davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I am distressed that you have included the information below in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2020-03-29
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: Bread Financial Holdings, Inc. (AR)

XXXX XXXX AND COMENITY FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON XXXX ONLY, ALL BUREAUS COMPLIED LONG AGO!
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (IL)

In XX/XX/XXXX I called Navy Federal Credit Union for assistance I was no longer able to pay my bills due to being diagnosed with XXXX and losing my job. They at that time gave me a lower interest rate on both the credits cards with them one ending in # XXXX and the other one # XXXX for what I thought was for 24 months cutting the minimum payments down to half. The one ending # XXXX was {$79.00} a month and the other one ending in # XXXX was like {$55.00}. In XX/XX/XXXX I went to pay the minimum per usual and noticed that the minimum monthly payments doubled card ending in # XXXX was {$150.00} and the other one ending in # XXXX went up to {$99.00}. I still made the minimum payment that I usually make the {$79.00} and the $ XXXX.I called Navy Federal Credit Union on XX/XX/XXXX to see why the increase happened at that time I was told my deferral had expired. I explained my situation and explained that those payments was too steep. They told me to go to navyfederal/pfi. I immediately submitted the application. I kept messing calls from Navy Federal during the day being a XXXX XXXX XXXX. I finally call and get someone and request that I be contacted after XXXX XXXX  CST, however my rep was still reaching out even after that. I believe it was XX/XX/XXXX I finally spoke to my rep and she set up the deferment for 12 months on both my credit cards and my car loan. She said I don't have to pay nothing on my card ending in # XXXX and my car loan until XXXX and my card ending in # XXXX had to be paid on XX/XX/XXXX of {$50.00}. Now I was excited some of the pressure is received. Since that my credit score has dropped I had 2 alerts that Navy Federal is reporting me 30 days late. Called in and spoke to 3 different supervisor to say that they didn't mark me late to one saying just dispute it. Please look at the fact that I wasn't irresponsible that I tried to clear the matter up before it was too late. On top of that I paid on time consistently up until the minimum payment went up. They customer service is horrible all they reps act like you're less than because you can't pay your bills. I need for my score not to be effected so I can get another car. I currently pay a car note on a car that keeps breaking down on me. With the 50 points that my credit score just plummet I can get a wad of gum on credit. Please review the attachments.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MA)

Citibank customer service kept contradicting themselves while advertising a {$500.00} new client offer, then I wasted like 15 hours ( records ) trying to get the problem fixed but they still kept contradicting themselves and won't even let me withdraw in a reasonable and XXXX compliant manner, the same manner I deposited into it.
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I used my debit card to reserve a hotel booking for XX/XX/2020. Hotel instructions, says that the card is used to reserve the room and will be charged when I book in on XX/XX/XXXX. I have been calling the hotel from XX/XX/XXXX to cancel the reservation due to the Corona Virus and the fear of taking my family overseas. Neither the hotel nor the XXXX booking company have been responsive. On XX/XX/2020 I went to the bank, Wells Fargo, to advised them not to pay the hotel. Wells Fargo, advised me to cancel the debit card so that the hotel can not charge it and they issued me a new card. On XX/XX/2020 I got an alert that the hotel attempted to charge {$1500.00} to the cancelled debit card. I went to the Wells Fargo bank on XX/XX/2020 and they told me that the transaction is pending and I do not have access to the money. I asked them how could they process transaction against a cancelled card and they had no answer. Wells Fargo is about to withdraw funds from a debit card that they have closed. How do I get my money back from Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX.
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-03-29
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: Experian Information Solutions Inc. (AR)

XXXX XXXX AND XXXX FURNISHED 1099-C FOR ALL CREDIT CARD DEBT LISTED ON EXPERIAN ONLY, ALL BUREAUS COMPLIED LONG AGO!
Consumer complaint received 2023-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent my identity theft reports via certified mail ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) to Equifax and XXXX ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022. They received the identity theft reports and didn't do anything about it, nor did they respond within 30 days. The fraudulent accounts in question are : XXXX XXXX XXXX XXXX Fraudulent credit inquiries : XXXX XXXX XXXX XXXX My personal information is incorrect : My only name is XXXX XXXX Equifax lists my name on the credit report incorrectly as : XXXX XXXX XXXXXXXX XXXX XXXX is listing two incorrect addresses on my credit report : XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX
Consumer complaint received 2020-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo is charging me NSF fees days after an em has cleared my account. They are saying that my account was negative when in fact it was not. I have been charged with {$35.00} nsf fees each time. Items have been returned causing me to lose money or to pay double. I just recent had {$35.00} deducted from my account and have not received a response in over a week. This is an ongoing issue.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

On XX/XX/2020. I called Equifax to asked them why the XXXX 's account was closed on my credit report and had a comment that stated, " Account paid after foreclosure started '' on the account. When the customer service asked me where I pulled the credit report from and I told her from Equifax.com, and I am a Equifax Complete member. The representative stated to me that she doesn't see that the account is closed and it open on her end with no comments. Equifax customer service asked me to call XXXX 's to asked them about the account. I called XXXX 's and they told me that my account is in good standing with a {$0.00} balance. So I called Equifax over the course of three time in the week beginning XX/XX/2020 with no resolution to my problem. XXXX 's said that they will file a dispute but I told them that I do want them to file a dispute, because I will be applying for a mortgage soon. I feel like this something that should be settled quickly and it should not take 30 days to do so. This is Equifax mistake and they need to take ownership of it and correct the problem. This is only showing up on my credit report through Equifax.
Consumer complaint received 2020-03-17
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: Credence Resource Management, LLC (VA)

XXXX  did not bother to review what I submitted supporting that the new posting from credence resource management is another post for the sale to another company/reaging of the debit I had previously disputed that was shown under XXXX XXXX. XXXX  dispute results says Credence certified to them the information reported is accurate which shows account opened date XXXX of this year.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

I will like to file a complaint against Navy Federal Credit Union. They closed all my checking account and credit cards due to me signing my grandparents up for a new account using my phone. I am unable to use my account or access my credit cards. They closed my account without any knowledge. I tried to fix this problem over and over again. They are expecting me to payback these credit card without be able to use them.
Consumer complaint received 2021-04-20
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. (FL)

I have sent norms letter and file more then one complaint both XXXX and XXXX have removed this incorrect information from my credit but Experian has yet to answer. 

XXXX XXXX XXXX is not company that belongs to me and this should been removed from my credit report months if not over a year ago. 


Also this Hard Inquire still remains on my report XXXX XXXX XXXX
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MI)

I have an Amazon rewards credit card through chase bank, my credit card payment was due XX/XX/2022. I made a payment on the chase app via my phone on XX/XX/2022 for {$600.00}. Chase bank did not attempt to process the payment for 7 days. My account was no longer sufficiently fulfilled to make this credit card payment so the payment was returned. On XX/XX/2022 I opened the chase bank app to make my payment that was due 12 days prior only to find out my account had been closed. I called chase bank and spoke with a representative who agreed that my account should NOT have been closed and she stated she was forwarding the complaint to the reinstatement department. 

On Friday XX/XX/2022 at approximately XXXX I received a call from a woman by the name of XXXX XXXX XXXX proceeded to tell me my account could not be reinstated. When asked why XXXX gave several different responses. First XXXX stated it was due to returned payments, then XXXX stated it was due to the card being {$56.00} over the credit limit. When I mentioned the card was over limit due to interest accruing she stated that my account was closed because of rapid increase I asked XXXX what does raid increase mean and she stated it means aggressive spending I asked XXXX if I was being penalized with a closed account because I was utilizing my available credit, to which XXXX stated yes. 

It is a violation of the CFPB to penalize a consumer for utilizing available credit. This account never reached 30 days past due. Im extremely concerned at the unchecked power and control these companies and their employees have over consumers and their credit profiles.
Consumer complaint received 2020-03-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Washington Collectors Tri Cities Inc (WA)

RECEIVED A NOTICE FROM WA COLLECTORS VIA MAIL XXXX, STATING I OWE XXXX PER OVERDUE BILL CITY OF XXXX. I tried to call WA COLLECTORS but they would not give me any information unless I gave them my date of birth. I would not do so. I offered to give the the code number from the top of the letter I received but they demanded my DOB and would not respond further without this. I called next to the CITY OF XXXX. They told me that several bills had been sent in the name of XXXX XXXX to an address listed as XXXX XXXX, XXXX WA. I explained I was not XXXX XXXX and that I could not have received the notice that was sent to a place that I do not live at and have never lived at. Also, why are they sending me to a collection business when my name is not even on the bill. They would not respond to my questions and abruptly stated that " this was out of their hands now that it had been sent to collections and I would need to talk to the Collection agency. 

This is the 2nd time I have encountered a collection notice from this agency that is incorrect and due to this agency not correctly verifying information on the debt before sending me a notice that I owed money. The first time they did so the AG office in WA state contacted them and investigated, resulting in this agency responding that it was in error.
Consumer complaint received 2021-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contact your company Trans Union and the reporting company with no help. XXXX  and XXXX have removed this information my credit reports but some reason TransUnion Is not responding to fix this matter. This account listed below does not belong to me I've contact XXXX I dont not nor have I ever had an account with this company. also there are Hard Inquiries that I did not authorize please have Trans Union remove them right now. 

Account XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX names XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX w XXXX
Consumer complaint received 2020-03-17
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Hello, CFPB. I am writing to you today to report multiple violations to the Fair Credit Reporting Act committed by Wells Fargo. My account information is the following : Wells Fargo Home Mortgage account # XXXX, opened : XX/XX/2017, original balance {$380000.00}. 

Wells Fargo is reporting a late payment on this account. This is a BANK ERROR. I made my payment on time and now they are stating that my payment was applied to another account that does not exist. They were unable to explain the reason why I have 2 profiles on their system. Also, they did not update my personal information ( phone number ), stating that they were not able to do it by phone. 

This company is being negligent an unfair by reporting a late payment on my account that shouldt be there. They are being NEGLIGENT, UNFAIR, they have failed to conduct a reasonable investigation on my account. 

This issue is highly affecting my health, and my score cant go up because of their error! I've lost, and several lines of credit I've been turned down for because of this issue. 

Please send the attached documents to Wells Fargo.
Consumer complaint received 2022-03-25
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. (TX)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2021-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

I am writing today in regards to my account with Loan Care Servicing C # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Consumer complaint received 2023-01-01
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: DISCOVER BANK (NJ)

I was XXXX  on income tax related charges XXXX XXXX, 2011. On XX/XX/2011 someone opened, charged and maintained a Discover credit card in my name, account XXXX. I have provided Discover proof of my XXXX  by the Internal Revenue Service and Discover repeatedly persists in incorrectly informing me that it has VERIFIED AS ACCURATE the account by sending me photocopies of monthly charge statements that occurred while I was XXXX. Discover has willfully violated my right to dispute inaccurate information information, under the Fair Credit Reporting Act, 15 U.S. Code 1681.
Consumer complaint received 2020-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

On XX/XX/2020, I received an alert from Equifax regarding an new address added to my credit report, which does not belong to me. I have not applied for any credit or my creditors have this address. I have tried to dispute this address but Equifax sill has this address on my credit report as mixed. The said they have deleted this information form my credit report but still not showing correctly.
Consumer complaint received 2020-03-17
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MRS BPO, LLC (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L  Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2021-04-20
Product: Mortgage — Other type of mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (AR)

I tried to send them a letter last XX/XX/2020. Telling them that what they are reporting is in direct violation of the FCRA that says they are responsible for reporting complete and accurate information in a timely manner. Tracking number : XXXX I never received any response from them and they did not update the credit report as disputed. 

JPMC HOME is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Consumer complaint received 2020-03-17
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. (VA)

I have disputed XXXX XXXX several times and it comes back verified. How can it comes back verified when it's reporting different information on all bureaus? Highest balance is different along with last payment. This is a violation of my rights.