davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I wrote letters date, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and my most recent letter date XX/XX/XXXX to Equifax regarding an account being reported by XXXX XXXX XXXX XXXX The letters were informing them that the debt in inaccurate, and falsely reporting and requested a letter of validation. I later realized that these medical bills were a result of a Virginia State workers comp case and should have been handled by the insurance company XXXX XXXX XXXX since I was hurt on the job. 

These letters were sent to both the credit reporting agencies and the collections agencies. XXXX & XXXX responded that the account was unable to be verified and deleted it from my credit report but Equifax failed respond to any of my complaints and continues to report this account as being 100 % accurate. 

As a result of this, my credit has been damaged and I've been discriminated against as having bad credit and denied credit because of this false information being reported on my credit report. to this day the information is still being reported inaccurate and false information is being reported
Consumer complaint received 2021-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (PA)

WELLS FARGO STOPS MY AUTOPAY WITHOUT NOTICE TO ME. THEN SINCE THE AUTOPAY AMOUNT OF {$350.00} REMAINED ON THE EXPIRING ACCOUNT, WELLS FARGO CHARGES ME 28.99 % INTEREST IN THE AMOUNT OF {$2700.00}. 

I took out a no interest if paid in full loan on a Wells Fargo Home Projects Credit card on XXXX XX/XX/XXXX. 
NO INT IF PD IN FULL W/PMT XX/XX/XXXX XX/XX/XXXX 28.99 % {$8500.00} The remaining balance on the Card as of XX/XX/XXXX was " Previous Balance {$3700.00} '' I had the card on Autopay and a payment was scheduled for {$350.00} that was going to clear on XX/XX/XXXX. So I paid the remaining balance, $ XXXX {$350.00} on XX/XX/XXXX. 
Payments - {$3300.00}. 
Wells Fargo, without notice to me, stopped my Autopay. They told me this happened because I made another payment on XX/XX/XXXX. 
Due to this unexpected change in my Autopay schedule, there was XXXX $ on my account when my loan expired on XX/XX/XXXX. Wells Fargo then charged me the full 28.99 % interest on the entire initial balance in the amount of Interest Charged + {$2700.00} New Balance {$3100.00} Credit Limit {$9800.00} Available Credit {$6600.00} Statement Closing Date XX/XX/XXXX I have called the Wells Fargo Customer service on XX/XX/XXXX. I explained the situation. They processed my autopay for {$350.00} and they told me that the account now has XXXX balance. 
It is XX/XX/XXXX today. The XXXX interest fee is on my account to this day. 

I believe this is an example of a predatory practice that must not be allowed by law. 
I had full faith that my account will have XXXX balance on XX/XX/XXXX as it should have been if the company had not stopped my autopay without notice.
Consumer complaint received 2021-04-05
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: EQUIFAX, INC. (MO)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-04-05
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-05
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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-04-05
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: SYNCHRONY FINANCIAL (TX)

Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  Account XXXX  XXXX  Account XXXX  XXXX  XXXX  XXXX/XXXX  Account XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  XXXX XXXX**** XXXX  XXXX XXXX XXXX**** XXXX  XXXX  XXXX**** XXXX/XXXX  XXXX**** XXXX  BANK XXXX/XXXX  XXXX  XXXX**** XXXX  XXXX****
Consumer complaint received 2021-04-05
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: AFNI INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... AFNI ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-05
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: FIFTH THIRD FINANCIAL CORPORATION (NC)

On XX/XX/2021 I submitted a dispute in regards to Fraudulent items that have appeared on my XXXX and XXXX credit report. XXXX and XXXX  has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my XXXX XXXX Credentials and my Law Enforcement validation of my claim. After doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : Fifth Third Bank NA Account # XXXX
Consumer complaint received 2021-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

I received a letter from a debt collector XX/XX/XXXX stating I owed {$3000.00} for charge with Synchrony Bank for a purchase from XXXX XXXX XXXX. I never heard of this prior and did not see anything alarming on my credit information by my three credit accounts through XXXX XXXX, XXXX XXXX and XXXX. I sent a return certified letter requesting more insight for this alleged charge. XXXX XXXX XXXX returned a few statement copies reflecting my name with the address of a XXXX XXXX XXXX  about thirty miles away from my current residence. I did own a home nine miles from that area until XXXX, but it seemed coincidence. 
Today, XX/XX/XXXX, I looked deeper into the XXXX XXXX credit information with TransUnion that indicated there was a credit inquiry by Synchrony Bank on XX/XX/XXXX. It was about the time I made a purchase from CARID for tires and wheels for $ XXXX I actually took a three payment offer through Affirm that was paid off early. Originally I thought the whole ordeal was taken off my name only, but now that I see the bank made a connection on my SSN, this is deeper fraud including identity theft.
Consumer complaint received 2021-04-05
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: Phoenix Financial Services LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ... PHOENIX FINANCIAL SERV XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-04-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NV)

I opened an account with Gemini 2 months ago and submitted all identification forms and deposited money and bought crypto. I was verified then all of a sudden it says not verified and wont let me withdraw my own money thats on the app. Ive tried emailing. Calling. Tweeting and nothing. I want my money back this is a scam. I will be warning everyone about this. 
XXXX XXXX XXXX
Consumer complaint received 2017-05-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (WA)

This is the message that Chase Bank sent me yesterday  XXXX   XXXX     2017  and they said that they were going to still charge it even this was done before the account was closed advised account was closed they would send me a bill I paid the overdraft from this account and here 's what it said I will attach a copy of letter
Consumer complaint received 2024-03-16
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: EQUIFAX, INC. (NJ)

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 2021-04-02
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc (TX)

On XX/XX/XXXX I made a purchase for a toilet from home depot for a toilet totaling {$370.00} including installation and shipping fee. However, the toilet was never delivered. I made XXXX XXXX aware of this and they had started a refund for me. They initiated the refund in XXXX payments, the first for {$130.00} and I received this on XX/XX/XXXX, the second payment was {$170.00} on XXXX XXXX that I never received, and the third was for {$59.00} and I received this on XXXX XXXX. All three receipts are attached. The purchase was made online through my paypal account that is connected to my credit card with XXXX. Since then, I've tried contacting both XXXX and XXXX of which both deny knowing where the money is. They refuse to help me any further and made me liable for a toilet that I've never seen. I'm a struggling student trying to make ends meet and I saved for along time to have enough for this purchase. I now have {$170.00} disappear into thin air because they somehow lost my money through their online process. I wish there was something we as consumers could do to protect ourselves from companies that use these receipts to basically deny us of any claim.
Consumer complaint received 2021-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, XXXX said he was unable to finance on his own and refused to assist me. I assisted XXXX in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due XXXX  days then XXXX  days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX XXXX  to assist me with this issue. XXXX is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my XXXX credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Consumer complaint received 2021-04-04
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. (GA)

All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint.

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.
Consumer complaint received 2021-04-03
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: EQUIFAX, INC. (CA)

There are 12 accounts on my credit report that are not mine they are part of a identity theft case that I am going thru I have reached out to the three bureaus regarding this I have reached out to the furnishers and yet nothing there. I have opened an FTC report regarding this I spend days writing letters and getting on the phones to reach the furnishers and bureaus I am getting tired of this run around I need these accounts off my credit report. 

Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : US DEPARTMENT OF EDU Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Good Morning, My understanding around re : federal student loan payments, is that I am allowed the option to apply excess payments to the principal of my loans. 

I have Stafford and Graduate Plus Loans through Great Lakes, for my graduate school loans. 

Prior to the pandemic, I did not often have the opportunity to make excess payments to my loans. At this time, I understand my loans to be in forebearance, due to the federal order. I have begun making excess payments on my loans. However, Great Lakes does not allow for the excess payments to be applied to anything other than the interest, if there are loans with interest. I've noticed their website specifically states that excess payments must be applied to the interest first, then the principal. 

Please help clarify this situation. Have I misunderstood the law? Or are they blatantly being allowed to violate the law in plain site without repercussion? 

I have attempted to contact them through their Contact Us service. I do not have the time to call, as I am a XXXX XXXX, on a XXXX XXXX XXXX, embedded in a community hospital, and we have been swamped. I have not received a response.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

I am once again writing to CFPB about ongoing changes to my account. 
First, let me say that I have been paying this account from the beginning and more recently, although we are in a financially destructive pandemic, I have not missed one payment. I have still paid the full amount of my monthly bill, and at times paying over the required amount. With this said I am still incredibly inundated with added fees.

Second, I have always paid my own property taxes and home owners insurance. I have written and provided Select Portfolio Servicing, inc. with the required documents requested. Although this document is on file at Select Portfolio Servicing , inc, I am still being charged a monthly fee to pay property taxes. I have also not lapsed in my homeowners insurance even when switching to a better insurance servicer. When the residential taxes and insurance are paid by me, the fees are not taken off. This has been happening for years.

Third, a Select Portfolio Servicing, inc. representative went so far as to divisively pay my property taxes even though Select Portfolio Servicing , inc. has on file that I pay them myself. When Select Portfolio Servicing, inc. found that the XXXX XXXX department would not return their duplicate payment, Select Portfolio Servicing, inc. charged me the unreturned payment.

Fourth, I am consistently charged other fees that are not explained on any billing invoice.

Fifth, I am being charged a fee that fluctuates each month I make a payment and appears as a late fee. This fluctuating fee is posted although I have paid and continuously paid from the beginning, on the last day of the month. I GET THIS FEE EVEN AFTER CONSISTENLY PAYING DURING THIS PANDEMIC AND HAVE NOT MISSED ANY PAYMENT.

Sixth, when I pay extra on the monthly payment it seems to vanish and I do not see any of the extra payment listed. But Select Portfolio Servicing, inc. fees are always posted and clear without explanation. 
Please see all previously attached documents as this is an ongoing issue. 
Awaiting Your Response, XXXX XXXX, Physicist/Instructor Retired Account # XXXX XXXX
Consumer complaint received 2021-04-04
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. (GA)

All 3 credit reporting agencies are reporting an account from XXXX XXXX XXXX that Ive disputed and asked to validate the debt on. 
I have asked them to provide the original contract with my signature on it - the creditor could only provide me a fraudulent contract that had Copy stamped on it with the words e-signature on the contract. This fraudulent piece of information had on it information that I never provided the company nor would I have signed including # of car payments and # of mortgage payments I had left to pay - this company pulled my credit report and tried to create a contract to submit for validation because I requested it. The credit reporting agencies are supposed to protect me and do the due diligence needed to detect fraud and in this case have not done so. I have numerous complaints written to them including XX/XX/XXXX and XX/XX/XXXX. I would also like XXXX XXXX XXXX investigated as they DEFINITELY are breaking the law and even tried to sue me based off of this same fraudulent contract - and the judge threw it out. I understand that I can only complain about 3 companies at a time on this complaint. 

I sincerely ask for your assistance in figuring out what the credit agencies have done about this as well as how XXXX XXXX XXXX keeps its records and reports its debts. 

Thank you.