davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-02
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. (FL)

Attached report I have Several Fraudulent accounts opened in my name, alone with several inquires that I didnt authorize.. I disputed with the consumer reporting agency.with no results.. Also XXXX the middle of figuring out how to add temporary freezes to my report.. Ive file an identity thief report..The accounts are listed below XXXX XXXXXXXX XXXX XXXX LATE PAYMENT Balance {$420.00} Updated on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX LATE PAYMENT Balance XXXX Updated on XX/XX/XXXX XXXX Link card name|What 's this? 
LATE PAYMENT Balance {$380.00} Updated on XX/XX/XXXX XXXX XXXXXXXX Link card name LATE PAYMENT Balance {$320.00} Updated on XX/XX/XXXXXXXX XXXX XXXX  BANK Link card name LATE PAYMENT Balance {$600.00} Updated on XX/XX/XXXX XXXX XXXX XXXX  Link card name LATE PAYMENT Balance {$16.00} Updated on XX/XX/XXXXXXXX XXXX Link card name LATE PAYMENT Balance {$0.00} Updated on XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX BANK ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I have a HELOC with Wells Fargo and a couple of Months ago I made the final payment to repay all that was borrowed in full. Then the following month they send me another statement for approx {$20.00} in charges, and now today another statement came for XXXX??? I am tired of playing games with Wells Fargo and calling them and trying to rectify this is impossible because they just put you on hold and never come back or transfer you to a line that hangs up
Consumer complaint received 2022-09-02
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: SYNCHRONY FINANCIAL (UT)

In accordance with the fair credit reporting act XXXX XXXX and SYNCB/Amazon 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 consumper plan as late for any purpose.
Consumer complaint received 2022-09-02
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. (CA)

In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX Bank XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX of XXXX XXXX account XXXX account XXXX Equifax account XXXX XXXX XXXX  XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX FNB XX/XX/XXXX
Consumer complaint received 2022-09-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

There were two payments that were made through XXXX in my banking account ( {$350.00} and {$150.00} ) for a product on XXXX XXXXXX/XX/XXXX, which ended being a scam in the end. I have tried talking to the Chase bank about this but I was told that there was nothing that they could do to help me or assist in getting my money back.
Consumer complaint received 2022-09-02
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. (MO)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 placed a hard inquiry on my credit report. I have never applied for credit with this company. I contacted the company back in XXXX of XXXX and was told they would look into the inquiry. As of today no one has contacted me.
Consumer complaint received 2022-09-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (CT)

I've tried everything. I borrowed $ XXXX in student loans between XXXX. My loan was sold and they tripled what I owed. I've been told by so many that it isn't their problem. Wrong! It is. Because government has not regulated those that buy these loans, you let them charge astronomical interest rates, they can change your loan amount. I now owe over $ XXXX, granted some is in interest but when payments exceed what you can afford and no one wanted to lift a finger to fix all this- you can collect it from no one when I die. Because I'm it. There will be no one.. So why don't we try actually fixing the problem with mine and others- because you can't tell me you didn't know there was a problem. XXXX, just got sold again to Mohela. Think they'll fix any issues? XXXX no- not their problem. Not the state 's problem where you got the loan, not the federal government 's banking problem, not the Department of Education 's problem. So honestly, who's frickin ' problem is it? When you show seriousness I will provide you with my student loan paperwork. Not going to waste my time if you're just going to waste mine. 

My loans were not up for sale to the highest bidder yet State and Federal Government allowed my student loans to be sold to the highest bidder. I trust the government like a hole in the head, because you have all just passed the buck. Fix it!
Consumer complaint received 2022-09-02
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: Cogent Road, Inc. (NC)

XXXX XXXXFTC REPORT cover XXXX XXXX XXXX XXXX services XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX- XXXX XXXX personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX is known for predatory lending. It has been 7 years since I've had an account with them ( XX/XX/XXXX ), the account is required by law to be removed. XXXX XXXX XXXX is still marking the " Closed '' auto loan as delinquent and has marked up the interest on the account XXXX % of what the auto loan was originally for to this date ( XX/XX/XXXX ). I have been removed from any liability with this auto loan by a Arizona XXXX XXXX XXXX and will never make a payment on it. Last I checked, it is illegal to keep an item on a credit report forever. As of today it will be going on 7 years with each month a derogatory mark on my credit report. I am ready to go to court and settle this once and for all. 

I have disputed with XXXX XXXX, and all 3 credit bureaus with a response of " Account marked as accurate. '' With whom did they verify with? The creditor who has lost several lawsuits in the 10s of millions for their credit reporting and predatory lending? That's invalid and doesn't hold water. After this complaint, I suggest that this be reported to the Arizona XXXX XXXX XXXX XXXXXXXX to hold XXXX XXXX XXXX criminally liable for " Contempt of Court '', which is failing to adhere to the ruling of a sitting Judge.
Consumer complaint received 2022-09-02
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: CBC Companies, Inc. (NC)

I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (NJ)

US BANK Issue Account not closed and available balance not mailed to me On XX/XX/2022 spoke to a supervisor XXXX. I instructed XXXX to close my account and send the available balance to my address. On XX/XX/XXXX, I called the bank and discovered the account was not closed and the available balance was not sent. The customer service person I spoke to informed me that the account was not closed and there was no check mailed to me.
Consumer complaint received 2018-11-08
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. (CA)

