davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

Date of Transaction - XX/XX/2021 Amount of Payment - {$210.00} Paid by Corporate check by XXXX  XXXX XXXX to Wayfair Wayfair claims to not have received this payment. The corporate check was received by by XXXX XXXX  and deposited into an account as referenced in the attachments. 
At the time XXXX XXXX  was the issuing bank and XXXX  XXXX XXXX indicated that it was the responsibility of the issuing bank to inform them of the bank change. After continued harrassment from Wayfair and Citibank, and further research and communication with XXXX XXXX, XXXX found the money in another account which I had with them. They refunded the {$210.00} to me in XXXX and in turn sent Wayfair this amount. I never missed a payment and have use bill pay options to make my payments. In good faith, we paid the full amount to Wayfair before it was due. The changing of issuing banks should not fall on my after the fact that it was paid and neither I nor XXXX  XXXX XXXX should be responsible for lates fees or interests accrued since XXXX of XXXX. 

I have also filed a complaint with the XXXX. Wayfair did not want to take responsibility or consider helping in the research to where the funds ended up nor did they consider the situaiton to find a solution except asking or money. Wayfair and Citibank ( who is now the issuing bank ) continued to call me and send notices for payment until I told them to stop. 

Please help me with this situation. Thank you so much!
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MD)

Innovis is reporting my name incorrectly ( XXXX " XXXX '' XXXX ) in connection to two XXXX XXXX XXXX accounts on my consumer report. 

Attached you will find a copy of my USA issued passport ID as proof.
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by Equifax and the XXXX data breach and may have gotten into the wrong hands.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report. Due to a data breach, I am a victim of identity theft, and the accounts and inquiries listed below are unauthorized. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request the removal of such fraudulent information from my credit file.

Accounts to be blocked and deleted : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXXXXXX  Amount : {$360.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Date : XX/XX/XXXX Amount : {$760.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$16000.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$680.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$410.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX, XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$60.00} Inquiries to be blocked and deleted : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing to formally request the blocking and deletion of certain fraudulent inquiries that have appeared on my credit report. I am a victim of a data breach, and I believe that these inquiries were made without my knowledge or consent. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following inquiries from my credit report as they were not authorized by me : 1. 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 2018-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MA)

Hi, I keep getting different calls from debt collectors saying I owe private student loans but I thought I paid those off and now I got a letter saying my IDENTITY WAS STOLEN!

Please help me get these off my credit report.

Someone said that if they don't have the fake loan paper
work then it has to come off my credit?

Also, my dad co-signed and he is a retired XXXX  veteran with a XXXX XXXX XXXX XXXX rating from the VA. We've have copies of his medical records from his VA doctor 's and i've spoken to local District Attorneys that say all loans taken out before XXXX XXXX XXXX XXXX  awards are to be DISCHARGED from his credit report forever. he has no XXXX XXXX to do anything, let alone manage student loan payments. I have a copy from the Veterans Administration.

What should I do to get this resolved?

Thank you so much, XXXX
Consumer complaint received 2022-03-22
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (FL)

I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.
Consumer complaint received 2022-04-11
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. (TX)

Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!
Consumer complaint received 2024-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX **Genesis Management LLC** XXXX XXXX XXXX XXXX, WA XXXX **Subject XXXX Dispute of Inaccurate Reporting** **Collection Account - Genesis Management LLC XXXX XXXX XXXX XXXX  To Whom It May Concern , I am writing to formally dispute the accuracy of a collection account reported by Genesis Management LLC ( Originator ) related to XXXX XXXX XXXX XXXX Furnisher ), which appears on my credit report. I am exercising my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
According to Sections 1681i and 1681s of the FCRA, consumers are entitled to dispute inaccurate or incomplete information in their credit files. I am requesting a reinvestigation of the account referenced above.

The reported collection for Early Termination Fee ( {$460.00} ) and Past Utility Bills ( {$140.00} ), totaling {$620.00}, is inaccurate for the following reasons : 1. **Letter from My Attorney** : A letter sent to the manager of XXXX XXXX XXXX outlining the reasons and conditions for my release from the rental agreement. 

2. **Response Emails from XXXX XXXX XXXX Manager** : Emails confirming my release from the lease agreement without penalties and the return of my {$300.00} security deposit. 

