davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-14
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: WELLS FARGO & COMPANY (TX)

I disputed this alleged account and requested through the credit reporting agencies that the accuracy of this account be verified and that documents on file be mailed to me to show detailed billing and contractual obligation to pay the alleged debt. The following letters were sent to XXXX, XXXX and XXXX which did not deny liability, but requested 100 % accuracy in reporting and verification of the alleged debt and documents used to verify the debt to be sent to my address for review : Letter 1 sent on XX/XX/21 Letter 2 sent on XX/XX/21 Letter 3 sent on XX/XX/21 Letter 4 sent on XX/XX/21 As of the date of this complaint, I have not received documents to satisfy my request. Please note that I never denied the ownership of the account, I requested the account be reported 100 % accurate. I do not recall spending XXXX. I believe I have a right to review the charges on the account before agreeing to pay the amount you allege, I owe. 
Since I never received billing statements, I am requesting all statements to show how the alleged balance was calculated. Please send them to my address above. I want to see all charges on the account to arrive at the sum of XXXX. 
Send me all statements from when the account was opened along with any applications and contracts completed to open the account bearing my signature and opening dates, where the account was opened ( if opened at a branch, provide the location ), and any other information that was supplied to open and use this account. Since you are reporting the account as charged-off, send me a notarized statement that the debt was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable.
Consumer complaint received 2021-11-18
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. (AZ)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-13
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/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (PA)

I had a deferment on my mortgage due to covid relief at the end of deferment I signed a loan modification agreement and paid my mortgage on time and as agreed. They reported my loan late and that dropped my credit score by 60 point and now other credit accounts are being closed due to their mistake that will further damage my credit.
Consumer complaint received 2022-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc. (FL)

I found a debt collection amount {$720.00} on credit report which was XXXX XXXX XXXX in XX/XX/2017 by collection company AR RESOURCES INC. I didnt go to XXXX  during that time, I called them and disputed on line they were not removed it, because it is not my bill, there was somebody who stolen my personal information. ( original creditor was XXXX XXXX XXXX  )
Consumer complaint received 2022-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (FL)

this complaint is against flagstar they are breaking facra fair and accurate credit reporting act reported last activity after my car was charged off, i had called loan and told them to come and get car and they waited three weeks to come and take car also on credit report it showing active and showing that last activity was XX/XX/XXXX but they actually took car in XXXX but they finally got car in XXXX, ,i paid all payments on time and voluntary let car go back do to hardship. i was told that case was closed but they still have it open and dates are all wrong they need to correct the dates cause im trying to buy a house now and the date XXXX needs to be changed to correct date... they sold car XX/XX/XXXX after they came and got it in XXXX
Consumer complaint received 2021-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

Since XX/XX/2021, Chase has charged me nearly {$400.00} in overdraft fees and despite asking to reverse some, I've been told they can not offer any " courtesy '' refunds at this time. Below, I have listed the dates and amounts of the fees : XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} x 2 = {$68.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 {$34.00} XX/XX/2021 XXXX x2 = {$68.00} XX/XX/2021 {$34.00} TOTAL {$34.00} x 11 = {$370.00}!!!! 

Chase is my primary banking relationship, where I have my paycheck deposited and pay my bills. However, it is becoming increasingly difficult to maintain as the fees are very high, often more than the cost of the paid item. And they are very frequent, being assessed multiple times per week and even per day. It makes it hard to get by when deposits go straight to covering outrageous fees. 

I understand the Bank needs to make a profit, but this is ridiculous. I would suggest regulation limiting the amount and frequency of these fees as they absolutely pray on lower income depositors.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (IL)

mrcooper i found this mistake today XXXX got me kisted XXXX XXXX XXXX XXXX XXXX on their site and XXXX  got me listed XXXX XXXX XXXX XXXX XXXX which sounds more correct to me
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (WI)

I requested my free annual credit report & the other two bureaus provided my report online without any problem, Equifax gave me the usual message " we are unable to provide your report online, please fill out the form & mail in the request. '' I have been getting this same message from Equifax every year. They are able to provide the report which is guaranteed by law but they do not want to. I never have a problem with the other two credit bureaus. 

I have asked Equifax to explain why they are unable to provide my report online but they wont provide an answer. I do not want to write my SS # on a form & mail it in, then have my report with my SS # on it mailed back to me. A SS # should not be mailed - and a credit bureau should know this! 

