davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

XX/XX/2020 To whom it may concern : I have a credit score of XXXX with XXXX, XXXX with XXXX  and for some reason XXXX with XXXX, i get transferred around nothing gets done. 

For one i spoke to several representated and people in documents they claim i can't get my score over the phone. I got turned down for a car they stated my score is showing as XXXX even lower. 

So what i think is happening is if my score is actually higher with Exquifax the  information is not being distributed correctly and shared. I pay XXXX with XXXX  for all 3 reports its showing XXXX and XXXX as my score. I have worked very hard to get my score over XXXX and continue on to XXXX and XXXX but i keep getting turned down because of faulty information being reported from Equifax. 

They say nothing is wrong but 3 different places sent me a letter showing my score as XXXX with equifax so common sense tells me, that what they see at equifax may be  higher but its not showing to companies and individuals requesting my credit score so something needs to be done i can not be 129 points lower than the other 2 credit bureas that is not possible. I have 5 posiitive accounts going on every month so there is no way my score can be XXXX. 

Finally i was told to order my score and report thru www.equifax.com and get the paid version XXXX i tried that and the questions they asked me were not accurate, i never heard of 2 of them and so i was denied access, can they please update my questions they asked me first question about some mortgage loan i had i never had a mortgage so i keep getting this question wrong, these questions need to be updated, its like there version is very very old, when im on the phone with a rep i pass the questions they are current but the ones online are inaccurate and im unable to get my score. 

I am beyond frustrated with equifax and need some answers and for them to update the questions and I have an account car with XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  with positive reports every month, People requesting my credit score are seeing scores of XXXX. I also had an old landlord XXXX XXXX who is not permitted to get any information on me. I should not have any freezes or frauds on there i thought maybe that is why nothing is updated. 

Fix this score error we all see I copied and pasted this i see online for my equifax score. as follows : 300 850 Poor 300 - 579 Fair Good Very Good Exceptional XXXX Learn more Equifax dataXX/XX/2020. 
Equifax XXXX Score XXXX  based on Equifax data as ofXX/XX/2020Your score is well below the average score of U.S. consumers and demonstrates to lenders that you are a risky borrower. 

Please assist me with this matter. 

Regards, XXXX XXXX XXXX, XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX social is XXXX XXXX
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/22 I called my credit card company to increase my credit limit. My card was paid off and I havent been late in making payments. They denied my request anyway.
Consumer complaint received 2020-04-11
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. (PA)

Social number XXXX I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX {$680.00} Opened XXXX XXXX XXXX {$4700.00} Opened XX/XX/XXXX XXXX XXXX {$1600.00} Opened XX/XX/XXXX XXXX XXXX {$120.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$810.00} Opened XXXX, XXXX XXXX {$490.00} Opened XX/XX/XXXX XXXX XXXX {$880.00} Opened XXXX, XXXX, XXXX XXXX   XXXX XXXX {$0.00} Opened XX/XX/XXXX XXXX
Consumer complaint received 2020-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (MD)

Three complaints : 1. The online access to my account at Wells Fargo was blocked due to unusual activity. Calling them to find out what the issue was, I was answered I had to ID myself personally at a branch. I explained I was living overseas, and the polite lady answered there was nothing she could do. 
2. No online service? OK, I tried the old fashioned way : On XXXX I faxed a funds transfer instruction ( which is a valid substitute for a check ), to the XXXX XXXX, XXXX , MD. , branch. It was not executed. Calling the branch, I was explained I had to ID myself at a branch. So now even a signed instruction is not good enouth. 
3. What to do? I decided to complain to Wells Fargo HQ, and emailed them ( today ) my issues, adressing it to the email adress showing on their site ( XXXX  ). 
And guess what - they wouldn't accept messages. It was returned to me undelivered.

These are my three issues. Thank you for your help.
Consumer complaint received 2022-12-28
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

Hello and thank you. 
I made extra payments on my student loans for 2019. I called numerous times to have the excess payments applied to principle. I received my annual 1098-E to submit with my taxes and was told I paid {$12000.00} in interest last year. I emailed them more than once to correct the errors. I've called almost daily during my lunch breaks and have held for over 45 minutes without anybody ever picking up. Can you help me?
Consumer complaint received 2020-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A. (OH)

XXXX XXXX XXXX of Keith D. Weiner & Assoc. CO.,  L.P.A. was collecting a debt for XXXX XXXX XXXX. We had a settlement hearing where I was supposed to pay 50 % of the debt, but the above party backed out of the agreement. The court ruled in there favor in the amount of {$4100.00}, and that was paid according to XXXX XXXX XXXX   XXXX XXXX on XX/XX/2020. The above party added another {$1700.00} to the already paid debt, stating to XXXX that this was interest, which is impossible. A hearing was held and I found out the the court holds the payment before sending it to the party above, and the crazy part about it, they still are adding on interest, weekly, biweekly, etc. But they know the court holds the money, so that is where the payments were held for at least about 4 to 5 months. Another hearing was held for me to dispute the {$1700.00}, and at this hearing it was found that only {$230.00} was owed from the illegally added on interest, which was paid on XX/XX/2020, but the court Sustained the Garnishment out of spite because I challenged them, and said they were running a scam. I work for the XXXX XXXX, I am a Veteran and a former XXXX XXXX  XXXX, and I know for a fact what the party is doing and what the court is allowing is fraud. I am sure this has been going on for years and no one has called them on it until now, and I am being punished for speaking out against the XXXX Court of Common Pleas in  XXXX Ohio. I need assistance regarding this matter as soon as possible, Case No : XXXX, thank you.
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (OH)

I became aware of a fraudulent Chevron/Synchrony credit card when checking my credit scores late XX/XX/XXXX. Contacted Synchrony and alerted the Credit Reporting Agencies. Over the ensuing months, I would receive a statements from Synchrony that they completed an investigation and that I benefited from the transaction. Each time I requested that an invesitgator call me so that I could go over the details ( which were obscure in the beginning ). 

To this end : -no statements were ever sent to the house ( although the account had been opened more than a year -the account was opened using an address that I had moved away from over 20 years ago - the largest purchase was at an auto parts company in Delaware - {$3100.00} and {$4900.00} ( I live in Ohio and haven't bought auto parts in decades ) -email for the account does not match any that i ( or my wife ) use -our phone numbers were not the same as the ones on the account -I have a top credit rating and routinely pay in full on balances much larger than this one Dates : XX/XX/XXXX : became aware of fraudulent card - letter sent by Synchrony stating investigation completed and I benefitted from card XX/XX/XXXX : second complaint filed, request to talk to investigators XX/XX/XXXX : Synchrony sends form letter stating investigation is complete and charges benefitted me. No one has returned my calls Early XX/XX/XXXX : Third call ; somehow they have switched the number on the account ; Synchrony asked again for investigator to call XX/XX/XXXX : police report filed with the XXXX XXXX, OH Police Department ; copy sent and case number of the report emailed to Synchrony XX/XX/XXXX : Phone call with Synchrony - transferred to Specialist XXXX ; investigation reopened ; again pleaded that the investigators call about the glaring inconsistencies Mid XXXX, XXXX : Receive letter ( dated XXXX ) from Synchrony stating that a credit will not be issued for the {$11000.00} (??? ) XX/XX/XXXX : Spoke with XXXX from Synchrony who explained the credit and not to be concerned with it.
Consumer complaint received 2020-03-25
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXX {$9300.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY (CA)

Please review the information provided and understand that I am a victim of fraud and misrepresentation. I have paid the outstanding amount that was borrowed within the timeframe that was explained to me. Currently, I am experiencing hardship because I am located in a FEMA designated disaster area and I am asking for you to review this interest charge and waive it. My original purchase date was XX/XX/XXXX, when I spoke with the representative at the store I was assured I had exactly 12 billing cycles to pay off the balance before the interest is charged for the year. According to my last statement, the interest was charged on XX/XX/XXXX. My payment due date for the last statement was XX/XX/XXXX. The salesperson at XXXX has engaged in blatant fraud and misrepresentation of your terms and did not provide any documentation as we signed on the pin pad for the agreement. We were told the packet with terms and conditions would be mailed but it was never received. 
Given the situation, we were calculating the payments based on the promised 12 statement cycle period. The original purchase was XX/XX/XXXX which was included in the XX/XX/XXXX statement. We paid our XX/XX/XXXX statement in full. The statement had an expiration date for the promotion of XX/XX/XXXX which was 5 days before the end of the statement cycle. The statement did not specify we have to pay the balance before the statement actually ends on the XXXX. We spoke to multiple supervisors who were very rude, including supervisor XXXX ID XXXX regarding this issue and they stated that they did not care about misrepresentation, fraud, or the 12 statement cycles we were promised and did nothing to help rectify this situation. Please understand my predicament, this was a simple mistake based on the information provided by the salesperson and the lack of definitive payment due dates that are missing from your statements. Moreover, a check was mailed to their company on the XXXX of XXXX. I provided TD with the check number and all the details and they are claiming that my check was lost. How convenient for the company to lose my check and charge me 30 % interest. Also to be noted, when I signed up for the card, I was never given, read or provided any disclosures. I also have not received them later in the mail. I had to call the bank and ask for instructions so I may be able to make payments online at least because I didn't even have my account number. Moreover, the bank closed my account unilaterally ( presumably because their partnership with the store ended ) but I was never notified about that until I pulled up my credit report and noticed that the account shows as closed.
Consumer complaint received 2020-04-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

Today, i checked my recent statement and found my APR has not been changed since XX/XX/XXXX. I was acknowledged that recently prime rate has been moved down several times. I was surprised, because i thought i was quite good card user so far. So, I Opened chat customer service and asked the reason why my apr still remains same. The first agent, i talked with was XXXX. She said my current apr was evaluated by the factors of creditworthiness, payment activities, time of opening. After reading her words, I was confused, because i have been using this card since XXXX, im sure my credit is not bad, and i was a very good card user. But her words were like criticizing all mine of listed above. So, i wanted exact explanation for it. She kept replied me back she understood points of my inquiry and she would explain, but she just informed my current apr and that was all. even i couldnt see any apologize for her words before i asked her for it. I was bit upset, and requested her to escalate this matter to leadership and join her supervisor to existing chat. I need specific explanation for the next time. Some factors that i missing can affect my credit card activities, and i dont want affect my credit card activities. Her supervisor, XXXX joined the chat. Chatting with him was worse. He mentioned that my current apr is the one that lowered prime rate already applied. So i asked back, the reason why my apr moved to opposite side of prime rate. As prime rate goes down, then whole apr from lowest to highest move down as my knowledge, but in case of my apr remaining same, my apr went up for some reason. Then, he mentioned my onetime 30days late payment, and my current revolving balance lead higher apr. i didnt know even i paid late, but i knew that late payment fee can lead higher apr. however, i couldnt accept my current revolving balance ( 25 % from total credit limit ) can lead to higher apr. This was very new to me, paying in full does not accrue any financial charge, but not paying in full has been leading my credit card to higher apr so far. After pointing out this point, XXXX suddenly changed his words, and nothing affected my apr..and he said like i was asking lowering my Apr. I swear i didnt. Few days ago, i contacted amex for financial relief for the customers impacted by Covid19, for this time, i was just inquiring. He might told me like that as he read previous my request, and take care of my inquiries like asking lowering offer. I didnt request and i dont want it. If i have to pay apr, i will pay, he was out of point. As a result, i couldnt get anything from this chat. I apologized to hold the customer service team too long. However, id like to escalate this to leadership for lack of professionalism. I want to receive regarding this matter as letter. Thank you.
Consumer complaint received 2021-01-14
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 98 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 98 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along. 

I sent them the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Hello, To my astonishment and dismay, I noticed that your company is reporting information that just isnt true. It is also my concern that due to my VERY common name my profile is being merged with someone else profile in your system. In fact there are address on my credit report that I have NEVER even lived at. Therefore, I KNOW something has to be wrong and this must be a mistake. I dont claim to know everything but it is quiet weird that a multitude of accounts and a bankruptcy is on my report. Honestly, how does this even happen? 

If you check your record you will see that my address doesnt even match any of the alleged accounts. It is my request that you review the file you are saying is mine and take away the discrepancies. Below is just a few of the things in question. 


XXXX XXXX XXXX  XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/20 Status : Discharged Amount : {$0.00} Remove these Public Record from my credit file. I pulled this file using -Public Access to Court Electronic Records , and these DO NOT belong to me. It belongs to someone who have the similar name as I, wrong address because I never lived at the address shown, and false merging with my credit file. Nor does it show the full social security number so it is not a positive true match. 
The Fair Credit Reporting Act requires you to investigate and delete any and all inaccurate, incorrect, incomplete and/or invalid information. 

I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please DELETE this information from my file immediately. 

Thank You in Advance an Educated Consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2020-03-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

re : Bank of America, N.A. HELOC Initial Disclosure XXXX.BOA XX/XX/XXXX The Early Closure Fee is explained under " Fees and Charges ''. To paraphrase : BOA will pay our closing costs but if we close the HELOC prior to 36 months, BOA will charge us up to {$450.00} ( the " base fee '' ) plus any mortgage and government taxes, recording fees, and any closing agent or attorney fees BOA paid on our behalf to open the HELOC. In this section, it also states : " If you ask, we will give you an itemization of the fees you will have to pay to third parties. '' Our HELOC was approved XX/XX/XXXX. I asked for an itemization of the fees subject to recapture in the event we closed the HELOC prior to 36 months. I was told that we would receive an itemization of the fees subject to recapture on the invoice if and when we closed the line prior to 36 months, but not before closing. Applicable regulations only require BOA to disclose a cost range for third party fees prior to closing, but we argue that BOA set a higher ( and more transparent ) standard in its HELOC Initial Disclosure when it offered to provide an itemization of the 3rd party fees subject to recapture. Unfortunately, BOA failed to live up to the high standard it set forth in its own disclosure. Providing an itemization of the fees subject to recapture prior to closing would benefit both the borrower and the bank, even if not mandated by regulation. Borrowers would get to consider the cost of the third party fees before deciding to accept the loan. The bank would make the Early Closure Fee more transparent and generate fewer consumer complaints.