davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-19
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. (NY)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (DE)

Dear LexisNexis, I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX, XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,
Consumer complaint received 2020-05-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WI)

I have an excellent banking record. Until the corona, I had an A+ credit rating. 
I opened a checking account at Wells Fargo. 
First issue was being unable to get my direct deposit set up. I called and left a message that I needed help. My call was never returned. 
Then, I made out 2 checks for bills, left them for the mail carrier and drove to the bank to deposit my stimulus check. No dice. The branch closes early, even on Fridays. Tried to do a deposit from my phone. No dice. {$1000.00} limit on those. 
The first check came in and was returned. I paid my {$35.00} each to Wells Fargo and the check recipient. I messed up. It was fair. When the second check came in, I got an email from WF saying I had a - {$90.00} and I tried to go down and pay it, they told me there was no overdraft, but they refused to close my account. Now they are tallying up daily charges of {$35.00} and I tried to go there to fix it, only to find out, they also open late. 
I'm at {$70.00} already. Both parties these checks were written to have been paid in full. Nobody is resubmitting either check. 
I simply don't believe that the characters who came up with the concept of constantly accruing interest, can't seem to figure out, in real time, whether folks owe them money. 
I feel I, like many others, are being exploited. Enough is enough.
Consumer complaint received 2020-05-19
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: LEXISNEXIS (KY)

my HOMEOWNERS INS. JUMPED {$390.00} BASED UPON THEIR ADVERSE RISK REPORT TO INS. COMPANY. INITIATED A REQUEST FOR DISCLOSURE OF MY REPORT, ( A HARD COPY ) INSTEAD THEY SENT ME A LETTER WITH INSTRUCTIONS TO ELECTRONICALLY ACCESS REPORT, SAYS THAT I'LL BE ASKED TO ENTER A PIN #, WELL XXXX, NO WHERE IS IT ASKING ME TO ENTER PIN #. 
SO HERE IT IS SINCE XXXX XXXX AND NO INFORMATION!!
Consumer complaint received 2019-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (NJ)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX- XXXX . My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (MS)

On XX/XX/2023 I disputed unauthorized transactions that were made on my account I sent in documentation that was needed. And while I was awaiting my dispute status they permanently closed my account with my funds and would not release them. They wanted to put me on a 180 day hold before I was able to get an answer if I was able to get my funds out of my account and they then closed the case
Consumer complaint received 2020-05-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CO)

AFNI is sending me letters about some money that I suppose to own, they say a happen last year I never get and a car accident, this is not in my credit and is not my name, is spelled wrong and isn't complete so this looks like a scam! 
And the say they going to report the DNV and I will lose my license.
Consumer complaint received 2020-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

Hello, I sent the following e-mail to XXXXLoan Care customer service : <Hello, my auto draft payment was drafted on XX/XX/XXXX ( so, the posting date is XX/XX/XXXX ). It was drafted late due to my loan being transferred from XXXX to LoanCare. 

My first question : is the effective ( keyword effective ) date of the payment XX/XX/XXXX? I'm concerned about additional interest accrual. I shouldn't be held responsible to an additional 11 days of interest ( between XX/XX/XXXX and XX/XX/XXXX ) due to the delay in my payment being drafted. 

My second question : I signed up for paperless communication. Does my cosigner ( XXXX ) need to register online and sign up for paperless communication as well to avoid paper statements? Or will she automatically not receive a statement since a ) she has not registered her online account and b ) at least one borrower is receiving the statement, and both live at the same address? 

I called in to customer service, but the phone agent didn't sound too sure on her answers. 

Thanks! 

Oh, P.S. - It takes forever to navigate through your IVR and get to the option to talk to a live agent. I'm sure you're trying to mitigate servicing costs by implementing a self-servicing IVR, but man it's confusing. Also, once I got to the live agent option, I was on hold for 45 minutes before an agent picked up. That's a crazy wait time. I suggest more staffing. 

P.P.S. - the security questions for the myloancare online account are terrible. There's definitely room to improve those so they can apply to everyone. I.e. a normal question would be, " What is the full name of the street address that you lived at in the 3rd grade? '' ( or something like that ). Not " What was the name of the street address of your best friend growing up '' - some people ( not me ) don't have friends. Just saying.> The response I received from customer service didn't answer any of my questions, and simply advised me to call back in. I've attached the e-mail. 

The e-mail response is also very confusing. It advises to not reply to the e-mail, but then later states to reply to the e-mail if it does not answer your question. 