Thanks for taking my complaint.
Consumer complaint received 2019-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OR)

Today, XX/XX/19, I ordered some items on XXXX for a friend that totalled {$550.00}. Before I placed the order, I checked my XXXX Chase credit card limit, and I only had {$180.00} left, so I wasn't going to order until I could deposit some money and pay down my bill, but on the checkout page, there was an option to break the total amount into 18 equal payment of $ XXXX per month. So I checked the box and placed the order, expecting to see a charge of the first month 's amount. Instead, I was billed the full amount on my XXXX Chase credit card, which removed the last of my remaining credit, and caused me to exceed my credit limit. No doubt, I would have had penalties, but as soon as I saw the charge notification, I called Chase, who tranferred me to XXXX, and I cancelled the order. Chase then assured me that everything was corrected, and was back to the way it was previosly. ( We'll see ) When talking to the Chase person, she said that while they offered 18 months split up into equal, interest free payments, it actually was implemented as 18 months of an interest free loan - which is not the same thing at all. In fact, the person I was talking to at Chase said that she very recently took advantage of the same offer, only to find out that she too was billed for the full amount, to her surprise. 
Being able to pay in 18 installments is not the same as being charged the full amount interest free for 18 months. And how would that work? How would they separate this charge, at zero percent interest rate, from other charges? No doubt, they would find a way to profit from the 'no interest ' loan. 
They could have easily called it an 18 month interest free loan, but chose to make a misleading statement.
Consumer complaint received 2019-12-14
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. (NY)

I am submitting this complaint about XXXX  credit reporting agency and XXXX XXXX. There are 4 hard inquiries listed on my XXXX credit report. There should only be 1 hard inquiry not 4. I dont no why they did this as I did not apply 4 times in 1 day also I already have an account with XXXX XXXX. The 1 hard inquiry was for a credit line increase. They ran it 4 times according to my credit report which in return is affecting my credit score. I tried to clear this with XXXX  and was told I need to speak to XXXX XXXX. XXXX XXXX  told me I need to clear it with XXXX. This is a circle and Im getting nowhere.
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2019, my checking account ending in XXXX was overdrawn by {$500.00} including 4 overdraft fees of {$35.00} each for the debit transactions of {$150.00}, {$21.00}, {$89.00}, and {$100.00} from XXXX. Because of these fees, I was not able to make deposits to cover the debit balance in full for the next two months resulting in closure of my account because I live paycheck to paycheck. I had to suffer a lot mentally due to this action on the part of the Wells Fargo Bank, because not only was I not able to get my paycheck on time from the employer, but also I had to pay extra fees to other third-party merchants for check-cashing services. I would, therefore, ask the Bank to refund my overdraft fees at the very minimum to compensate for my hard earned lost money.
Consumer complaint received 2019-03-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

My mortgage servicer Mr. Cooper sent me this letter stating they were declining my request for mortgage assistance because of excessive obligations. I resent the request for mortgage modification with a letter of explanation for bills on my credit that other family members pay. The other reason they declined the modification request was I didn't accept a modification offer. I have not received a modification offer from my mortgage servicer. I want to pay my mortgage mease y mortgage loan is a FHA loan. and I don't want to lose my home.
Consumer complaint received 2019-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NY)

To Whom It May Concern, I'm writing because since Navient took over my student loan, I've been having a problem receiving my monthly statement. When they took over my loan, they wanted me to convert to an online payment system, but I said I wasn't interested. What started happening soon after was that they would occasionally not send me a statement. This happened several times and I would wind up paying the amount owed, plus a late fee. When I would call, no one was able to explain why I wasnt being sent a monthly statement. 

In XXXX of this year, Navient, without warning, stopped sending me a statement altogether. Months went by, and still no statement. During that time, I made several calls and whenever I asked why I wasnt receiving a monthly statement, no answer was given. During that same time, I also received several emails from Navient in which they were requesting payment. I tried to respond to their emails, but I was unable. Every time I would respond, my email would be returned unread. Because the service at their customer call center is substandard ( the last time I called I was left on hold for fifteen minutes and I hung up ) I tried to find a valid email address for Navient on their website so that I could explain my situation in writing, but I was unable to find a valid email address. Its possible I just didnt see it, but I dont think so. With any major company, you can go on their website and find their customer service email address in seconds, but not Navient. Why thats frustrating is because at this point, I have no way to verify that I have been contacting them in an attempt to rectify this matter. 

After reading about all the lawsuits that have been filed against Navient for taking advantage of their borrowers, the late fees they've manufactured against me seem a lot less shocking. At least I can take comfort in knowing it's nothing personal. On my last phone call with Navient, I said I would pay them everything I owe in full that day minus the fees which were accrued through no fault of my own. Navient did not accept that offer. A few weeks ago, I received a letter from Navient where they claimed that I opted to receive my monthly statement via email. I assure you that that is not true. At no point did I ever opt for a different payment method. 

I would appreciated it if you could look into this matter and possibly help me reach some sort of agreement. Im pretty much at my wits end with this company. Any help you would be able to provide would be greatly appreciated. 

Thank you
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I hope this message finds you well. I am writing to express my deep concern and frustration regarding the multiple attempts I have made to remove fraudulent items from my account. Despite my repeated efforts, it appears that the issue persists, and I have not seen any resolution. 

I have encountered unauthorized transactions and fraudulent activities on my account multiple times, and I have diligently followed your provided procedures for reporting such incidents. However, the lack of effective action on your part has left me dissatisfied and concerned about the security of my account. 

Despite my cooperation and adherence to your reporting protocols, the fraudulent items have not been adequately addressed, and my account security remains compromised. This situation is not only inconvenient but also raises serious concerns about the integrity of your security measures. 

I request an immediate and thorough investigation into these matters to identify the root cause of the repeated security breaches. Additionally, I expect prompt action to remove all fraudulent items from my account and to reinforce security measures to prevent such occurrences in the future. 

If necessary, I am prepared to provide any additional information or documentation to support your investigation. I trust that you will treat this matter with the urgency and seriousness it deserves, and I look forward to a swift resolution. 

Failure to address this issue promptly may compel  me to escalate my concerns to relevant consumer protection authorities and consider legal action to safeguard my rights as a customer. I am asking for your assistance to remove these fraud items in my credit file : 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 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
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account and update them immediately in my report : XXXX  - XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I trust this letter finds you in good health. I am writing to express my deep concern and frustration regarding the persistent presence of fraudulent items on my credit report, despite my numerous attempts to rectify this situation. The lack of resolution has significantly impacted my financial well-being and caused undue stress. 

l were initially reported to your agency and since then, I have diligently followed your prescribed procedures for disputing fraudulent activity, providing all necessary documentation such as police reports, affidavits, and supporting evidence to substantiate the fraudulent nature of these entries. 

Despite my multiple attempts to address and correct this issue, each accompanied by cooperation on my part and adherence to your agency 's requirements, the fraudulent items persist on my credit report. I have made submissions and engaged in communications with your agency yet the issue remains unresolved, causing ongoing harm to my creditworthiness. 

I am formally requesting the following actions be taken urgently : A thorough and comprehensive review of the fraudulent items on my credit report to verify their accuracy. 
The immediate removal of these fraudulent items from my credit report. 
A written confirmation of the resolution, specifying the date when the fraudulent items were removed. 
A detailed explanation for the repeated failures to address this matter in previous attempts. 
An apology for the persistent distress and financial hardship caused by the ongoing presence of fraudulent items on my credit report. 
I understand that errors can occur, but the continued inclusion of these fraudulent items on my credit report, despite my multiple attempts to rectify the situation, is both distressing and damaging to my financial standing. 

Failure to address this matter within the exact time frame from the date of this letter may leave me with no alternative but to escalate this issue further, potentially seeking legal remedies or involving relevant regulatory authorities. 

I sincerely hope it does not come to that, and I trust that your agency will take immediate and decisive action to rectify this issue. I am asking for your assistance to remove these fraud items in my credit file : 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
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

There is a fraudulent collection on my credit report that does not belong to me for a medical bill I have no idea where it came from or who it is for. The account is involved in litigation where the account # is XXXX that is located on my XXXX  equifax and XXXX  report. The data gets removed and comes back every 30 days and I don't understand why this account that has nothing to do with me and does not belong to me keeps on reappearing on my account where I am going to sue all 3 bureaus where I am looking for a rental property and this is severely hurting my credit and getting me really upset. The next step for me is contacting my lawyer and suing filing an arbitration.
Consumer complaint received 2019-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I do not have a specific date of the call. The customer rep was not able to update address over the phone. They told me to update the address with financial institutions and wait. At this point, XXXX and XXXX reports are both updated with the new address. Only Equifax still has failed to update my address after two and a half months later.