3. **Apartment Ledger/Lease Agreement** : Documentation confirming my payment of a {$300.00} security deposit and the conditions for its return. Additionally, the utility bills for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the first six days of XX/XX/XXXX were billed after I vacated the premises. Despite providing my forwarding address on two occasions ( XX/XX/XXXX and XX/XX/XXXX ), I never received these bills. Therefore, the {$140.00} should have been deducted from my security deposit. 

This evidence substantiates my claim that no additional fees were owed upon my vacating the premises. The Furnisher has violated FCRA law knowingly and deliberately.

The Consumer Financial Protection Bureau ( CFPB ) has made it clear that collecting debts that are not owed or collecting incorrect amounts violates the FCRA.

I request the following actions : 1. Remove all reported information by the Furnisher and Originator from the credit reporting bureau promptly.

2. Take corrective actions to provide restitution by returning my security deposit, minus the cost of utilities. Failure to return the security deposit will lead me to exercise my right to sue for damages resulting from FCRA violations.

3. The CFPB should take regulatory enforcement action against the Furnisher for violating the law, including penalties and other actions.

I request a reasonable investigation into this matter pursuant to Section 611 and the prompt removal of this invalid collection from my file.

Thank you for your attention to this urgent matter. I look forward to the results of your investigation. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-01-05
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. (MO)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-04-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Navient issues my private student loan statement on the XXXX of each month. I pay my bill according to that. 

XXXX month in particular I paid on the exact day my statement was due. Because I did this, for one of my loans, but not the other two, it applied it to the past months payment cycle and not the current one. 

They said something about the " threshold for loans in a given month '' that made no sense to me. 

I've never had this issue in the past, and I believe they need to be more transparent about this on their website.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MO)

I have filed multiple complaints in reference to my federal consumer rights being violated by XXXX, Equifax, and XXXX due to their reporting on my consumer report. I received mail from them in reference to verifying my identification. I provided my ID, social security card, and multiple pieces of mail, one being a bill and other a promotion mail from a promotional inquiry attached below.
Consumer complaint received 2022-03-22
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: JPMORGAN CHASE & CO. (FL)

Transaction took place with JPMorgan Chase XXXX, XXXX XXXX, XX/XX/XXXX I have several accounts with JPMorgan Chase, XXXX credit, master credit card, saving, and checking and I am a customer since XXXX. Never seemed to encounter a problem with this bank... .. till now!! I disputed a charge of {$3000.00} from-to XXXX XXXX XXXX XXXX. The contractor was very dishonest not truthful and did terrible work. I contacted chase XXXX and advised of my problem with this company, chase XXXX credited me the full amount of {$3000.00} back to my visa credit card in XXXX of XXXX. Never advised this credit could be reversed, however, I still monitored my accounts on a regular basis and there was no indication or information of a problem showing on my accounts. I also did not get an email to alert me of a problem on my XXXX  account. I then received a letter in XX/XX/XXXX requesting to fill out a form to continue with the dispute. The letter advised to have the form completed and mailed back between " XXXX '', I never received this letter " till after the due date ''! I immediately contacted visa and was advised as they did not receive the completion of the form requested in time the credit was reversed and the case will " never '' be reopened again!! Never the less after receiving the mail XXXX day late after the due date I send in all prove immediately to show this was a dishonest XXXX and hoped this case was going to be reviewed again. I spoke with supervisors and representatives throughout the month of XXXX and XX/XX/XXXX to prove my case was allegement. At XXXX point of time it actually looked like something was done but then I received a letter this case is closed and the credit will never be reversed. I never was told why this dishonest company was given the credit. Chase never gave me a reason why this decision was made, never send me the information this dishonest company gave them. It looks like chase visa reversed the credit only not having received the documents in time. Read some complaints about chase and I am not the only one not received the mail from chase in time in XX/XX/XXXX. I am XXXX yrs. disabled living alone and was taken advantage off by this company and I want justice done by chase HELP
Consumer complaint received 2021-06-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FRESNO CREDIT BUREAU (CA)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2018-04-04
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. (NC)

accounts removed from credit report still showing XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I am in the process of applying for a new mortgage. During the process, we discovered that Ditech applied my XXXX twice and then re-allocated the payment. The underwriter for the new mortgage is requiring a letter that explains what happened. 

I spoke with XXXX at Ditech yesterday. Initially, she told me it would take 10 days to receive a letter. Then, she said if I requested it via email it would take 30 days. 

I told her that neither of those options was acceptable. She told me that she couldn't do anything else. I insisted on speaking to a supervisor. XXXX came back on the line and said that the supervisor would prepare the letter and send it to me today via email. 

It is now XXXX and they have not sent the letter. 

This is delaying my mortgage application. I'm also concerned that they did not notify me back in XXXX when this error occurred.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (MN)

I received my Escrow analysis for the year in early XXXX. I noticed right away my monthly payment went up XXXX dollars a month and we had no idea why. So after further review, I noticed that Arvest had double payed our home owners insurance. I called on XX/XX/XXXX to get this fixed and they assured me they would correct it. When I logged in XX/XX/XXXX to see if this had been fix, it had not. In the mean time, we had received a refund from our wonderful insurance company for the second payment. So I called Arvest to speak to someone. They said they had canceled the re-analysis of the escrow/mortgage after they noticed the over payment. But this did not fix the problem in our mortgage going up XXXX dollars a month. They then said they would complete the re-analysis and it would be corrected for XXXX which i disagreed with. I said, I called you on XX/XX/XXXX, and you didn't do what you said you were going to do. You are asking us to pay an additional XXXX dollars and many families can not afford to do that. So fix it for XX/XX/XXXX. I asked to be transferred to someone else, I was. She was able to get the escrow department to run the re-analysis right away and it should be fixed by the end of the month. I was very happy with that but I wanted you to be aware of this Mortgage company. XXXX. I have had 5 other mortgage companies and have NEVER had a problem. I worry this could happen to others who are not as aware and may be taken advantage of.
Consumer complaint received 2019-10-25
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2018-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On Monday, XX/XX/2018 at approximately XXXX pm, I contacted Transunion regarding information reported on my credit report. I inquired that the score reported ( XXXX ) is XXXX points less than reported by XXXX ( XXXX ) and the other credit agency. I asked why is there such a gap. All three representatives I communicated with stated Transunion uses a different scoring system from the other two credit agencies. The system Transunion uses is XXXX XXXX XXXX that is a computerized calculated system. XXXX XXXX XXXX applies three methods to arrive at a score for each reported creditor ; 1 ) the numeric rate, 2 ) Reported Public Records ; it was informed that scores are dynamic changing daily per reported balances from creditors. However, none of the representatives could inform me of the mathematical formula applied in the XXXX XXXX XXXX system to arrive at the numeric rate that results in your credit scoring ; it seems to be a mystery. Also, when asked of the address to Transunion to write a compliant for the company to address ; no one could provide, another mystery. My personal financial information is being overseen by a credit agency that uses an unknown formula that provides to the world my trustworthiness. I was however, able to have a report mailed for my review. Yet, I am unsure if that task was done. I informed each of the representatives that Transunion practices is unethical ; the customer services is poor ; and the employees are incompetent of assisting individuals. The information reported from Transunion impacts lives ... the least the employees should know the formula applied to arrive at an individual scoring?
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (AL)

I was assessed 2 overdraft charges of {$36.00} on XX/XX/XXXX. The day after I was able to get my account from the negative balance. That same day I contacted a rep from PNC to request of one or both of the fees could be removed ( because I was wondering why I would get 2 overdraft fees at the same time ). I told the rep, that it was odd to incur 2 fees for one item that was caused the overdraft. He couldn't remove them to no avail so he sent a notice for a account supervisor to get in touch with me. 

So today ( XX/XX/XXXX ) at approx XXXX am XXXX I was contacted by XXXX. Well she lied as to why both of the fees couldn't be removed, she stated I needed to be in the " low balance alert program '' and I needed to do that on their website. I then told her I was in the " low balance alert program '' and that it was automated to my account. I then explained that person with her title could just credit me the {$36.00} if she couldn't have it removed. I then mentioned she probably had bias against me ( I'm a XXXX XX/XX/XXXX and that's why she came up with such a poorest lie. 

I have our conversation recorded ( starting at XXXX ). I will also upload pics to verify I'm already in the " low balance alert program ''.