Please get it together and give me the answers I'm looking for.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Statebridge Company (NJ)

Dear Statebridge, Attached please find Response letter from XXXX XXXX XXXX XXXX , XXXX, D/B/A XXXX XXXX not in its Individual Capacity but Solely As Trustee for the XXXX XXXX XXXX XXXX 

We have been advised that Statebridge Company transferred servicing of account # XXXX to XXXX XXXX XXXX who sent the attached IRS Form 1099A. 

It appears that per the attached XXXX Loan  Schedule that there is no account # XXXX on the schedule for property : XXXX XXXX XXXX XXXX, FL XXXX We are requesting your assistance with obtaining a corrected IRS Form 1099 that would accurately reflect the account #, lender and amount. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX
Consumer complaint received 2020-05-19
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. (FL)

XXXX XXXX PLAYS ( with inaccurate info ) EQUIFAX & XXXX CRAs CONFIRMING FALSE CREDIT REPORTING INFORMATION PRETENDING BEING UNAWARE OF FRAUD. See attatched XXXX XXXX ( *card end XXXX not mine ) Letter of XX/XX/XXXX from CREDIT BUREAU DISPUTES DEPARTMENT UPON XXXX XXXX CONFIRMATION NO DISCREPANCY REPORTED IN YOUR TRADELINE. I AM MEDICALLY XXXX UNABLE TO COME TO BRANCH & XXXX DOES NOT PROVIDE ACCESS ON LINE FOR MY HAND XXXX. I AM UNABLE TO COMPLY ON ID THEFT KIT DUE TO A SEVERE XXXX KNOWN TO XXXX. see attatched XXXX XXXX  Letter XX/XX/XXXX XXXX Confirms Decision to DENY MY FRAUD CLAIMS *CARD END XXXX. XXXX PRETENDS THIS WAS NEVER REPORTED IN LETTER XX/XX/XXXX. See attatched XX/XX/XXXX CRIMINAL INVESTIGATION LETTER UNITED STATES POSTAL SERVICE CENTER case XXXX DELIVERIES NOT MADE BY XXXX PROVIDED TO REGIONS. see attatched Identity Theft Report FTC case XXXX. XXXX Bank PROVIDED NO XXXX ACCESS. ( XXXX Complaint XXXX ) see attatched XXXX Letter of XX/XX/XXXX some dates XXXX month XXXX month ** NONE OF THESE TRANSACTION DATES ARE EVEN PAST 60 DAYS FROM * DATE OF LETTER. FRAUDS REPORTED TIMELY. XXXX PROVIDED NO ACCESS AND DENIED CLAIM. see attatched CFPB RESPONSE XXXX XXXX I SUBMITTED XX/XX/XXXX. XXXX CLAIMS ALL CFPBs are duplicates as they will do with this complaint. I AM REQUESTING EQUIFAX & XXXX  VERIFY ALL ITEMS CHARGED WITH ORIGINAL SIGNATURE PURCHASES MADE FROM MY IP ADDRESS & ORIGINAL WRITTEN DOCUMENTATION ACCEPTANCE OF DELIVERY ** INTO MY HANDS Kindly Note ** CRIMINAL INVESTIGATION OF NON DELIVERY.
Consumer complaint received 2019-11-19
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: CITIBANK, N.A. (FL)

In late XXXX, 2018 I received a call from Citibank fraud department alerting me to possible breach. I identified fraudulent charges and was told they would be removed. When I received my bill for the period, there were a total of {$1900.00} in charges there were fraudulent. I called to get these charges removed, and was told they would be. To date there remains some {$450.00} of fraudulent charges, for which I am now expected to pay interest and penalties. My last statement shows a balance due of {$670.00}. I have made numerous phone calls and written a letter to Citibank to get this resolved. All I have gotten from them is run-arounds. The bigger problem now, however, is that while arranging financing recently for a new car I was told my credit score was too low, since " due to a reported debt by a credit card company '' my credit score had dropped from XXXX to XXXX. Unless this issue is resolved, I will be impacted every time I attempt to get credit.
Consumer complaint received 2020-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (IL)

