davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
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. (GA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-07-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo, has been hitting me for hundreds of dollars in ATM overdraft charges while I was in the hospital. I never opted in for them to pay debit overdrafts, as I was certain that if there was no money in my account a debit card would just deny them. I was XXXX and unable to reach out to them. But I called them several times and stated I wanted to correct my account that I have had since XXXX they said the executive team would reach out to me in two to four days. Then it was 10 now they closed my account and say that I owe them hundreds in overdraft fee 's for XXXX, XXXX charges. Why would they honor XXXX charges only to charge me {$35.00} time 15 times. They refuse to call me back after several attempts. I never opted in. I offered to pay anything that was ACH even though me being in the hospital I could not stop them, but ATM/Debit cards? I have been a member since XXXX
Consumer complaint received 2023-12-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (FL)

I went on my credit report and I have some. Unauthorized hard inquiries that I did not authorize. I called the company they say they didn't see where I applied for any loans, but didn't take it off my credit report.
Consumer complaint received 2019-06-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (NC)

On XX/XX/XXXX, I paid {$550.00} to Amerihome Mortgage to appraise my primary residence.

The purpose of the appraisal was to remove $ XXXX monthly private mortgage insurance ( PMI ) payments.

At issue, the third party vendor, appraiser, reduced the gross living area ( GLA ) of my house by 102 square feet from 2896 to 2794 square feet. All prior appraisals consistently measured the house to be 2896 square feet. When I asked why the negative 102 variance all the sudden, the answer that I received was that 102 square feet is within market variance.

Because of this 102 variance, my LTV is at 76.3 % rather than 73.7 % that would qualify me for PMI removal defined as 75 % LTV or less At this point, I have to pay {$5200.00} to Amerihome for PMI removal. I have filed three appeals but Amerihome nor the appraiser are willing to make revisions to my LTV.

I suspect that AmeriHome mortgage company is colluding with the appraiser by 1. purposefully reducing my GLA to attain a lower home value in order to disqualify me for PMI removal. The reality is that if the correct GLA is applied, PMI will be removed without paying {$5200.00} to Amerihome.

Amerihome has refused to entertain any revisions to my home value in light of this egregious inconsistency between their appraisal practices and previous ones. My only option is to appeal to you to investigate this unfair practice designed to keep customers stuck with PMI in perpetuity.
Consumer complaint received 2024-06-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

A person impersonating themselves as a member of the XXXX XXXX Fraud Division contacted my wife via phone on XX/XX/2024 at XXXX EST. After obtaining information regarding our bank account through a series of text messages and calls disguised as official XXXX XXXX XXXX, two wire transfers took place for {$300.00} and {$9200.00} from our bank account.

Once we realized the fraud took place, we contacted the fraud department of our bank ( XXXX XXXX ) at XXXX the same day. The XXXX XXXX fraud agent, XXXX XXXX, was able to trace the funds to the receiving bank, JP Morgan Chase Bank, with a corresponding account number, name, and address in XXXX, CO. 

We were contacted by our XXXX XXXX Fraud Investigations agent, XXXX XXXX XXXX, the morning of XX/XX/2024 to file a report with the FBI and to request our funds back from JPMorgan Chase Bank. 

On XX/XX/2024 we were informed that JPMorgan Chase denied our claim to receive our funds back because 'the funds were no longer available '. 

This is grossly unjust. My wife and I are hard working, law abiding citizens with a XXXX year old, a XXXX year old, and another baby due in XXXX, and are now left financially vulnerable because of a criminal. The lack of protection for US citizens from these huge financial corporations is saddening to say the least.

PLEASE help.
Consumer complaint received 2024-07-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: BOK FINANCIAL CORP (FL)

My mortgage was transferred from XXXX XXXX  to BOK XXXX with an effective date of XXXX. The letter received TODAY ( XXXX ) is dated XXXX. 

With the letter I found a form that I am required to sign about sharing my personal information to include to their affiliate for marketing purposes. I have attached the letter for your review. 

I do not authorize sharing my PII with anyone specially for marketing. XXXX
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MD)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-06-04
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: Experian Information Solutions Inc. (FL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. am I seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-06-07
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: EQUIFAX, INC. (VA)

According to the CFPB law 15 U.S. code 1601, the XXXX XXXX account # XXXX ( with XXXX ), XXXX, XXXX and Equifax are in violation and should be fined for not adhering to the federal government laws on incorrect reporting or delete. 
I have disputed this account many of times and is very much looking to seek legal help against the credit bureaus because I am not getting help from the protection agency meaning " I'm not being helped ''. 

I am/will not take responsibility for the debt as it is and it needs to be corrected or " DELETED '' according to the CPFB laws for credit agency reporting. 

EVERYTIME I dispute, the company updates the account with a balance and recent update date and then add XXXX more years to the update, THAT IS ILLEGAL. 

I spoke to a representative and the account was charged off in XXXX of XXXX and it is showing a balance of {$810.00} and was update as of XX/XX/XXXX. This account should NOT be updated with a balance and new date. 

I included XXXX credit reports from XXXX ; XXXX that was update as of XXXX of XXXX and another with the payment history that shows that it was charged of in XXXX of XXXX. 

This is very illegal to keep this account as " OPEN '' on my credit file and a violation of the CFPB. Please acknowledge this complaint as valid and will seek legal advice because NOTHING IS BEING DONE.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-06-21
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (CA)

I have a fraudulent that I am the alleged co-signer of. The requested amount id XXXX for one and the other is for XXXX. These loans have conflicting information. The D.O.B. does not match and neither does the signatures. None of the information was verified by the school or loan servicing department. The school was XXXX XXXX XXXX in XXXX which is closed down now. This information is not in my writing. The main issue is that this paper work is clearly fraudulent and they are acting like they need more proof. I've been victimized and Navient is continuing the abuse by honoring obvious fraud that should have never went through the system to begin with. I could not select the proper XXXX XXXX XXXX because I didn't have that option but it happened in XXXX.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (WV)

I applied for a XXXX XXXX XXXXXXXX card in store today XX/XX/year>. The rep helping me advised the card was approved with a {$3500.00} limit and I was attempting to use it for a new purchase. The transaction was declined three times. The rep called in and was only advised that I had to wait for the physical card, entirely defeating the purpose of applying. I completed the purchase with another card and proceeded to call the customer service line at XXXX. The first customer rep I spoke with reached out to another department and could only tell me a security block was placed. At that time I requested a supervisor. The supervisor whose name I believe was XXXX proceeded to give very vague and misleading answers. At first I was told there was multiple systems that the application had to scan through, then told XXXX XXXX systems. He kept stating that he had no information on why the block was placed, then proceeded to tell me it was flagged as fraud. After addressing the lie he told stating he didnt know anything then telling me it was fraud, the rep kept interrupting me and eventually chose to hang up after I said it was XXXX me the XXXXXXXX XXXX that he wouldnt let me finish speaking. 
After this interaction I called back in and requested another supervisor. I cant recall the name of the second supervisor but she was more helpful and transferred me to a different department, I believe it was their consumer protection department. This rep then gave very vague answers saying for security reasons I couldnt be verified. I asked for clarification on what couldnt be verified but I was denied any explanation. I was continually told I would be contacted. I then asked how I would be contacted and was told it could be either phone, email, or regular mail. When I asked for clarification on when I should expect a follow up I was told it could take up to a month. I then asked what would happen if I hadnt heard anything within a month and was told Id need to call back in. I asked what would happen at that point given Ive been told I cant be helped over the phone and wasnt given an answer. 

At this point I requested to cancel the card due to the lack of information provided and the overall frustration of the experience. I was denied my request to cancel stating I had to wait for the verification before I could even cancel. 

At this point with no guarantees of any sort of resolution from the company Im resulting to filing this complaint. I was provided with a receipt from the physical store that my application was instantly approved for a {$3500.00} limit, told it could be used for the purchase I was there to make that day, and subsequently denied any explanation from the merchant as to what the issue with my account is despite providing my physical ID in person during the application.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-06-18
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. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payments reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

Unexpectedly this evening me and my sisters account bot got limited, mine being permanent. I had acquired prepaid XXXX  from my work as incentives and used multiple of the cards on my account, during these transactions I was sending some of the money to my sister as shes a single mother and needed to fix her car. Her PayPal account did not have the established transactions required to cash out basically any money so she sent it back to me so we could get it figured out another way. Well both of our funds are being denied from us and it is all the money that either of us have and I am not understanding what rules were broken or what risks my account poses when I have been a customer for 2 years with no chargebacks and o have linked bank account with my information along with corresponding debit card. I am requesting a review be made at the highest possible level as I feel this is not right to hold my money for. If you want to close my account so be it but the funds should be made available immediately since I did not get any warning to plan for this.
Consumer complaint received 2024-07-23
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I purchased XXXX prepaid, XXXX XXXX cards for {$500.00} on XX/XX/2024. Each time I attempted to use the cards my transaction was rejected by the issuer. The issuer is XXXX XXXX, the cards are serviced by Incomm Financial Services. XXXX/Incomm routinely blocks legitimate transactions under the guise of " consumer protection ''. They do so in the hopes of delaying the spending down on the cards. When I called Incomm, they claim that the cards have been tampered with and I must file a case ID to get a refund check.

As of today, Incomm has sent a refund check for ONLY XXXX of the cards as part of case XXXX ID XXXX. They have yet to send the refund check for the other prepaid gift card worth {$500.00} and have requested that I open up another claim for that case. Current Case ID XXXX. 

I have attached copy of the email sent to Incomm as well as confirmation that their system has received the necessary documents.
Consumer complaint received 2024-09-13
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CT)

Home Depot credit services through Citibank In XX/XX/XXXX I got a promotion deal from Home Depot.

The Promotion deal was if purchased {$2000.00} or more, you can pay them back in 24 Months with 0 %. 
We purchased more than {$9500.00} and make sure with the store representative again and again. 
My major concern was about the 24 Months @ 0 %. 
I was paying monthly payment {$450.00} from the day first. 
I was not aware and affiliated with my account details. 
So in XX/XX/XXXX I tried to increase the monthly payment {$600.00} instead {$450.00}. 
At this point I checked my account there was applied a huge interest amount. 
I contacted the HOME DEPOT and credit services. I called them, I went in person and did so many emails. They said to me they are trying to solve the issue. 
At the end no-one is ready for taking responsibility of mistake. 
Credit Services team says this matter will resolve the HOME DEPOT Manager and the Manager says, because she wasn't Manager at the moment when you purchased, So I can't do anything. 
The Representative of HOME DEPOT offered me, if I purchased something next they will give me 36 Months XXXX XXXX XXXX 
I requested them, please resolve my issue. 
I am worried about that, Nobody wants to listen the Customer problem. 
Please help me to solve the issue. 
Thanks