davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-24
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. (MO)

Equifax ; XXXX and XXXX are reporting incorrectly late on the XXXX XXXX   XXXX accounts. ( Please see pages 4 6 attached from my credit report, along with a spreadsheet outlining account numbers. ) These student loans are in deferment. I have attached a copy of the letter from XXXX XXXX dated XX/XX/2019 verifying an Administrative Forbearance on these student loan accounts. This incorrect reporting of late on these accounts is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove these items however, I have not been successful.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On XX/XX/year>, I sent out a dispute letter to Equifax, XXXX and XXXX enclosing my ID and Social Security Card. I received a letter from Equifax dated XX/XX/year> requesting additional vital documents such as ID and social security card for my request. These documents were enclosed with the disputer letter sent on XX/XX/year>. 

I also received a letter from XXXX indicating that my dispute has been verified previously, however, I have proof of whom they say verified the letter is in fact untrue. XXXX did not do another investigation per request. Proof was also submitted with dispute letter. 

I also sent in additional documentation received from US Clerk of Court regarding bankruptcy listed on my credit report. I requested Equifax, XXXX and XXXX do an investigation due to the enclosed letter indicating the court does not report to credit bureau 's.
Consumer complaint received 2019-05-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I am filing this complaint because my husband and I had a joint checking account with Capital One. The joint checking had a reward program which Capital One no longer offers anymore. Capital One was supposed to send a check in the mail to us regarding the reward program. We did not received anything regarding this reward program. My husband place a called and spoke with a representative they told him that it was mailed to a XXXX XXXX address. Prior to this phone call with Capital One allegedly mailing this off my husband had change our address two years prior to mailing it off and they could not explain to us why they mailed to an address that we no longer live at. The representative was not sincere in the matter and could not rectify the situation. At this point we felt that Capital One has bamboozled us and lied to us about mailing something they never intended to mail in the first place. Yes we know the account with Capital One was left in the negative but we still want to know what happen to the money that was supposedly mailed off that we never received.
Consumer complaint received 2019-09-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I started the mortgage process with Chase bank. I supplied all the documents they asked for and was told that they had all the documents they needed to close on XX/XX/XXXX. The closing date was scheduled for XX/XX/XXXX. On Friday XX/XX/XXXX at XXXX XXXX I was told that they needed additional documents and they would be pushing back the closing to Wednesday XX/XX/XXXX. I immediate supplied the documents. I was in contact with the loan officer all day Monday XX/XX/XXXX. I was told at XXXX on Monday XX/XX/XXXX that I was not getting the loan. The reason was that I have a ira account and they want verification that I have access to 100 % of the money in order to give us the loan. I am XXXX and my husband is XXXX, we are living off of our 401k money until we are eligible to take our IRA with no penalty. I have substantial savings more than enough to pay for this loan without the IRA money. I asked them to apply the 20 % penalty and amortize the money and they said they could not. We would have to have access to 100 % of the money. 

We were very upfront with our finances. We should have not been able to proceed if they knew this was the case. It was very unscrupulous to wait until the closing date to tell us we could not get the loan. 

I am making a case for age discrimination, since I am not old enough to take my IRA without penalty and I was denied a home loan because of this. 
They had no problem taking XXXX from me to process a loan they had no intention of giving. 

I am losing this house, my earnest money and all of my expenses.
Consumer complaint received 2019-09-24
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-CLOSED ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$0.00} -This is not my account.
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Well my problem is I had a pre paid secured credit card. That i put XXXX dollars down to open it. An then i went to XXXX for XXXX. An when i got released I went to wells fargo that ive banked with since i was like XXXX an they told me they have closed my account due to falliar to pay my credit card bill while i was in XXXX the amount owed was like XXXX so they took my XXXX deposite an sent the XXXX somthing to collections. An i was XXXX from XXXX to XXXX pretty much. An when i tried to pay it they told me i needed a visa debit card with my name on it an that has beenalmost impossible to get cause XXXX  XXXX XXXX has me in XXXX XXXX for frauding them when Inwas XXXX an the bank i tried to get a saving account at said that it was wierd im in XXXX XXXX for frauding XXXX  XXXX XXXX but it didnt say for how much so he said that was strange an i might want to get a hold of your company to help me with my issues that someone has obviously cause me while i was in XXXX  I did have my wallet stolen out my car with my SSn an Id card in XXXX. So i dont know what to think or due an on top of it in XXXX I had an apartment that i moved out of an people broke into it an squated for 90 days mean while i was in a hotel an my complex manager saw me move out but still gave me a unpaid eviction even thow I was already out of the apartment that complex had more people squating inother. Apartments besides the one I was paying for on time every month ansome months id pay it like 3 weeks earlie never late does that sound like someone that would get a unpaid eviction on there credit report .So I need my XXXX XXXX XXXX fraud issue taken off XXXX  XXXX an I need that wells Fargo account opened so that intrest rate on that XXXX I spent that they didnt eventell me about taken off my report. I can provide dates were I was in XXXX or XXXX when most of this stuff happened.
Consumer complaint received 2019-05-01
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. (FL)

I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX  on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX  is finally reporting settled XX/XX/XXXX and closed. XXXX  and Equifax are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (GA)

I do NOT have a debt problem, nor have I ever had one. Within the last 4 days I have gotten 3 calls from this scam company by the ERC Research ; I received a call on a Wednesday after ( XXXX ; XXXX ) ; another on Saturday ( XXXX ; XXXX ) and Monday ( XXXX ; XXXX ). Their number has been pegged numerous times on XXXX notes. I would appreciate if you could eliminate these aggravating people from calling ...
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

i have been told that I have a " credit freeze '' by those whom I am seeking credit from. I have called the bureaus and spent countless hours only to be hung up on. I am not able to unfreeze my credit by contacting any of the 3 bureaus. I need my codes to get my credit or my credit unfrozen pronto.
Consumer complaint received 2023-01-27
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the Experian and XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXXXXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2900.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$2300.00}.
Consumer complaint received 2019-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MA)

I see an UNKOWNN Collection item in my credit report. I see incorrect details such as missing payment history, terms, credit limit, etc. Actually, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

We were in a chapter XXXX bankruptcy and found that our lender had derogatory notations on our credit report. We reaffirmed our mortgage with XXXX XXXX after bankruptcy and they didn't report it to Trans Union because we had made a complaint. After over a year and a complaint to the CFPB they placed our mortgage back on my husbands credit report They will not place it back on to my credit report Please help me I just dint understand why-three of the credit reporting agency 's have fixed this but XXXX XXXX refuses to contact trans union and report my mortgage correctly Is their anything I can do Not reporting my mortgage is negatively affecting my ability to obtain credit and my credit score
Consumer complaint received 2017-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (ND)

All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to  various debt collectors, employers, financial institutions, and a host of others.
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo is my loan services. I have never missed a payment. After ten years the majority of my payment still goes to interest and not the principal. There are months that my {$1600.00} payment is not credited in full for either principal, interest or escrow they will credit {$2.00}. Im wondering where my payment is going? The reason is because Im in the XXXX XXXX know your options program which is for struggling homeowners facing foreclosure. Wells Fargo has a history of fraudulent practices with their customers. I have never expressed any communication with them about struggling or trouble paying my mortgage. Where are my payments going? Why is the full amount not credited at times? What is the other category on my statement and why is money going there? Why am I in a program for pre-foreclosure with my lender? Why is the majority of a full payment still going to interest and not principal? 

These are my concerns and I never get straight answers from Wells Fargo please help
Consumer complaint received 2019-09-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

On XX/XX/2019 I reached out via Certified Signed Tracking mail advising copy to mail me validation of a so-called debt in which this company has re aged reporting on my credit files this company had 30 days from my letter and has refused to validate There claims I advised this company under credit Reporting Act section 1692g that I have a right to a legal form of debt violation I asked this company to stop reporting this illegal debt on my credit files and they have refused this company is reporting false incorrect balance amounts, false Ownership of this debt, reporting a Re-aged debt I called this company on XXXX at XXXX XXXX spoke with a supervisor and that supervisor advised me that the account had a Cease and Decease action report in there system however this company has neglected To advice the Credit Reporting agencies To remove this account
Consumer complaint received 2019-09-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (AZ)

Case XXXX In response to the written letter received by Discover : Discover card did not bother requesting updated information concerning the name discrepancies. I'm requesting that Discover change my name to XXXX XXXX on both accounts ending in XXXX opened XX/XX/XXXX and account ending in XXXX opened XX/XX/XXXX. 

Military Lending Act/SCRA - It is required that Discover charge a max rate of 6 % and requesting a refund of interest charges from XX/XX/XXXX - to date. 

XXXX  XXXX score - My social security number is the same under both names and Discover is required to provide accurate information therefore by engaging a third party to provide relevant information should be researched on their end not sending me back to the third party providing the inaccurate information. 

Please provide a written response to my mailing address
Consumer complaint received 2019-09-24
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. (CO)

Experian keeps putting a negative statement in my profile. I have called them on a recorded line as I record all my calls and they assure me that the statement will be taken off then they put it back on. These XXXX  dont realize that I will keep filing a complaint as long as I have to until the statement of dispute is removed. I have never disputed this account. The account is closed and handled by a 3rd party company and payments are in good standing so why would I dispute. I think they pick random accounts to place negative statements on. They are violating the FCRA.
Consumer complaint received 2019-09-24
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. (SC)

Second Request : I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 
This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2019-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Sunday, XX/XX/2019. A man from XXXX contacted me that he could help me financially. He claimed that he wasn't a scam. The guy willingly sent me his drivers license to show he was real .But in order for him to help me I had to send XXXX $ via paypal to verify I was real and he would then reimburse my money. Once I sent the man the money through via XXXX he blocked and deactivated his account on twitter. The man was completely a fraud. I reached out to XXXX company about the issue and XXXX denied my dispute and said it was not protected under so called " buy protection ''. I've even tried to contact the man via email through paypal but he has not responded. I just want my money reimbursed.
Consumer complaint received 2024-03-07
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: EQUIFAX, INC. (FL)

I am formally filing complaint regarding inaccurate information on my credit report, specifically concerning two student loan accounts that do not belong to me. I believe that these accounts have been mistakenly associated with my credit profile, as I have never attended school and have not applied for any student loans. I am attaching copies of my updated XXXX XXXX XXXX, which clearly show the two erroneous student loan accounts in question. The discrepancies on my credit report are causing significant harm to my creditworthiness, potentially affecting my ability to secure loans, housing, and employment opportunities.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

In XXXX XXXX XXXX, I came to find out my income tax return was deposited into a fraudulent account. I contacted the IRS and set up an appointment. I went in on that following Tuesday to the office in XXXX AR where a trace was enacted and I was told to go to the Bank of America with the account number where the returned to. I went into the Bank of America where I met with a vice president and was told to contact my tax preparer while in his office I contacted XXXX XXXX XXXX, and she gave us the name of the Person who received my return. I met with the lady on that following Saturday at the Bank of America in XXXX TN on XXXX XXXX. Where I along with the tax preparer, XXXX XXXX XXXX and a banker talked about what transpired/ I was given a screenshot of the deposit going into the account. No one stopped her from leaving called law enforcement or anything. I contacted the police because I thought it was a scam with the recipient and the tax preparer. I contacted a tax advocate and {$840.00} dollars was confiscated from the account out of {$12000.00} I should have received. If the bank had followed guidelines set in place by the US government to prevent this from happening it never could have happened, so they are just as at fault as the person who entered the wrong account number.
Consumer complaint received 2019-09-24
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: Experian Information Solutions Inc. (NJ)

I have been trying since early XX/XX/2019 to remove all open disputes and remarks from my credit file. Just last week experian said it was done. I then called XXXX days later to confirm and was told yes it was complete. I gave permission for the mortgage company to run my credit only to find that the disputes are still there along with remarks. 

Of course my score is now dinged with an inquiry which would be fine if this hasnt been a cycle of more than XXXX days. It is nearing XXXX. This is absurd that a company can make the same mistake and punish the consumer by dropping their score. 

Its inhuman and should be illegal.