I received an email at XXXX CT on XX/XX/XXXX that Citi decided to close one of my accounts, which did not give any additional information. After messaging the bank 's customer service on their app, I was told it was closed due to inactivity and that I had to call in. After navigating through a labyrinth of automated menu options, I was finally able to connect with a customer service representative who was very kind and understanding. Unfortunately the representative said that there was no automatic way to reinstate the account and that the bank had to submit a hard inquiry of my credit report and get a specialist to review the request, and that I would have to wait at least 7 business days to get a letter in the mail regarding the bank 's decision. There was no guarantee that I'd be approved - even though I've had the card for almost 7 years - but if I was the same tenure of the card would continue. I had to go through multiple channels to get help and did not get any assurance that I would get to keep a card that's integral on my credit report. I've never carried a balance or paid late, and have been a trustworthy customer for the bank, so this action makes no sense to me.
Consumer complaint received 2019-08-16
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. (TX)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. XXXX has removed this from my credit report however, Equifax and XXXX have not. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2019-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (PA)

I Spoke with pnc chat on tuesday XX/XX/XXXX And was told my checking Account could not be closed because of a Outstanding balance i was told to contact the collections department. and i spoke to XXXX  from the collections department And she had stated that What was said in the chat is incorrect that the account Can not be closed because of Ongoing disputes on the account and the Overdraft im on ssi XXXX and already switched banks and do not have the money to cover this i would like the account to be closed.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FULTON FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, my kid got my cell phone accidentally sent a wrong payment information, and I don't know. 
On XX/XX/XXXX, I received the letter from The XXXX Bank just know, because there isn't enough money in check, will be deduct {$39.00}. Then I open the account, check into my check acount, the {$78.00} money is buckled,. 
On XX/XX/XXXX, I go to the The XXXX Bank XXXX XXXX XXXX bank branch, explained what had happened with them. 
They were very unfriendly to me and told me that {$78.00} was overdraft fee, but they didn't pay my bill, they just refused the payment request, why they had to deduct the money in the customer 's check without informing to the customer, they didn't do anything, they even didn't inform me, then my money was gone!! Can you think of the day when your bank account is deducted without notice? 
They told me there was a notice when I signed the contract, I had the signature, I asked them to bring out my signature paper, they didn't have any, and then found some paper for me, in a pile of very small words can not see! I asked them do you explain the terms of the contract to the client? They say they can watch it!! They deducted the money from my bank without any notice in 8 days!! This is very unfair to us, we can not make a decision with our own money, wake up as someone else 's!!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-02-16
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. (NJ)

I am dealing with a data hack from XX/XX/2018. In that process there were fraudulent charges made through my XXXX account via my Chase credit Card. This was initially resolved however XXXX and Chase has re-charged me multiple times on the previous fraudulent transactions, twice for {$97.00}, one for {$50.00}, one for {$9.00}, one for {$9.00}. Screenshots attached. Both XXXX and Chase Bank has been resistant to reviewing and resolving this over the last few weeks. Need this addressed. 

see previous XXXX complaints : XXXX - Original hack from XX/XX/2018 XXXX - New complaint with XXXX directly
Consumer complaint received 2019-08-16
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Swe Homes LP (TX)

I am extremely concerned about the method in which SWE Homes, LP is handling my request for permission to be late on my XX/XX/2019 payment and my XX/XX/2019 payment. 

I have made partial payments totaling to my XX/XX/2019 payment plus the late fees and fines which equaled {$450.00} according to SWE Homes, LP. My total payments which were paid within the month of XX/XX/2019 = {$470.00}. I requested time to pay the XX/XX/2019 payment, and even had funds remaining to go toward my XXXX bill. 

SWE Homes, LP sent ( 3 ) payments back with a letter threatening payment in full of the XXXX and XXXX bill or a foreclosure. SWE Homes, LP never replied to my communication as to why or what. They just sent letters saying pay this, as if they have not recieved payments from me. 

I mailed to them a letter as to how I made these payments and even instructed them to use funds from monthly over-payments made to SWE Homes, LP from my account to go to my late payments. But everyday, they send back the installment/ partial payments that I made. Not telling me anything was wrong or what, they just send the foreclosure notices and money order payments back. 

I think something fishy is going on.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (VA)

This company keeps calling me saying that they have not received my last two payments. I have talked to them many times and have emailed them copies of the cancelled checks with their stamp and bank account # on the back. I have never been late with a payment but this company takes forever to process a payment. It is the only company in the world that doesn't take on line bill payments. You can pay online with a check but it is through third party companies. I would be shocked if this wasn't a XXXX   XXXX  for XXXX  XXXX, except that they don't seem smart enough. 
See attached checks.