davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP (MN)

I received a letter dated XX/XX/XXXX  from my local tax authority telling me my escrowed property taxes for XXXX  were paid late. As of the writing of that letter, my mortgage company had only submitted one half of the taxes due for my home, and I had been charged an extra {$180.00} for paying late. The first of two payments was due XX/XX/XXXX and was paid several months late on XX/XX/. 

I called on XXXX, XXXX XXXX  to get more information about why these payments were late and to have US Bank cover the late fees since this was due to an error on their end ( I've made every mortgage payment on time ). At that time, they told me they'd made all my payments on time and that they'd investigate the issue and get back to me. They told me I'd hear back from them within 10 business days, but I have not heard back yet. 

A new tax disbursement dated XX/XX/XXXX  has shown up in my online portal. This payment was due on XX/XX/XXXX  according to my county. I'm also unsure whether or not the {$180.00} will be paid by the mortgage servicer or not, as that has not been communicated to me.
Consumer complaint received 2023-11-21
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-18
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 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 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

On XXXX and XX/XX/XXXX, I contacted Equifax a major credit reporting agency requesting that they remove the credit freeze of XX/XX/XXXX from my credit file so I may attain credit in the near future. I have faxed all of the information the agency requested and the freeze is still on my credit file. I would greatly, appreciate it if your agency can help with resolving this matter.
Consumer complaint received 2017-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Recovery Systems, Ltd (MI)

I have recieved over 40 calls to pay a debtthat I do not owe to a XXXX company. The collection agency is Nationwide Collections. The debt is {$46.00} and they said they would settle for {$26.00}. I do not owe anyone any money. My credit score is in the XXXX and I pay all of my bills. I am tired of gettng these calls, day after day. The phone number is XXXX. XXXX, I think, is a company that sells face cream online. That order was cancelled because I sent the product back to them. So why should I pay them for nothing. I never ever heard from XXXX for a debt owed.
Consumer complaint received 2017-05-05
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: Experian Information Solutions Inc. (CA)

XXXX / XXXX /   2017 - App roximate Dispute submitted to Experian regarding   XXXX   XXXX   ACCOUNT on credit report, acct  XXXX       XXXX   XXXX , 2017-Experian responded that the account had been UPDATED, per Credit Report #  XXXX , as follows : Results Back to top How to read your results Deleted - This item was removed from your credit report Remains - This item was not changed as a result of our processing of your dispute.   Updated - A change was made to this item ; review this report to view the change. If ownership of the item was disputed, then it was verified as belonging to you.   Processed - This item was either updated or deleted ; review this report to learn its outcome Credit Items  XXXX   XXXX  Account Number :  XXXX  .... Outcome : Updated - Information on this item has been updated. Please review your report for the details.    XXXX   XXXX  Account Number :  XXXX  .... Outcome : Updated - Information on this item has been updated. Please review your report for the details.     The alleged creditor claims that they no longer owe the debt, and it was SOLD TO ANOTHER lender, but the debt continues to be owed to   XXXX   XXXX   XXXX  .     THE CREDIT REPORT RECEIVED FROM EXPERIAN DID NOT UPDATE THE CREDIT INFORMATION AS CLAIMED IN THE REPORT I RECEIVED. REPORT #  XXXX , INVESTIGATION ID  XXXX . THERE IS NO UPDATE TO THIS ACCOUNT ON THIS REPORT.     ALSO   XXXX   CLAIMS THEY SOLD THE DEBT IN THE AMOUNT OF {$4100.00}.   THE DEBT BUYER CLAIMS, FIRST, A DEBT AMOUNT OF {$4800.00}, THEN SUBSEQUENTLY CLAIMED A DEBT AMOUNT OF {$5200.00}, AND CONTINUES TO REPORT THIS INCORRECT AND FRAUDULENT DEBT AMOUNT.
Consumer complaint received 2021-10-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd ()

I sent an amount of XXXX $ to a XXXX account, on the XXXX of XXXX, with the right XXXX information, but still to the date has never arrived. 
TransferWise, who charged XXXX $ as a compensation for this service, keeps replying that they sent the money but it never arrived. 
They blame the beneficiary bank for not answering to their demands, but the beneficiary bank can't trace any transfer as they never received anything. 
I guess they do this in order to keep my money for some time but I literally need this money to live.
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2023-11-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Equifax Information Services I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Equifax thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America and XXXX refused to honor the total rewards for {$7100.00} ( {$7000.00} + {$100.00} initial payment ) payment ( s ) on XX/XX/2021 to my Bank of America XXXX XXXX XXXX. Case # : XXXX. XXXX, paying for, and installing solar panels is clearly XXXX XXXX and XXXX merchant category code ( XXXX ). Bank of America XXXX is that merchant did not provide the correct XXXX. XXXX excuse is that they can not change the code. As consumer, I believe the two companies are clearly engaged in fraud.
Consumer complaint received 2023-10-08
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)

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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX 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 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 information is inaccurate.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1995 RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX  : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXXXXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 


Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX Ssn XXXX Phone number :XXXX XX/XX/XXXXXXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Unauthorized Disclosure of Personal Information and Violation of Privacy Rights Dear Equifax Information Services I am writing to bring to your attention a matter concerning the unauthorized disclosure of my personal information, which I believe constitutes a violation of the Privacy Acts No Disclosure without Consent Rule outlined in 5 U.S.C. 552a ( b ). I have recently obtained a credit report from your agency, and I discovered that certain details related to my child support account with the XXXX XXXX DA have been shared without my prior written consent. 

The specific information disclosed without my consent includes : Account Name : XXXX XXXX DA Account Number : XXXX Account Type : Child Support Responsibility : Individual Date Opened : XX/XX/XXXXXXXX  Status : Open. {$40000.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXXXXXX  Balance : {$40000.00} Balance Updated : XX/XX/XXXXXXXX  Recent Payment : - Monthly Payment : {$660.00} Original Balance : - Highest Balance : - Terms : 1 Month Source : XXXX I would like to emphasize that, according to the Privacy Act, federal agencies are generally prohibited from disclosing personal information without the written consent of the individual. This disclosure, as detailed above, includes information about my child support account and its financial status, and I have not provided any prior written consent for such disclosure. 

I kindly request that Equifax thoroughly investigate this matter, correct any inaccuracies resulting from the unauthorized disclosure, and take appropriate measures to remove the child support account from my credit report and prevent such incidents in the future. I am also open to providing any additional information or documentation to support the resolution of this matter promptly. 

I appreciate your prompt attention to this issue and look forward to a timely resolution. Please feel free to contact me at XXXX is my phone number or XXXX is my email address to discuss this matter further. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

I have a consolidated student loan with Navient and have been paying on it for roughly 20 years. The original amount of the loan was {$42000.00}. During the course of repayment of this loan I 've encountered some economic hardships along the way. During those times, the loan was put into deferment. Things are good now, and I 've been making steady payments for the last several years.     To date, I have made payments totaling {$89000.00}.     That 's not a typo. {$89000.00} for a student loan.     It gets worse.     Over the course of the loan during economic hardships and calculating capitalized interest, only {$5800.00} in total has been applied toward the principle. I have the  Navient  generated spreadsheet confirming this.     To pay it all off today would cost an additional {$48000.00}.     My interest payments fluctuate, depending on which day I pay. If I pay on  XX/XX/XXXX , the actual interest I have to pay Navient is more than if I pay on  XX/XX/XXXX  , m eaning less goes toward the principle. Is that legal?     During the aftermath of Hurricane  XXXX  I received unsolicited calls from Navient asking me if I wanted to reduce my monthly payment. I said I sure would, and now I 'm paying {$650.00} per month, and, depending on the day the payment is made ,  $  XXXX  -  {$450.00} goes towards interest. I was never properly advised by the lender that my payments would increase eventually. Navient practices are deceptive and predatory.     I am unsure how to proceed, but anything you can do to bring attention to this matter would be greatly appreciated.      Kindest Regar ds,   XXXX   XXXX    University Class  of  XXXX
Consumer complaint received 2023-11-21
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. (CA)

This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.
Consumer complaint received 2023-11-21
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was scammed on XX/XX/. 

Same date I contacted the seller and was met with hostility when I asked for a refund. I informed Captiol One about the scam and disputed the charge. Captiol one told me they will temporarily refund me the charge. 

XX/XX/XXXX, Captiol one temporarily refunded me the charge. 

XX/XX/XXXX Seller told Capitol one there are no refunds. Capitol one took back the credit they issued. 


XX/XX/XXXX I provided a very detailed letter explaining how I got scammed and how this proof is all over online to capitol one. 

Detailed letter is attached in the notes XX/XX/XXXX. 
I received news from Capitol one telling me I didnt have enough information therefore they wont credit my the account.
Consumer complaint received 2023-11-21
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (IL)

At end of loan period Wells Fargo ( WF ) notified customer last payment will be additional interest of {$850.00} plus outstanding balance of XXXX ( Total {$1500.00} ) because payoff was not made in full prior to end date. Note : All payments made on time or early no lateness as agreed.. XXXX ( me ) contacted WF and talked on phone to ( 3 ) different WF Customer Service people about SURPRISE interest. XXXX advised WF this {$850.00} will not be made. Eventually Hi Level Cust Service Mgr agreed loan amount of {$680.00} paid now will satisfy account outstanding balance and close account. This amount had been made previous day XXXX and was agreed as XXXX account balance will be XXXX when payment is received ( mailed previous day ). WF claims payment was received on XXXX  ( processed date I am sure ) and reneges on previous agreement claiming the payment MUST be received the same day offered ( XXXX ). No such fact discussed previous. She lied. Made up condition. Account is paid in full. XXXX XXXX XXXX XXXX'. Asked for confirmation of this or WF can proceed with whatever action. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX