davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-04
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. (IL)

I filed a complaint with the Consumer financial protection bureau complaint ID XXXX filed on XX/XX/2021. The complaint was against XXXX XXXX XXXX reporting a collection and or charge off of {$97.00} on my Equifax credit report. I have disputed the information twice with Equifax, dispute # XXXX and dispute number XXXX Requesting the collection be removed from my credit report as the account has been paid in full directly to XXXXXXXX XXXX XXXXXXXX who is the original creditor. XXXX XXXX XXXX XXXX responded on XX/XX/2021 to my CFPB complaint with the following response : we have already updated the account information and have placed the instructions to have the account removed from Miss XXXX XXXX credit reports and we will send Miss XXXX  a letter confirming this deletion. I also faxed Equifax supporting documentation on XX/XX/2021 requesting the deletion. They have refused to remove this account off of my credit report. Equifax costed me issues with delaying my closing date of my new home as a result of this issue. I also called and told them that I was going to report them with the attorney general as well.
Consumer complaint received 2020-09-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION (FL)

My Regions Checking account was closed without my knowledge or consent. I went to the local branch as directed by the Customer service representative. The representative on the phone told me they did not have the ability to unlock the account, but I could go into the branch and have it unlocked. I went down to the local branch on XX/XX/2020, at XXXX XXXX. I asked why the account was being closed? The branch manager joins in on the exchange between the banker and myself. I was given no reason besides fraud/security put a hold on it, and Regions Bank no longer wanted to handle my accounts. I was told the bank account wont close officially until the XXXX of XXXX. At which time they would then send a check and it could possibly take up to a month. I had a balance of {$500.00} and had inheritance that was deposited twice a month to that account from Regions investment. I am glad to be gone from that bank, but why cant I get my sooner?
Consumer complaint received 2022-04-27
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: EQUIFAX, INC. (PA)

In accordance with the fair Credit Reporting Act, Equifax Inc. has violated my consumer rights by reporting a XXXX  XXXX XXXX. Pursuant to 15 U.S.C. 1681 SECTION 602 A ; I have the right to privacy : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' It also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 15 U.S.C. 1681B ( 2 ) " consumer reporting agency can not furnish an account without my written instructions ''
Consumer complaint received 2020-09-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RS Clark and Associates, Inc. (TX)

I was contacted by RS Clark and Associate about a debt that I paid in exchange for this being removed from my credit record. They never sent the document XX/XX/XXXX as promised and this is still on my credit report erroneously. An email was sent XX/XX/XXXX but I can not download it off XXXX website. There are no records only my bank payment to RS Clark which seem to no longer be in business. The account was # XXXX XX/XX/XXXX R S CLARK & ASSOCIATES XXXX TX XX/XX/XXXX for {$93.00}. 

Can you help me to get this off my credit record as per my agreement with RS Clark? I was never notified of this outstanding debt. Please assist. 

XXXX XXXX XXXX
Consumer complaint received 2017-12-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I called Equifax on XX/XX/2017, I spoke to representative XXXX, I explained to her that I have disputed two incorrectly reported tax liens. I tried to inform the agent these two liens ID # XXXX and ID # XXXX should not be listed on my report, they have been withdrawn. I called out to the number listed on my credit reports, and was told by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that they did not report this information to the credit bureaus. The representative XXXX was very rude and stated that she was not going to remove this item nor re-dispute it. I asked her if she could provide me with the name and contact information for the company that they are receiving the information from and she stated that she did not know who they received the information from and was unwilling to assist me. I asked her if I could speak to a supervisor and sh stated that the supervisor was going to tell me the same thing. I asked her again to speak to a supervisor and she stated that the supervisor was busy and that I will need to call back or leave a message. I have been disputing these two liens for the last seven months, and have yet to receive any information on how this is being validated and who is reporting this information, being that both courthouses stated that they did not report this information to credit bureaus.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC. (MO)

I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX if they try to file something. Whatever, I will go to court. I didn't make the loan.
Consumer complaint received 2021-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 50 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), 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 50 days so they should be deleted promptly.
Consumer complaint received 2019-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (IL)

We were contacted by US Bank via mail to let us know that we were eligible to have PMI removed from our loan account. We were told that if we paid {$100.00} they would send someone to do a home value assessment and that this was only a formality and we were at a 78 % LTV ratio. We went through the process only to find that this was not the case. The home was valued at $ XXXX exactly! which represents a {$3000.00} loss over a period of 6 years despite over $ 15k in home improvements, and put our LTV at 80.03 %. Just enough to refuse removal of PMI.This valuation is inconsistent with other recent valuations in our development. On further investigation at US Bank I uncovered that 80 % of these requests are rejected, according to employee XXXX. It is my belief that US bank is complicit in creating a false situation in order to either provide business for the company XXXX XXXX a XXXX XXXX company or they are attempting to " cover their bases '' in order to manage the risk on these loans in order to keep them packaged within higher grade traunches reducing risk structure for the bank.
Consumer complaint received 2022-09-18
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. (OH)

Fraudulent inquiries are on my credit report. Please have all fraudulent inquiries removed. 

Inquiry details XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.
Consumer complaint received 2022-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC. (IL)

On XXXX XXXX, 2022, Ally Bank instituted CoverDraft for checking accounts. CoverDraft is where they cover overdrafts, up to {$100.00}. It's a feature we've automatically added to Ally Bank Interest Checking Accounts. 

When CoverDraft is used to cover a transaction, you receive a notification from Ally with the transaction information, and a message saying that we typically don't let you make purchases or withdraw money from your account if it stays negative for 14 calendar days. 

My account was overdrawn on Wednesday, XX/XX/2022. I received an email from Ally that stated : We'll never charge you an overdraft fee, but you'll have to deposit or transfer {$50.00} to get your account out of the negative. 

Immediately after that message, I received an email stating my account had been deactivated and that a deposit would be required to reactivate the account. 

On XX/XX/2022, I received a {$150.00} direct deposit. My account remains deactivated and Ally Bank has yet to reactivate my account and has left me without access to my funds. 

Ally Banks CoverDraft is not only an inaccurate, ineptly unfairly applied policy, it is fraud.
Consumer complaint received 2018-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Please do add a fraud alert on my credit report. This is hurting me finding housing and purchasing a car. 

Things I asked you to delete you refused to acknowledge or delete. 

I did not request you add this alert.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank charged me in XXXX XXXX a late fee. The explanation being that I paid my monthly payment late. This is not true. They have since reversed the fee but as a " courtesy '' and have not corrected their records to show an on time payment. 

The minimum payment for this installment credit is {$220.00}. I have Wells on auto pay from my bank since XXXX XXXX. I send XXXX each time. Each month the check was cashed on time except for XXXX. Wells had my money on time in XXXX ( remember auto pay ) but did not cash it until late XXXX and claimed I sent it late. 

I have written to Senior Management and the BoD asking for an explanation and correction of the records. They have not replied. 

My guess is that they have operational difficulties or trying to extract additional fees from customers.
Consumer complaint received 2021-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (TX)

paypal mastercard ending in XXXX was closed however i received credits to this card for refunds from XXXX and they refuse to refund me. paypal refuses to help and the credit card can not access as it is closed. someone has my money
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX : My credit score is a XXXX and I purchase a pair of socks from XXXX XXXX to help try to boost my score and get some activity going on the card. 

XXXX XXXX : XXXX XXXX XXXX sent me a statement in the mail that I never received indicating that I had charges and a balance on my account. 

XXXX XXXX : XXXX XXXX XXXX supposedly sends out another mailing statement indicating that I have an outstanding balance. My credit score drops XXXX points. However, they include a number of hidden fees and charges. 

XXXX XXXX : Contacted XXXX XXXX to see if they could remove the past due delinquencies from my history and they tell me that they can not.
Consumer complaint received 2018-07-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Resolution Group, LLC (MO)

I received numerous calls on XX/XX/XXXX asking me to verify my personal information and they claimed I owed a debt. They called my mother the same day. They have also called my nephew looking for me. The debt was supposedly a payday loan that occurred in XX/XX/XXXX and was deposited to a XXXX XXXX XXXX XXXX. I don't live in XXXX  and never have. I didn't take out a payday loan. The loan was in the amount of XXXX. They threatened me with legal action. I told the woman to go do what she wants to do. I didn't make the loan IF it even exists. Also it would be small claims here in XXXX  if they try to file something. Whatever, I will go to court. I didn't make the loan.
Consumer complaint received 2022-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Credit inquires that does not belongs to me please see the list : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX  XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX 8. XXXX
Consumer complaint received 2022-04-01
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. (AL)

In correspondence with FCRA, Experian and XXXX have violated my rights w/Account # XXXX alleged company : XXXX 15 usc section 1681 ( 602 ) ( a ) states i have a right to privacy 15 usc 1681 section ( 604 ) ( a ) ( 2 ) consumer agency can not furnish an acct without my written instructions 15 usc 1692f ( 1 ) unfair practices ; thus XXXX has violated my rights as well I have asked several times to remove inaccurate account, please remove
Consumer complaint received 2020-09-04
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/20 I was shopping on line for rates to refinance a jumbo mortgage with a 30 year fixed rate. I found that Webster  Bank was advertising a 30 year fixed jumbo mortgage at 3.0 percent, APR 3.012 percent. I am attaching below a screen shot of that advertisement on the Webster Bank website. Over the next two weeks I checked again on line a couple of times and discovered that the same rate was still advertised. 
Today, XX/XX/20, I contacted Webster Bank and a loan officer returned my call. He quoted a 30 year fixed jumbo rate for refinancing a mortgage at 3.25 percent, APR 3.263. The 30 year fixed jumbo rate for a new house purchase was slightly lower but also above 3.0. The loan officer said that there was no 3.0 rate for a 30 year fixed jumbo mortgage and had not been one previously at that rate.

To be fair, when I had the loan officer check Webster Bank 's website, he was extremely concerned about the incorrect advertising and sent a message to his manager. 
However this should never have happened and should be sanctioned and/or monitored. 
I will attach the screen shot below.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX, I checked my Chase online banking and saw XXXX wire transfers that i was not awared nor authorized them. Their amount are XXXX XXXX XXXX and XXXX dollars. XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$10000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX  : XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$40000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX : XXXX XX/XX/XXXX Outgoing wire transfer - {$45000.00} XX/XX/XXXX ONLINE DOMESTIC WIRE TRANSFER VIA : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Outgoing wire transfer - {$35000.00} I already asked the bank to investigate, but they were very late to ask me to provide wire fraud claim, then i sent the claim on XX/XX/XXXX. Until now, they're still saying the claim is in investigation.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I just do everything on my credit report big except it was my student loans my student loans no no erase every last one of my student loans due to my XXXX and XXXX  XXXX XXXX and Experian us laugh did not report my right score all my credit report after youre still loans was erase
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update and correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Convergent for XXXX XXXX in the amount of {$290.00}. The account open date on the credit report is XX/XX/XXXX. I dispute this item with all three credit bureaus on XX/XX/XXXX and the dispute was returned verified, however the requested copies of my wet signature for this account was not received from the verification of this account. In addition, the date the account was opened I was no longer living in the area that XXXX XXXX services. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in this matter.
Consumer complaint received 2018-07-26
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 (TX)

I filed several complaints with XXXX  concerning a Capital One credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. Capital One charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I received a 1099-C form in the amount of {$970.00} for the cancelled debt and I filed the 1099-C form with my taxes in XX/XX/XXXX. In DXX/XX/XXXX Capital One reported the debt as a new debt to all credit reporting agencies. I informed XXXX that the debt was not new and I submitted my 1099-C form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX XXXX  is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the Capital One account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.