davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
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 am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC (MT)

XXXX  XXXX XXXX XXXX has called my parents house, as well as just called my brother and told him how much I owe them. He called me and told me that I owe them {$2000.00} and I am aware of that. I do believe this is an illegal practice of collection.
Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

XXXX the XXXX, XXXX I was tricked into signing this form because of them not being forthcoming. Plus the signature pad, I was told to only sign once on the signature pad and all other paperwork with signature, I didn't even see them nor read, at all, because the signature pad is not reader. I told by XXXX XXXX, " Just touch the spot, he didn't disclose anything or talk about what they were or anything. This is a scam!! Wells fargo bank refuses to get my down payment money back that I made with my debit card to XXXX  XXXX of {$6000.00} I took the car back immediately the very next day, XX/XX/XXXX, after learning of my financial fate that I had to read for myself at home, this paper work that contained the contract with the numbers was signed by a signature pad, and the print was not like the others that I signed I couldn't even read the forms on the signature pad. And I was told don't worry about trying to read it just touch the computer wand and my signature immediately appear on the forms. XXXX XXXX as a whole have several class action lawsuits against them all over the country for fraudulent conduct, that's their XXXX. Starting in XXXX, up to the present. I signed a fraudulent contract because XXXX never discussed the total amount of the loan, the cost of the loan, nor the terms of the loan. I have some medical issues and they took all day before giving me my paperwork, and my blood sugar was very low which caused me to become fatigue. Also, I couldn't read the forms that came through the signature pad, even with glasses I couldn't read it, According to the Truth IN Lending Act, I have 3 days to rescind this contract, if I had an inkling of the cost of this loan, I would have immediately walked out. I am a XXXX  XXXX  but dealing with XXXX XXXX XXXX contributed to my signing without documents. But also, it was never disclosed or brought to me. Also, my credit is very good, but they have on their website, that some of the cars were as low as 3.5 % or 4.9 % yet and still they charged me XXXX and that wasn't brought to my attention either. I was never told nor did he discussed the cost of this loan. They will do anything to lie, cheat and steal, to keep fraudulent activity from senior citizen, by any means necessary.
Consumer complaint received 2024-09-07
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have one open up to date account with Capital One that I dont want touched. My goal is to rebuild my credit. 

I have 2 accounts with Capital One that were added in my XXXX XXXX XXXX dated XX/XX/XXXX. These 2 accounts show derogatory payment plan in bankruptcy and also show 2 negative accounts on my credit report. 
It says negative pay status ; what status I completed my bankruptcy payments in XXXX XXXX. It was discharged XX/XX/XXXX. 
I want the two old inaccurate reported accounts removed from my credit reports.
Consumer complaint received 2024-10-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PLANET HOME LENDING, LLC (OK)

Planet home lending did the same thing to me as XXXX And XXXX XXXX XXXX  Was or were previously charged. 
I was in the process of putting my home for sale after a divorce, and they proceeded with the foreclosure process. Even though? 
I have let them know that the home post it for sand I still continued with threatening debt collecting actions and penalties. 
That seemed unjust. Such a such as a lawyer fee of around XXXX dollars just to have a letter sent to me. I've already sold the home. XXXX XXXXXXXX XXXX  was the closing date. I've since felt robbed and cheated I found discrepancies in my credit report Such as a foreclosure process has been started, have disputed all these things. And have since got them removed. closing amount, pay off amount, fines and fees are another issue. Planet home landing failed to give me give me options on relief. They only gave me a lone to value evaluation over the phone and basically said there's nothing we can do. Either pay the full amount or it will go into foreclosure. Is there any actions being taken against this company?
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NY)

I recently reviewed my credit report and noticed an account that was not reported accurately. Both XXXX and XXXX XXXX reported a late payment on my account with JPMCB Home in XX/XX/year>. While XXXX reported the same late payment in XXXX XXXX It is the responsibility of consumer reporting agencies to accurately reflect information of the consumer. I'm requesting an investigation into this matter that will remove this erroneous an inaccurate information from my report.
Consumer complaint received 2024-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

On XX/XX/year>, an unrecognized and unauthorized charge of {$1700.00} from XXXX appeared on my Chime checking account. After attempting to reach XXXX to no response I opened a dispute through Chime customer support on XX/XX/XXXX. A day later the dispute was closed without even contacting me with no evidence provided to me nor any further communications requesting any additional info. I appealed the dispute and the same thing happened. As of XX/XX/year> I have disputed and appealed this charge over a dozen times and Chime still refuses to give me any explanation or reasoning that goes into their decision. Each time I call Im given false hope and told to wait another week just for nothing to happen about the fraudulent charge and this has gone on for months! I feel like no real people are reviewing the dispute and an automated system is just automatically denying it
Consumer complaint received 2024-09-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (IL)

My name is XXXX XXXX. I remitted money to XXXX through Sigue Corp on XXXX XXXX XXXX The order number is XXXX, and the amount is {$2500.00}. I have never received it in XXXX! I have requested a refund from XXXX XXXX through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered XXXX XXXX to stop remittance activities on XXXX XXXX XXXX SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Consumer complaint received 2024-08-21
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. (NY)

XXXX, XXXX XXXX, and Equifax are violating my consumer rights! I am speaking with legal council at this point because I am tried of going back and forward about their inaccurate reporting on my credit file. They keep sending me stall letters! This inaccurate information needs to be immediately deleted from my credit file within 24-360 hrs.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

Hit XXXX payments for XXXX in XX/XX/year>. Had two loans, one finally forgiven in XXXX, second one not forgiven?? -- on federal website it was officially forgiven in XXXX finally, but I have no confirmation from Mohela. Also further payments were made after XX/XX/year> while Mohela was failing to process the XXXX forgiveness despite ethr ight forms being submitted XXXX times, so they owe me money back on the excess payments which of course has not come. 

They failed to process XXXX when it was due despite the payment count reaching XXXX payments and forms being submitted. They continued to charge me after XXXX payments. They stlll have not confirmed that I am in a XXXX balance. They still have not refunded me for overpayment.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

Ive told this company to stop increasing my credit line and they continue to increase my credit line. I spoke today with employees XXXX and XXXX of this illegal practice of bait and switch.
Consumer complaint received 2024-09-19
Product: Credit 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 requested a balance transfer from my Wells Fargo Credit card to my XXXX credit card XX/XX/year> to get a better interest rate. The transfer was completed on XX/XX/year> for {$7900.00}. XXXX provided trace # XXXX. However the money was never deposited to the Wells Fargo card. After contacting both banks I found I had accidentally reversed two number on my Wells Fargo Card. I have been back and forth between both banks for almost two months trying to resolve this. Wells Fargo will not move the money over despite the fact that XXXX has successfully transferred it to them and provided a trace number. And XXXX refuses to reverse the transaction so I can submit it correctly. Neither bank is willing to work with me and are both giving me opposite answer to resolve and will not speak to one another either to help me resolve it. So now I am paying on both cards while Wells Fargo sits with this extra money sent to a wrong account.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

My wife and I have Capital One Credit cards.in the past we attempted to set up payments. Everytime we tried when the time came they said there wasn't any record and our fees went up. 
Finally we managed to pay off both cards. A platinum card mine for XXXX and my wife 's card forXXXX. 
Both were paid on XX/XX/year>. Proof is included. Nowhere dies it day ; state or mention about any future fees. 
Today XX/XX/XXXX we both received emails staying we " owe '' on our card. Mine ( XXXX ) my wife XXXX ( XXXX ). 
Why? If both bills are paid how do you charge for something not being used. 
I called and man..the agent tried to justify by saying payment accrue and pay your balance and minimum next month cause I and my wife will get charged again. 
I said how can there be a fee charged on a balance of XXXX? I mean I said I walk into a clothing store look around but don't get charged for looking unless I actually purchase something. No answer. I said how can you apply any type of charge if the card isn't being used?!! It's been paid. You already applied late fees and charges hence the XXXX fees to an account with a XXXX limit. Same with my wife. XXXX limit XXXX in fees applied. 
Paid is paid. I just paid a loan you know what " no extra fees applied '' How can you charge without informing me first off then admitting everything is paid and good to go? 
It's not the first time they have charged illegally. I have included that as well. 
Very deceptive shady illegal business practices time and time again. 
I and my wife want this ridiculous illegally annoying nonsense removed. 
My credit bureau has even has removed this. 
To charge after we just paid XXXX to keep our account in good standing only to have Capital One attempt to recoup fees to be penalized for paying our account is insulting degrading and nothing more then trying to get money any way they can. 
Ots a cheap scam cause the agent was at a complete loss for words. He just read off a sheet and couldn't care less or admit I was in the right. I said how would you feel weeks later with explanation you get this ridiculous charge. Frim what?! THERE IS NO BALANCE ITS BEEN PAID..YOU CANT CHARGE IN A PAID BILL..but went on deaf ears. I guess that's how they became a billion company.

Please assist to get this mess cleaned up. Thank you.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

the inaccurate information being reported on my credit file related to two closed accounts with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under 15 USC 1681m, 16 CFR 313.10, and 16 CFR 313.1, I have the right to dispute and correct any inaccuracies on my credit report, as well as prevent unauthorized sharing of my nonpublic personal information with nonaffiliated third parties, as outlined by the Gramm-Leach-Bliley Act, Section 504 ( a ) ( 1 ) ( C ).

A nonaffiliated third party is defined as anyone except ( i ) your affiliate or ( ii ) a person employed jointly by you and any company that is not your affiliate ( but includes the other company jointly employing the person ). Additionally, any company that is considered an affiliate through ownership or control of merchant banking or insurance activities as defined in Section 4 ( k ) ( 4 ) ( H ) and ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ) falls within this definition.

Nonpublic personal information refers to personally identifiable financial information, including any list, description, or grouping of consumers derived using nonpublic information. As mandated by 15 U.S. Code 6801, financial institutions must respect the privacy of their customers and maintain the confidentiality and security of nonpublic personal information. 
Specifically, XXXX XXXX XXXX XXXX is still reporting incorrect information across all three major credit reporting agencies, including TransUnion. The two account opening dates and balances differ between TransUnion, XXXX, and other agencies, as detailed below : Account Opening Date : TransUnion states I opened both accounts on XX/XX/year>, while XXXX reports a different date. 
Balances : TransUnion and XXXX are reporting conflicting balances for the same XXXX accounts, which is impacting my credit utilization. 
Additionally, TransUnion is reporting these two accounts as closed, whereas XXXX and XXXX have reported them as charged off. According to 15 USC 1666 ( a ) ( b ), reporting adverse credit ratings for a closed or charged-off account is incorrect, especially regarding utilization.

Moreover, 15 USC 6802 requires that before a financial institution discloses any nonpublic personal information to a nonaffiliated third party, it must provide the consumer with a clear and conspicuous notice and allow the consumer the opportunity to opt out of such disclosure. I have not received any such notice, which is a violation of my rights under 16 CFR 313.4.

As outlined in 15 USC 6802 ( c ), any nonaffiliated third party that receives nonpublic personal information is prohibited from disclosing that information to another nonaffiliated third party unless such disclosure would be lawful if made directly by the financial institution. Additionally, 15 USC 6802 ( d ) restricts the sharing of account numbers for marketing purposes without the explicit consent of the consumer.
Consumer complaint received 2024-09-10
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. (MI)

I am writing to once again dispute the inaccurate information being reported on my credit file related to XXXX closed accounts with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under 15 USC 1681m, 16 CFR 313.10, and 12 CFR 1022.41, I have the right to dispute and correct any inaccuracies on my credit report, and to prevent unauthorized sharing of my nonpublic personal information with nonaffiliated third parties, as outlined in 15 USC 6801. 
Specifically, XXXX XXXX XXXX XXXX is still reporting incorrect information across all three major credit reporting agencies, including Equifax. The two account opening dates and balances differ between Equifax, XXXX, and other agencies, as detailed below : Account Opening Date : Equifax states I opened both accounts on XX/XX/XXXX, while XXXX reports a different date. 
Balances : Equifax and XXXX are reporting conflicting balances for the same accounts, which is impacting my credit utilization. 
Additionally, Equifax is reporting these two accounts as closed, whereas XXXX and XXXX have reported them as charged off. According to 15 USC 1666 ( a ) ( b ), reporting adverse credit ratings for a closed or charged-off account is incorrect, especially regarding utilization. Furthermore, under 15 USC 6802, a financial institution such as Equifax is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer has been provided with a clear opt-out notice, as mandated in 16 CFR 313.4 and 12 U.S.C. 1843 ( k ) of the XXXX XXXX XXXX  Act of 1956. This nonpublic personal information includes personally identifiable financial information and any list or description derived from such information that is not publicly available. As outlined in 15 USC 6801 ( b ), Equifax is also required to maintain administrative, technical, and physical safeguards to protect my personal information from unauthorized access. To date, Equifax has failed to meet these obligations, and no proper opt-out notices have been provided regarding the sharing of my information with third parties, in violation of 16 CFR 313.1 and 16 CFR 313.10.
Consumer complaint received 2024-09-20
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. (NC)

I was reviewing my Consumer Report recently and I discovered that there were accounts reported that do not have permissible purpose. The information that is being reported is adversely affecting my character, my creditworthiness, my reputation, and my mode of living as a consumer. This is a clear violation of several federal laws that are governed by the Fair Credit Reporting Act, the FDCPA, and Title 18 under identity theft. 15 USC 6801 and 6802, talks about disclosure of non-public personal information and privacy obligations but it is clear that since my identity has been used, XXXX, XXXX, and Equifax have not upheld their obligations as consumer reporting agencies. Since there was no permissible purpose, per 15 USC 1681b, and non-public personal information was transferred without authorization, per 15 USC 6801, this is a clear indication of identity theft, which is stated in 18 USC 1028.
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my 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
Consumer complaint received 2024-09-20
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. (MA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

Please remove these Inquiries from my credit report.