went immediately to the collections category. I do not have any utility bills in my name. I looked up the company and they are based in Texas, which is not where I even live. I've lived in California for 8 years now. I tried to dispute the account myself to no avail. When I reached out to the company they sent me " proof '' of the account, which was in a language I don't speak, and used my information to send debt collectors after me. This is downright inexcusable for them to not even check on the information that's given them and not even respond to my attempts to contact them or take them seriously. Then to use my correct information to send debt collectors my way when the only reason they have my information to begin with is because I made police reports and reported my identity as being stolen. I had previously frozen my identity and this still happened.
Consumer complaint received 2022-03-14
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: U.S. BANCORP (CO)

My identity was stolen by my adopted son and he used one of my credit cards to obtain over XXXX in cash through a XXXX XXXX. XXXX XXXX has determined I owe the money even though I have filed a report with the Federal Trade Commission and have filed a report with my local Sheriffs department who have launched a criminal investigation.
Consumer complaint received 2022-03-14
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. (FL)

Around XXXX of 2017 a XXXX XXXX XXXX XXXX  was open in my name. A balance of {$66.00} on the account charged off first payment never received I have contacted XXXX XXXX to no avail I'm asking for help Equifax have yet to remove this account I have went to the police station they do not give police report they sent me to the Federal trade commission website which sent me to this website this is my complaint against an inaccurate fraudulent account of My consumer report I'm asking that it be removed according to section XXXX, I'm asking that you guys show the original paperwork with my signature stating that I open this account with all of the accurate information this is a fraudulent account please remove this account
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2022-06-25
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)

I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXX XXXX that account ending in XXXX would be removed or blocked from my reports yet XXXX and Equifax continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.
Consumer complaint received 2022-03-07
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. (NY)

On XXXX XXXX, I've sent letters to credit agency of inaccurate information on my credit report to be disputed and did not receive investigation results in mail of response within 30 days. I know my rights and they are not following the law.
Consumer complaint received 2022-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (MD)

Sallie Mae is in violation of multiple policies. They continue to call me at work, on our main office number, although I advised them several times NO personal calls allowed. I've requested they remove my work number multiple times and to cease and desist my work number. They continue to call knowing my employer does not allow personal calls. This is against privacy policy, It's harassment as well as a violation. I have co-signed only on one loan with Sallie Mae ( in good standing ) but they keep calling me to collect on 4 different loans ( someone else 's loans ). They keep saying I cosigned for 4 loans which is false and that I owe them over {$1000.00} past due which is NOT true. This is causing me a lot of stress. My one loan, in good standing, is less than {$100.00} a month. They have requested several times for me to pay on 3 additional loans that are not in my name nor did I cosign for them. They need to STOP the violations, STOP the harassment, to START training their employees to follow Privacy Policy and to permanently remove my work number and all numbers ( except my cell ) from their system immediately as requested several times.
Consumer complaint received 2022-03-10
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. (NE)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nebraska XXXX XXXX XXXX XXXX : Submitted a XXXX Complaint with my XXXX credit card account, opened XX/XX/XXXX, limit {XXXX}, ending in XXXX. Account was erroneously submitted as being 30 days late. XXXX  complaint # XXXX states that the bank submitted the following response : " XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX XX/XX/XXXX Submitted via XXXX XXXX XXXX  Website Case Number : XXXX Creditor : XXXXXXXX XXXX On behalf of XXXX XXXX, I am responding to your inquiry we received from the XXXX XXXX XXXX XXXX XXXX  ) on XX/XX/XXXX. I appreciate you bringing this matter to my attention. 

On XX/XX/XXXX, XXXX XXXX  electronically requested all major credit bureaus delete all late payment history regarding your XXXX XXXXXXXX XXXX ( r ) account from your personal credit history. 

From your inquiry, I understand the update has not been reflected on your personal credit file as of yet. I have submitted a new electronic request to update this information and attached a copy of the Universal Data Form, AUD number XXXX illustrating this request. The updates to your personal credit report may take up to 60 days. After this 60-day time frame, please reference AUD number XXXX when contacting the four major credit bureaus. Their contact information is as follows : Equifax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX ) XXXX Thank you for the opportunity to respond to your concerns.

________________________________________ I then submitted 4 disputes with XXXX  regarding this account, each time they responded that the disputed information has been verified as correct, yet it still shows under " derogatory accounts/ accounts with adverse information '' on my credit report with XXXX. It also shows up under " Payment Status '' 30 days late & 30 days past due date.

Equifax : same story, submitted 2 disputes with Equifax, this still has not been removed from Equifax 's derogatory accounts : " Payment status : '' Not more than two payments past due " Date of first delinquency : '' XX/XX/XXXX XXXX was the only Credit Reporting agency to update this correctly.
Consumer complaint received 2022-12-16
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)

XXXX XXXX XXXX # XXXX {$670.00} XXXX XXXX XXXX # XXXX {$790.00} XXXX XXXX XXXX # XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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 2022-08-27
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 am writing to delete the following information in my Credit report. The items I need are listed in my report. I am a victim of identity theft. I ask that the items be deleted to correct my Credit report. 
I reported the theft on my identity to Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible. 

Company Reporting Fraud Information : XXXX Fraud Account Name : XXXX XXXX XXXX XXXX Phone Number : XXXX Account : XXXX Balance : {$110.00} Open : XXXX Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX