davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-28
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)

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.

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 2022-09-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

Completed a successful XXXX loan mod this year. I have a payment issue. My mortgage payment ( PITI ) as per the escrow analysis done on XX/XX/2022 is {$2100.00} starting XX/XX/2022. Selene Finance ( the servicer ) claims they errored in the analysis and are now asking for {$2500.00} starting XX/XX/2022. The taxes and insurance have not increased. The variable is ( {$4700.00} yearly ). They have not been able to explain other than stating the PI of the loan was calculated incorrectly. They claim the PI to be XXXX. I also asked Selene to remove the mortgage insurance retroactively from my account being that the property market value vs the current principal loan balance is well under the 80 % mark. They have denied this request with no real basis to substantiate themselves. Finally, they filed a foreclosure action at the beginning of 2022 that was finalized with a court order in which all parties were ordered to pay their own attorneys fees and cost. Selene added their fees and cost to my loan balance. I have provided a copy of the court order to Selene and have yet to see any action on their part to remedy this. It has been months and nothing to date. A payment was made in the amount of {$2100.00} for XX/XX/2022 and they have cashed this check placing the funds in a suspense account. My mortgage loan now shows as past due in Selene 's system. Please assist to resolve these matters.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-02
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. (PA)

My consumer report has been improperly used and my rights have been violated. 
In accordance to 15 USC 6801,6802. I was supposed to be given appropriate notices to report anything on my consumer report and then be given the option to opt in or opt out of allowing that information to be reported to my consumer report and then be given the exact process to be able to opt out securely.

This information is an invasion of my privacy rights.

The Granm Leach Billey Act 15 USC 6802 states that I as a consumer should receive a notice and that this information can not be reported in public, it is my personal information and the listed items below should be removed immediately because I never received a notice nor did I give my permission to anyone. 
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 I never received NOTICE or gave anyone PERMISSION. Remove these items from my consumer file.
Consumer complaint received 2022-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (TX)

Towards the end of paying off this loan ( Last 3-4 momnths )... they started not taking payments form the account I authorized. I had never stopped the payments from coming out of account ending in XXXX. The reviews about this company say that they are notorious for this! 

XXXX XXXX notified of me of this .Asking if I needed help making monthly payments? XXXX never sent me any notice. XX/XX/2022. I paid off the amount of {$48.00} X 2 that was my balance. Then, tried to say I owed 13 dollars and some cents? These people keep trying to get money and it's unethical! They refused one of the payments from account ending in XXXX ... making me delinquent and adding fees! 

Now, the amount due has gone up. to over {$100.00} dollars! I am not paying that. I am only paying 48.37 ... and I want to be done with them! They need to also credit my payment history with XXXX as " Never delinquent '' and paid in full once they agree. I sent a complain to XXXX... they ( XXXX ) has not responded to them yet!
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

XXXX  dosent even have my correct last four of my social security number so how is there any collection and delinquent past due accounts on my credit report? if the social dont match? ill tell you because there not verifying nothing thats reported. because the more info the more profit they make only when i try to remove fraudelent items do they do everything they can to keep as much data they can. more data equals more profits so they have an financal intrest to not delete any data thus a conflict if intrest results discrimination. im being discriminated and as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX i cant belive XXXX XXXX is still a thing
Consumer complaint received 2023-09-28
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ive been asking for documentation stating why my fraudulent charges were being denied and this is what Ive gotten back since 5 months of asking for them Date : XX/XX/2022 Time : XXXX ; XXXX XXXX XXXX : Consumer Web Sent : XX/XX/2022 Sent to : ( XXXX ) XXXX Dont know what exactly does this refer to or has to do with because first of all the dates the the charges were made are XX/XX/2022 - XX/XX/2022 - XX/XX/2022 and me as a consumer I would be expecting something for each and one of those transactions a reason on why each on of them were declined for a return
Consumer complaint received 2023-09-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc. (VA)

Was advertised that it would be {$7.00} to open a Sezzle Spend Anywhere account. Meaning for {$7.00} a month, I could use Sezzle anywhere XXXX XXXX is accepted. I tried using it for an online merchant that accepts XXXX XXXX, and Sezzle declined it 2X. I asked customer support why this happened, and they did not give me an answer at all. 
It turns out, I was actually charged {$7.00} for the service, so an extra XXXX cents that was not advertised. Not only can you not Spend Anywhere, but they also falsely advertise that is was a {$7.00} subscription.
Consumer complaint received 2023-11-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I received recently a bank statement from Bank of America dated XX/XX/XXXX to XXXX, 2022 showing a negative balance of {$4.00} due to a service fee. I never applied for nor opened this account. As I am aware of the banking scams of both XXXX XXXX and Bank of America and the investigation undertaken by your organization, I was immediately very concerned. As a result I sent my letter investigating this matter to Bank of America on XX/XX/2022 requesting information as to how this account was opened. ( Letter attached ) Instead of replying to this letter I received a communication from Bank of America dated XX/XX/2022 in which this bank is requesting that I fill out their guestionaire ( attached ) including asking such things as my social security number and a copy of such things as my driver 's license, etc. Given the fact that this bank would have appeared to have most of my private information in order to originally open this account, I find it inappropriate and frightening that the bank now feels that they are in a position where it is reasonable to request such information after they opened the account. If Bank of America fraudulently or negligently opened an account in my name, I would not want to provide them with additional private information to use against me.
Consumer complaint received 2023-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

On Thursday, XX/XX/2023, I entered the Chase bank branch at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. I used the ATM machine right in front of the tellers ' windows inside the branch to withdraw {$500.00} in one-hundred dollar bills. I was charged by Chase {$3.00} for using the machine. Clearly, and without question, Chase was more than happy to allow me to use the machine and, furthermore, was even more happy to have me pay Chase a fee of {$3.00} to do so. However, I noticed that one of the bills disbursed by the machine was an old one-hundred dollar bill, and so I asked the teller to exchange it for a new style one-hundred. Again, I had used the cash machine right in front of the teller and also I was the only customer in the bank at the time. The teller exchanged the bill, but then I noticed yet another of the bills disbursed by the Chase machine, and for which, as referenced above, I had been charged a fee of {$3.00} to use, was also old. I asked to also exchange that one. At that point the teller refused. I asked for the branch manager and the teller, with quite an increased attitude, called her branch manager at my request. The branch manager -- XXXX XXXX -- arrived and I asked to speak to her privately. We went to her office and I informed her that the teller had quite an attitude and did not belong working in a bank, regardless of the original issue of exchanging the old bills I had received from Chase for bills that met my expectations. XXXX XXXX immediately said, " I strongly disagree, '' without even listening to the totality of my reasoning as to why I found the teller unfit for customer service work. She also said, " You came into the branch in a bad mood, '' which I found stunning, in that I had no contact with anyone in the branch until I asked to exchange the bills and, furthermore, was not in a bad mood at the time I entered. XXXX XXXX also proceeded to tell me, " You can take your issue to XXXX XXXX, '' with XXXX XXXX being the CEO of Chase. I do not have XXXX XXXX 's personal contact information and so, for among several reasons, I have proceeded with this complaint. Chase bank was more than happy to charge me a {$3.00} fee to disburse money from its machine. It also is a federally chartered bank, under the jurisdiction of, among other entities, the Comptroller of the Currency, and thus has certain responsibilities with regard to currency transactions, most especially for currency transactions that it has initiated by putting out the welcome mat by offering use of its ATM machines, also for a fee. I was not happy with the bills I received from the machine, and had a right to expect bills that addressed my concerns. I also understand after dealing with XXXX XXXX where the untoward energy and behavior in that branch flows from and originates.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

fraudulent inquiries and address on my credit report, and the credit bureaus are reporting it without a permissible purpose. 

The inquiries and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc. (VA)

I received a notice to my Aidvantage account stating that my interest rate reduction for using AutoPay will be suspended during forbearance or deferment and the next line states my loans were approved for deferment. I never made a request to have my loans deferred so I'm not sure why they were. I tried to call their Customer Service line and each of the 12 times that I called, I kept being told to wait on the line then after about 10 minutes I would get a prompt to leave a message for a mailbox ( # XXXX ) however that mailbox was full. I tried to send an email via the Help Center while logged into my account and received a follow up email to my personal email stating that they were unable to respond to my request via the Help Center because it wasn't secure, even though it was sent through my logged in account. So now I'm accruing more interest than normal because my AutoPay enrollment has been removed because they placed my loans in deferment without me requesting this and I'm unable to get a hold of anyone to resolve the issue. How can a company responsible for millions of federal student loans be so difficult to get in contact with. This is unacceptable.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (NJ)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account number 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 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Original Creditor : 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 2023-12-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MN)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of Wells Fargo for over 30 years. It appears that there are instances of predatory banking practices that warrant further investigation. 

On numerous occasions, I've experienced overdrafts, often coinciding with delayed deposits or what seems to be a deliberate holding of drafts to trigger overdrafts in my account. Additionally, Wells Fargo has acknowledged errors on their part, refunding charges only after my intervention. Without my proactive steps, these charges would have remained unjustly imposed. 

I am deeply concerned about the potential harm caused by such practices and believe that federal oversight is necessary to prevent similar instances from affecting other customers. I kindly request a thorough investigation into Wells Fargo 's banking practices to ensure accountability and safeguard the financial well-being of its customers. 

Thank you for your attention to this matter.
Consumer complaint received 2022-09-22
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: Experian Information Solutions Inc. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NY)

I recently reported fraud on my account and I notified XXXX, XXXX and Experian and all of them closed my report without even looking into it, which is absurd. I need all 3 companies to do a full on investigation into this because it is affecting my credit. I would like to know what steps they took to investigate this fraud, how will it be prevented in the future and I will like it mailed to me as well. None of these companies proved these accounts are mine and they are reporting false fraudulent information and if not corrected, will definitely be added in a lawsuit I will be filing against them. I will also send this to the attorney general office just for a back up, cause I don't understand how a fraud case is being ignored.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (MI)

This is my 6th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account which was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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