davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY (NJ)

Received Notification from TD Bank of New Monthly Payment Effective Date = XXXX/XXXX/XXXX and new Monthly Payment Amount = XXXX ( instead of XXXX ) along with notification of SURPLUS in Escrow acct of {$920.00}. I changed my auto payment to XXXX in XXXX, one month BEFORE the add'l {$10.00} was due, but the auto payment reverted back to the prior amt without my realizing it. I have now corrected the auto payments, I have paid {$280.00} in Late Fees, I have overpaid Principal due, but still have had a late payment reported to the Credit Agency for my {$10.00} (!!! ) mistake. Moreover, multiple calls for a current balance or assistance were unheeded because their automated system does not recognize my acct number. 

I would like for TD Bank to remove the Late Payment from my Credit Report as I have paid 20 times the amount in late fees AFTER being sent a check for {$920.00} for their OVER-WITHHOLDING on my escrow in XXXX. To have the escrow amt increase by {$10.00} & then have the bank use that as a means to not apply the otherwise complete Principal and Interest payment & thereby charge late fees and make a late payment report to the credit bureaus in unconscionable. 

I will pay the late fees etc, but am asking the late payment report to the credit bureaus, which will cost me thousands in increased finance, insurance rates, etc, to pls be redacted. This was a {$10.00} clear & obvious mistake, which could have been quickly rectified if the bank had just called me or had human beings that one could speak to rather then a broken automated " customer service '' system that hangs up and does n't recognize its own account numbers, with no option press 0 or any other means to actually speak to a human.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-15
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. (SC)

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 Im being taken advantage of and being ignored. Section 611 ( 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 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. (FL)

To whom this may concern After reviewing my consumer reports, I discover some inaccurate reporting of late payments on an account for which Ive always maintained on time payments. Consumer reporting agencies play a huge role in accurately reporting consumer information. it is imperative that this information be reported with upmost accuracy. Ive never missed a payment on my XXXXXXXX XXXX account # XXXX. I requested through investigation into these descriptions and urge you to provide evidence such a statements demonstrating the lateness of these payments. if unable to furnish such proof, I demand these payment be properly updated as on time payment to reflect its true status is on time. I have consistently upheld my payment, obligations without delay. 

From late payments to wrong information reporting this is unfair
Consumer complaint received 2018-07-23
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: PENTAGON FEDERAL CREDIT UNION (WA)

I received an alert on my XXXX and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by XXXX XXXX on XX/XX/2018 and Pentagon FCU. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with XXXX XXXX. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security and Debit Cards. Please remove this hard Inquiry from XXXX XXXX and Pentagon FCU.
Consumer complaint received 2024-11-01
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. (UT)

XX/XX/year> Subject : XXXX XXXX XXXX Equifax for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against Equifax for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by Equifax directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability.

Payment History and Errors Across Credit Bureaus Equifax shows incorrect entries in my payment history : XXXX : Erroneously reported as 30 days late. 
XXXX : Marked incorrectly as 60 days late. 
Days Late - 7 Year History : Equifax has also listed two 30-day and one 60-day late entries, despite previous disputes indicating these are inaccurate.

Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus. 
Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed. 
If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

XXXX XX/XX/2020 There was a false collection for {$670.00} under my name that should have been resolved already. 15 USC 1681 section 602 A : States I have to right to privacy 15 USC 1681 section 604 A : States a consumer agency can not furnish an account without my written instructions. 15 USC 1692C STATES : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Under 15 U.S.C 1681C-2- Block of information resulting in identity theft. THE LAW CLEARLY STATES : Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Nowhere in the LAW does it state that I HAVE to provide you with any POLICE report. This is clearly a stall tactic and going against my human rights.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2018-11-02
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. (TN)

I have disputed the late payments on XXXX XXXX, XXXX XXXX XXXX and XXXX  XXXX accounts for months. Equifax refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Consumer complaint received 2022-04-11
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: CBC Companies, Inc. (NY)

MY NAME IS XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. I SENT THIS INFORMATION BEFORE I RECEIVED A LETTER DATED XX/XX/XXXX STATING THAT THEY NEED AN FTC WHICH WAS SENT PRIOR NOW I ALSO SPOKE TO XXXX WHO TOLD ME THERE WAS ANOTHER ACCOUNT ADDED WHICH WAS 'XXXX  ACCOUNT # XXXX THAT'S ALSO FRAUD BUT WASNT INCLUDED IN THE REPORT SENT TO ME ON XX/XX/XXXX
Consumer complaint received 2021-10-27
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. (IL)

On XXXX I sent Equifax a dispute letter requesting unauthorized inquiries be removed from my credit report file. I never received a correspondence back from Equifax. On XXXX I sent another dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax for these as well. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letter for violation to respond within 30 days.
Consumer complaint received 2021-10-20
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)

All three credit bureaus are violating my rights under the FCRA, and also the they are no complying with the 60 day investigation parameters set fourth by CFPB. I have tried 3 different times this year to get the credit bureaus to update my information. Each time i have submitted a complaint with the CFPB, I get no help. The bureaus have given me the same answer for all 9 of my complaints. That they are still investigating my results. After 9 months. The are still investigating my results. They are stalling. I will be also submitting a complaint with the Federal Trade Commission.
Consumer complaint received 2021-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

I reported an identity theft to Federal Trade Commission on XX/XX/2020 for Wells Fargo Credit Card. This account does not belong to me. The amount is {$9600.00}. I reported this fraudulent activity to XXXX XXXX XXXX on XX/XX/2020. Wells Fargo continues to report the account as negative on my credit report in error.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (MS)

I checked online and saw that my account with Wells Fargo was charged off and closed I had no idea it would happen nor did I receive a call nor any notification for the amount of {$320.00} bank does not contact nor write nor advise client of closing account. The last I tried to transfer the money to the account pending a deposit I was directed to a department that just apologized and said we were not aware we did not send notification but yet they are ruining their customers by not doing the proper steps not one call not one notification nothing was mailed no correspondence from bank whatsoever.
Consumer complaint received 2020-12-12
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: Grant Mercantile Agency (CA)

GRANT MERCANTILE AGE Original creditor : XXXX-XXXX  XXXX  Contact XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX Account Info Account number # # # # # # # # Collection opened XX/XX/XXXX Account type Collection Department / Agency / XXXX XXXX  on XX/XX/XXXX {$4100.00} Paid off : 0 % Original loan amount {$3100.00} Current Balance {$4100.00} Additional info Comments Account information disputed by consumer Your statements I have never heard of the XXXX  company or have ever been in an XXXX. 
I have never received a bill or any correspondence of any type from either original creditor : XXXX XXXX or collection agency GRANT MERCANTILE AGENCY. 

The first time I heard of either was when I checked my credit report.
Consumer complaint received 2018-11-02
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. (TN)

I am in disagreement with the negative items listed on my credit report even after investigation..I requested for an investigation because the accounts do not belong to me..The accounts which appear on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..So CFPB remove XXXX XXXX ( showing duplicate on my credit report ), XXXX ( Original Creditor XXXX XXXX  ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXXL ) XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, and XXXX XXXX
Consumer complaint received 2021-10-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (DE)

I had refinanced my loan with XXXX and closed it on XX/XX/2020, after 2 days i had received a mail from XXXX that my loan is transferred to Chase Bank, and on XX/XX/XXXX i got a mail from Chase Bank with new Loan Number confirming that Chase Bank is servicing my Mortgage Loan, and there was no communication after that. 

So on XX/XX/2020 i called Chase Customer Support on how to create online login to schedule Auto-Pay for my loan, but the answer from them is " Loan is not transferred to Chase due to some issue ''. 

So i contacted XXXX, but they say they can not help, as my XXXX is transferred to Chase and when i contact Chase they say my XXXX is not transferred and asking me to contact my original lender ( XXXX ). 

i am not sure what to do, as i had closed my house on XX/XX/2020, and after 30 days still i don't know who is servicing my Home Loan.
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. (NY)

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report, which was opened in my name due to identity theft associated with a recent data breach. 
In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be promptly removed from my credit file. 
Account to be Blocked and Deleted : XXXX  Account Number : XXXX Date Opened : XX/XX/scrub>XXXX  Balance : {$1900.00}
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/XXXX : Received promotion email for my Uber credit card regarding earning {$400.00} in additional Uber Cash on everyday purchases. 
Promotion terms : Use your Uber Credit Card to earn an additional 5 % Uber Cash for every {$1.00} spent on grocery store, drug store and restaurant purchases, up to {$200.00} Uber Cash, from XX/XX/XXXX to XX/XX/XXXX. 
Plus earn an additional {$200.00} Uber Cash if you spend at least {$3000.00} on purchases from XX/XX/XXXX to XX/XX/XXXX. 
All Uber Cash earned from this promotion will appear on your statement 6-8 weeks after the end of the promotion. 

Early XXXX : Called customer service to make sure I was enrolled into the promotion and said I was enrolled correctly. 

Before XX/XX/XXXX : Completed over XXXX  ( almost XXXX ) in purchases on my credit card. None of the purchases were used with a mobile or wireless card, only the physical uber card. Transactions were all in-store. My credit card was never closed and the product was never changed. My account to this day is open, active, and in good standing. 

XX/XX/XXXX : Terms said to wait 6-8 weeks after the end of the promotion for the Uber credit to show in my statement. 

I called customer service and they told me to wait until the end of the statement which for my case was XX/XX/XXXX. 

XX/XX/XXXX : No bonus posted yet. I called and started a case regarding not getting credited for the promotion. Case # XXXX Representative told me to wait 7-10 business days for either a letter/e-mail regarding the issue which was forwarded to the necessary department to look after. 

XX/XX/XXXX : No bonus, no correspondence from Barclays whatsoever.
Consumer complaint received 2018-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (FL)

Back in XX/XX/XXXX I applied online for a US Bank Cash+ credit card with a bonus offer of XXXX if you spend XXXX or more. This card also offered 0 % interest for an entire year. I had also received a brochure for this same credit card with the XXXX incentive and 0 % APR offer in the mail, im assuming because US Bank is the lienholder of my mortgage.

After US Bank called to verify information with me about a week later I was approved and received the card in the mail. I made the requisite purchase amounts on the card of over XXXX but had not received the funds. At the end of XX/XX/XXXX or beginning of XX/XX/XXXX, I called US Bank Credit card services to inquire about my reward as it had been well over the 6-8 week process time.

When speaking to customer service they indicated that I was not eligible for the reward even with speaking to a supervisor. The online offer did not come with exceptions and I was even given a full years worth of 0 % interest which was also a part of the offer.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (CA)

Someone has used my name and address to open an account with XXXX XXXX without my consent. The account is to be funded by a Wells Fargo bank checking account which I did not open. 
I filed a fraud alert with XXXX but failed to get in touch with Wells Fargo to close the checking account.
Consumer complaint received 2022-07-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc. (OK)

Appx XX/XX/22 I called moneylion and asked for a stop to be put on my account and to close it out. They did but something went wrong in their system and it did not process. I called back a few weeks later asking again that they cancel my account completely and stop any and all payments. They agreed to do so. 



XX/XX/22 money lion charged my account 4 different time in the amounts of {$5.00} {$5.00} {$5.00} and {$6.00}. I called demanded a refund due to these being unauthorized charges. They finally agree again to cancel my account ( after its already supposed to have been done 2 previous times. ) XX/XX/22 my account is changed {$5.00} ( After agreeing that they will no longer be taking any money out of my account. ) I received and email stating this is to confirm that the no Round Up transfer should ever be processed on your account. 
We do apologize on this inconvenience. 
Thank you for being the best part of MoneyLion. 


XX/XX/22 {$5.00} was withdrawn from my account.
Consumer complaint received 2022-07-31
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions