davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-04-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I got hurt at XXXX due to poor training I got XXXXXXXX XXXX XXXX to my XXXX they forced me to go to dr I filed workmans comp they then did a fake in house investigation and tried to blame me. But even if it was my fault as it was not they told me to not worry about the debt that the company would be reliable for the cost since they took me to hospital! They lied I received a bill XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and was lied on I was hurt on the job! Wakefield associates are liars I want off my credit NOW or I will be suing
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the public record item below. It has been removed and replaced. I am requesting it be removed from my report pending a thorough review.PUBLIC FILINGS	XXXX XXXX XXXX XXXX inaccurate
Consumer complaint received 2024-04-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (LA)

XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

Contact to remove all 3 people off my CCs as Authority Users. Please see below XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Also make they are not being reported to the credit reports anymore
Consumer complaint received 2023-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the fair credit reporting act XXXX  account XXXX XXXXXXXX, has violated my right. There are late payments list XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

15 USC 1681 Section 602 states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-07-18
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. (GA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY (PA)

Account number XXXX Company name : Wells Fargo I am writing to urgently file a formal complaint regarding the ongoing inaccurate reporting of my credit information, despite the conclusion of a class action lawsuit against Wells Fargo on XX/XX/XXXX in which the plaintiffs one the class action lawsuit against Wells Fargo. As a result thedeficiency balances, and trade lines of all the parties involved in the class action lawsuit should be removed. It is imperative that immediate action is taken to rectify this situation as it is severely impacting my ability to secure new employment opportunities and maintain financial stability. Despite the completion of the lawsuit, my credit reports continue to display trade lines associated with Wells Fargo, along with outdated information regarding deficiency balances. This persistent misinformation is not only erroneous but also unjustly hindering my efforts to advance professionally and provide for my family.In accordance with the Fair Credit Reporting Act, I demand that all inaccurate and obsolete information related to Wells Fargo be promptly removed from my credit profile. This includes the complete removal of the Wells Fargo trade line and any associated data, as it is imperative to restore the accuracy and integrity of my credit history.The repercussions of these inaccuracies extend far beyond mere inconvenience. They are actively impeding my ability to secure employment, meet financial obligations, and pursue opportunities for personal and professional growth. Time is of the essence in resolving this matter, as every passing day further exacerbates the adverse impact on my life and livelihood .I urge the Consumer Financial Protection Bureau to expedite an investigation into this issue and take immediate corrective action to ensure compliance with federal laws governing fair credit reporting. Furthermore, I request assistance in mitigating the harmful effects that these inaccuracies have had on my financial well-being.I implore you to recognize the urgency of this situation and provide swift resolution to alleviate the unjust burden placed upon me. Your attention and intervention in this matter are crucial in restoring fairness and accuracy to my credit reports.Thank you for your prompt attention to this urgent matter. I await your swift response and resolution.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

Amex Gold card had a sign up bonus of XXXX membership rewards points after spending {$5000.00} in the first 3 months. Spend requirement was met but Amex did not issue the promised bonus. When contacted Amex lied and said the cardholder had already earned the bonus. When asked to give the date and last 4 digits of the card that earned the bonus for this cardholder, Amex could not. The supervisor also could not come up with a legitimate reason to not issue the bonus yet Amex still did not. Amex also did not state while the card was opened that the cardholder was not eligible for the bonus as they claim they do with others. Any excuse they give should state the date that policy was implemented. Stating something that is policy today but not policy when the card was opened is irrelevant. I hope Amex does the right thing but it seems like Amex has become really shady in issuing bonuses and anyone reading this should consider of card options before rolling the dice with Amex make it seem like they do not care about their customers or their reputation.
Consumer complaint received 2019-09-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Bank ( operating the Lowe 's credit card ) is forcing me to decide if I want my Lowe 's credit card statement by US Mail or by email, but will not allow me to receive both. 

If I choose to go with the 'online '' bill , are my consumer rights altered? In other words, the US mailed billing statement vs. an online statement are technically not the same thing. So are present consumer protection regulations with regards to credit card account billing specific to requiring that the bill be sent by US Mail? 

And if the latter is true, Synchrony did not disclose this change in my rights ( a reduction in my rights ) in the original email telling me I was going to be switched to paperless billing ( on-line billing ; i.e. a monthly email ). 

So that is complaint # 1. 

I chose to stick with US Mail ( printed bill ). I had to click on a link in the notice, described above. When I did I was taken to another web page where I was told : " [ you ] ... will not have access to your statements online. '' At 29.6 % interest rate on this card, Synchrony can not afford to provide BOTH US Mail and online statements? 

So that is complaint # 2 I attach a copy of the original email notice and a copy of the screen shot from when I opted to continue with paper billing.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you donot validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-15
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)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILDSUPPORT XXXX CHILD SUPP XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened an XXXX  XXXX XXXX XXXX Credit Card from Bank of America in XX/XX/2024. The Bank of America application page does not mention that the annual fee of {$95.00} will be charged right after opening the credit card. I opened the credit card, assuming the yearly fee would be charged on the 1st anniversary since the date of the annual fee charge was specified on the application page. Also, by pressing the " terms and conditions '' link on the application page, there is no way to find that the annual fee is charged the first month after opening the credit card. The " Annual fee '' tab says {$95.00}, without referencing what would occur in the first year rather than the one year since opening the credit card ( as I thought ). I do believe that is utterly misleading advertising. I opened the credit card thoroughly convinced that the annual fee would have been charged one year after opening. I contacted Bank of America, and they refused to waive the fee for the first year. 

Californias False Advertising Law Californias False Advertising Law ( FAL ) prohibits any company or individual from making false statements or statements likely to mislead consumers about the nature of a product or service. The FAL often overlaps substantially with the UCL. 

Californias Consumers Legal Remedies Act Californias Consumers Legal Remedies Act ( CLRA ) prohibits unfair marketing practices, including misleading labels, vagueness, and outright deception. The CLRA doesnt prohibit all types of false advertising but only applies to a specific list of enumerated violations ( such as false designations of geographic origin ).
Consumer complaint received 2024-04-03
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: FISERV INC. (CA)

I would like to seek your help for the unemployment insurance benefit. Since XX/XX/XXXX, the CA XXXX changed the XXXX benefit card to money network, I submitted two claims XXXX and XX/XX/XXXX and all approved ( {$1800.00} ) but I never received the benefit card. I was able to talk to customer service of money network on XX/XX/XXXX and was told my card was stolen and all the money was taken from ATM. And was told by customer service she would close my account and refund me after I fill out the dispute form. After that, I was never able to connect with money network and it is like they changed the system, which requires me to put in card number before connected ( Given I never received the card, how can I put card number? Did money network intentionally do this? ) Both phone numbers of money network provided by XXXX website are useless. Please also note that the phone number provided in the attached file is also useless because whenever I called, I was always told they are different department. 
You could also see how they solve the issue from the attachment. They sent me a mail by claiming they close the dispute case but without solving the issue and refunding me money. 


It is very frustrating for me to deal with the issue while losing job already. Please help me to get the unemployment insurance back. Money network is the worst business and should not exist.
Consumer complaint received 2023-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

I purchased this house with maximum financing at 95 % LTV. I then sold my previous house and used the proceeds from purchase of previous house to paydown/modify the initial loan amount for my new purchase. Wells Fargo then paid down the balance and modified my monthly payment but continued to charge me for the monthly mortgage insurance payment after I requested for them to cancel the monthly XXXX XXXX mortgage payment for the initial loan balance that was used to purchase the house after I paid down the mortgage balance owed being well below the 78 % LTV making the modification. After selling my previous residence, i modified my previous loan balance to under 78 % LTV and requested my monthly mortgage insurance to be canceled. Wells has charged me monthly mortgage insurance payments since i requested for it to be canceled since the modification payment was made. When I paid down the loan amount to below 78 % ltv, I requested the monthly mortgage insurance to be canceled. I recently noticed Wells has been charging me for monthly mortgage insurance since paying down the balance to below 78 % LTV and I have tried requesting a refund from wells but they stated in a US mail correspondence that I did not request the mortgage insurance to be cancelled and they do not owe me a refund. This is ridiculous. I have XXXX  years in mortgage banking experience and requested the the monthly XXXXXXXX XXXX XXXXXXXX to be cancelled when I paid down the balance. They owe me for the excessive PMI payments, I have record of my monthly MI payments yet Wells says I did not request the monthly PMI to be dropped when I I went below 78 % LTV but I did request for the monthly PMI payments to be dropped, they just never did. It took  XXXX years to learn they did not drop the monthly PMI payments, when I noticed and brought it up to Wells, they said I did not request for the PMI payments to cancelled when I paid down the balance but I did request for it to be dropped. I am a mortgage professional that had to close down a family owned mortgage company due to XXXX restrictions and not knowing if a bank could buy the loans we were selling. I feel Wells Fargo is not providing the fiduciary responsibility they owe me as a loan servicer. My calculation, they owe me roughly {$1800.00} in excessive monthly mortgage insurance payments that were not needed. Please contact me at XXXX and leave a message if you have any questions about this request for refund from wells as I have tried to talk to someone from wells twice but all they do is mail a response even after requesting for a call and voicemail from someone that can provide answers to the questions I have. 

Thank You, XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

My Bank of America account has a negative balance of {$35.00} from fees only, not from overdrafts. I want to close the account, but Bank of America will not let me close it while it has a negative balance. They have frozen my account so that I can not add money to bring it back to a XXXX balance. Repeated attempts to close the account have resulted in more than XXXX XXXX  on the phone with no resolution. I live on XXXX XXXX and there is no local Bank of America branch here. I have an email stating that the account has been closed, but I just received another statement with a negative balance that is increasing. I just want to close the account because I had the account for years and never used it, but still they drained hundreds of dollars in monthly maintenance fees. Once I became aware of the fees and reached out to them, they did not offer me a no fee account. I just want to be done with this Bank. They are not helpful and they are predatory in my view.