XXXX 's account number XXXX High Balance is reflecting XXXX dollars however the balance due is reflecting reflecting {$1000.00}. The highest balance being lower than the balance due doesn't make sense. This is a violation of the FDCPA delete immediately I disputed with XXXX, XXXX XXXX, Equifax and XXXX XXXX XXXX on XX/XX/2018 and they stated that it was verified, which it was not and these accounts are continuing to report, which is a violation of the FDCPA and needs to be removed.
Consumer complaint received 2022-09-02
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. (TN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is governed by 15 USC 1681 and they violated my rights numerous times. I demand that the accounts listed below be permanently removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Collection Agency XXXX XXXX  Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$150.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX  XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX  XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification MEDICAL_OR_HEALTH_CARE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments MEDICAL Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Account Number XXXX XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX Months Reviewed 35 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$360.00} XXXX XXXX XXXX XXXX {$360.00} Available Credit Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX COLLECTION ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2018-10-17
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 (WA)

Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment is incorrect and needs to be updated on all 3 reports consistently. Have filed disputes with credit bureaus but still shows wrong information.
Consumer complaint received 2022-09-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Tesla, Inc. (FL)

I leased a Tesla XXXX XXXX  ( XXXX ) from Tesla, and after returning the vehicle on XX/XX/2022, Tesla still charged my bank account {$560.00} for XXXX as if I had not returned the car. 

I have sent about 30 emails and called many times, but Tesla does not have a real person that answers any of their phones, and I had to leave voicemails. 

In reply to one of my emails, I finally received a return call from XXXX XXXX, a Lease Maturity Specialist, and she explained that there was some kind of mixup in their system, and when I returned the car, my billing account did not get automatically closed as it should have and that is why I got charged for another month. 

She said she could not refund me for the {$560.00} charge until the billing department closed my billing account. A week later, I still had not heard anything from anyone at Tesla, and I got another email saying they were going to charge my account again on XX/XX/2022, for another {$560.00}. 

I called and left another voicemail but could not speak to a real person, and no one called me back. 

I sent another email saying I want my money back immediately because it's not my fault they made some kind of mistake and I need the money. 

I got a reply email saying this : " Any overpayment will go towards your excess wear and tear as well as your end-of-term charges. '' I replied and said it was not an overpayment! They fraudulently charged me for a car I had already returned, and I want my money back now. 

I have not heard back or received my refund, and I still can't talk to anyone at Tesla about all of the problems. 

Its hard for me to believe it is legal for a company to charge me {$560.00} for something I didn't get, and while I do understand mistakes happen, the fact that I can not talk to anyone about the problem on the phone and they have not refunded me makes the whole thing look very scammy.
Consumer complaint received 2016-04-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

i have received a loan modification and am up to date on my payments but i keep getting threatening phone calls, letters, saying i am not. i get harassed on a daily basis. finally they put me through to a supervisor who says the system is not updated yet. this has been going on for 3 months.
Consumer complaint received 2022-09-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (MI)

One of the services I used when a customer of PNC Bank, was the money transfer service known as XXXX. When PNC told me they were closing my account, never gave a reason except they can do this, and I have no problem with this policy. If they don't want me, so be it. My account number was XXXX. Routing number was XXXX. 

However, when they closed the account, they did not release me from the XXXX service I had with them. I called XXXX XXXX, and they informed me that PNC would have to release me from the XXXX service I had with PNC before I could establish service directly with XXXX. To this date, PNC has refused to release me with no reason given. XXXX is an independent business that banks use as a service for their customers. I don't believe PNC has the right to not release me from their XXXX, an independent business. 

I am seeking to have PNC release this hold on my ability to do business with another independent business. 

I look forward to what you learn. 

The PNC branch I used is located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX. Their phone # XXXX PNC XXXX XXXX is at XXXX XXXX XXXX, XXXX, PA XXXX Phone - XXXX Sincerely, XXXX XXXX. XXXX
Consumer complaint received 2022-09-02
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. (NC)

XXXX XXXX/FTC REPORT cover letter/ social/ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX- XXXX XXXX- XXXX I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by XXXX. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Consumer complaint received 2022-09-02
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: KEYCORP (SC)

There is Fraud on my Keybank XXXX credit card. There are charges stemming from XXXX, XXXX, and XXXX of XXXX  totaling about {$1600.00} including interest totaling almost {$1700.00}. I notified KeyBank of this matter, and they temporarily adjusted my account the fraud charges that I claimed to them that I did not authorize. As of XXXX, they put the fraud charges back on my account.
Consumer complaint received 2023-06-16
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: Resurgent Capital Services L.P. (TX)

The company was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting. Please see the attachments to this comment.
Consumer complaint received 2022-09-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A. (IN)

I've written to PNC several times on this loan. This loan was created under fraud years ago under a business that no longer exist, but I've been always scared not to pay to min due to credit effects. I have a good credit score and would not want to jeopardize it. 
I have contacted via phone, letter to PNC and they can not come up with a copy of the loan agreement. 
Why should I continue to pay them? There is no proof on record and I continue to get statements. 
I'm looking for loan forgiveness.
Consumer complaint received 2022-09-02
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. (LA)

On XX/XX/2022 after attempting to access Equifax credit report on the myEQUIFAX website, the system redirected me to call EQUIFAX at XXXX  ( XXXX ) EQUIFAX with a system error NH EQUIFAX stated that there was no history of me every having any credit or active account and/or history and that the error code NH states internally that there is credit NO HISTORY My entire 22+ year credit profile has gone missing, shortly after filing a complaint with CFPB on XX/XX/2022.
Consumer complaint received 2018-04-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (PA)

XX/XX/2016 due to an accident and getting my car after repairs. I borrowed XXXX from Mariner finance. In XX/XX/XXXX my marriage ended.I contacted mariner to try to make arrangements to pay smaller payments, all they would do is another loan. I didn't know what to do so I accepted the loan. After having problems paying contacted mariner. They were not willing to work with me, yelled, harrassed, threatened me. They would not accept money I tried to pay them. Now trying to take my unpaid for car.