davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
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)

The credit bureaus said they dont have contracts that i signed and they contacted the creditors and they say the information is verified. How can they verify my derogatory accounts if they dont see physical proof that i signed a contract. The credit bureaus or the creditor has not presented a contract for any of my derogatory accounts that i supposedly signed for. Every account that i disputed has to be deleted according to the Fair Credit Reporting Agency. They are violating my rights.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NY)

I sent you an email through your company to which I never received a response. You are reporting late payments on my account from XXXX to XX/XX/2020. I find this to be unfair because I updated my card account but your company kept charging the old card. These late payments were not the part of my own. I am writing in hopes that you can correct these late payments to paid on time as they are negatively impacting my score.
Consumer complaint received 2018-07-26
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: EQUIFAX, INC. (TX)

I reached out to both XXXX and Equifax regarding these inquiries that were made with no permissible purposes. Both have refused to even address these matters. There is no permissible purposes for these inquiries listed below and should further more be deleted from my file. 
I have repeatedly requested requested, per the fair credit reporting act, that these be deleted. 

Equifax : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX - Fraud inquiry XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 8th
Consumer complaint received 2022-04-27
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. (GA)

I recently received notification from the credit that XXXX XXXX is reporting 180 days late payment when the account was in good status. The car was paid off XXXX closed in good standing and I have the title in hand. I am not understanding why this company is updating the report as if I still have an open account the was paid and close back in XXXX
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: Experian Information Solutions Inc. (TX)

Experian keeps reporting unverified and inaccurate information on my credit report. Although through multiple disputes via online and through the mail, Experian has stated that they have verified the account and the information is accurate, however, Experian has not produced any documentation to me ( as I have requested multiple times ) to support investigation. 

Furthermore, I sent via certified mailed a debt validation on XX/XX/2018 to XXXX requesting validation of this debt. I also asked to be provided with any documents with my HANDWRITTEN signature and an itemize invoice ito explain what the charges where for. 

XXXX has failed to provide any documents proving I owe this debt and they continue to report this debt montly on my Experian credit report. XXXX, on XX/XX/2018 I initiated a dispute through Experian online to provide Experian with a copy of my debt validation letter and a copy of the certified receipt mailing and demanded that Experian delete the account from my report due to the fact that XXXX failed to respond to my debt validation letter. 

On XX/XX/2018. Experian provided me my dispute results and claimed XXXX that the information is accurate and the account has been updated on my credit report. 

Experian is not verifying the information being reported by XXXX. I gave XXXX more than enough time to respond to my Debt validation request, but XXXX has NOT validated this debt to me by sending supporting documents of their claim. However, XXXX responded to Experian request WITHIN ( 1 ) day as the debt is accurate and verified. XXXX is breaking the law by reporting false misreprensenting information and I DEMAND that this account be immediately DELETED from my Experian credit file.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mn XXXX acct XXXX checking XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX mn XXXX on XXXX XXXX 17 brought balance to XXXX gave him my cash card to cut up.he cut one slice opposite strip to slide in machine.he kept asking if I wanted direct deposit and I said NO I WANTED TO CLOSE MY ACCOUNT. I CALLED XXXX XXXX XXXX AT XXXX XXXX XXXX XXXX.SHE SENT ME A LETTER DATED XXXX XXXX 17 SAYING MY CHECKING ACCOUNT ENDED XXXX THAT IS M, Y ZIP CODE.MY ACCOUNT PIN WAS CHANGED AFTER I LEFT THE BANK.i HAVE HAD THIS ACCOUNT FOR 30 YEARS.i ALWAYS USED THE ORIGIONAL PEN. I NEVER CHANGED THE PEN I DO NOT WANT DIRECT DEPOSIT I DO NOT WANT TO EVER BANK WITH WELLS FARGO AGAIN I WANT MY ACCOUNT CLOSED.i DO NOT HAVE A BANK CARD.
Consumer complaint received 2022-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: TD BANK US HOLDING COMPANY (IL)

On XX/XX/2022 i filed for Bankruptcy. 1 month Prior to filing, i completely paid off Target. I had a XXXX balance as of XX/XX/2022. I asked Target to please close my account. For whatever reason they never closed it! Target was not on the petition of the bankruptcy because it was no longer a debt. It was completely paid off 1 month prior of filing. This was before i was completely sure if i was going to file. Even my attorney told me it was not required on paid off accounts especially those that were paid off a month before filing. After i filed bankruptcy, Target took it upon themselves to report this account including in bankruptcy when it was clearly not part of the bankruptcy petition. It should of stated closed by consumer. They took a 2 year positive exceptional payment history, and turned it upside down into a negative status when there was no money owed! You are only required to include DEBTS THAT ARE OWED in a bankruptcy petition, not every account that are reporting. Paid off accounts are excluded from a bankruptcy. THEY ARE NOT DEBTS!!! Especially since the account was completely paid off prior before filing the bankruptcy petition. TargeXXXX was suppose to close the account back on XX/XX/2022, but did not! They took a positive exceptional account, and turned it upside down! Why??? This is Illegal and is a violation. Who are they to change the laws? I was a good paying customer, and they made it look like the entire account was charged off in the bankruptcy. Why would i pay you then? They are reporting incorrect information on the credit report. When someone pays off a debt, they have to get credit for paying it on time. It was paid early. They are reporting it like i was delinquent when i wasn't! You can not report incorrect information on a credit report! People sue millions of dollars every year for careless acts like this! I want to file a complaint against Target for damaging my tradeline with incorrect information reporting. They refused to remove it when i called. They have no clue what they are doing. They are hurting my credit report when they did this! Every account matters even in a bankruptcy. This is the one account i wanted to walk away in good standing. They are making me look bad! If i ever want to get another account with them, They will see i filed bankruptcy on them and burned them, when i didn't! Is this right or fair to me??? Its basically telling the credit reports that i did something wrong, when i didn't. I was in good standing with them, not the other way around!
Consumer complaint received 2018-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

I was just contacted by a Law Firm on behalf of US Bank. I had an account with them more than 15 years ago. Apparently I had an overdraft charge that was not paid, although I closed the account at that time and was not notified at the time of my account closing that I had any fees remaining. I have never received contact from US Bank regarding this until today and now they want me to pay them more than {$2000.00} dollars in late fees. 

The Law Firm literally said they ran a check on my personal funds recently and noticed I now had income to spare, which I do not as I pay {$570.00} a month in student loan debt and hundreds of dollars in copay 's for health insurance, as I have a rare XXXX that requires a massive amount of XXXX. They threatened to garnish % XXXX of my income, I will not be able to pay for life saving medication or my student loans at that rate. 

I have worked really hard to pay down my date, pay my bills on time and maintain a high FICO score and they are threatening to dismantle all of my hard work. 

I have not contacted them directly as I don't believe they will help me, if they waited more than 15 years to contact me and to run my income once they thought I was able to pay their egregious amount, I cant imagine they will be willing to help me today. 

Thank you!
Consumer complaint received 2022-04-02
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: JPMORGAN CHASE & CO. (CA)

I get text messages and recorded phone calls telling me that my CHASE BANK card is locked due to security reasons. I do not have an account at this bank and never have. 

the message reads : CASE-ID # XXXX From : CHASE-BANK. Your Card is temporarily locked due security reason. For your protection, we've limited access to your online account. To restore full access to your online experience, Please click here if.XXXX
Consumer complaint received 2021-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (NM)

I purchased a used car XX/XX/XXXX with the first payment due XX/XX/XXXX in the amount {$470.00}. The finance agreement was for 72 months which ended XX/XX/XXXX. I paid an additional 4 months with the last payment send in XX/XX/XXXX which covered deferred installments during the life of the loan. I completed the 72 months and the contract amount of {$34000.00}. 

When I called to get information on my account, the automatic system stated that I had a payment of {$3100.00} due XX/XX/XXXX. When I called to get access to my online account information, it was described to me as an " end of contract '' payment. I requested an explanation of the additional charge with their online customer service with no response ; I sent XXXX Priority Mail letters to their XXXX, NC headquarters for the President, XXXX XXXX XXXX and their COO - no response to date. I submitted a review with Consumer Affairs which was forwarded to the company for a response - no response to date. I reported this as a fraud claim with FTC today. That's when I found this website for finance problems.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My name is XXXX XXXX. On XX/XX/2021, I obtained a copy of my credit report. I discovered inaccurate information. I tried to reach out to XXXX XXXX which has an account with Portfolio Recovery. I was unable to attain any information regarding this account. I did not sign or authorize any documentation with Portfolio Recovery. I have no debt with this company. I am demanding and requesting documentation and proof of all contracts signed, as well as statements.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/2016 JP Morgan was entrusted with a large deposit to open a business account. 

JP Morgan saw the amount & got greedy. 
The bank decided to keep the deposit then lie to everyone to cover that up.
Consumer complaint received 2021-05-04
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. (TX)

On XX/XX/21, I visited the XXXX XXXX XXXX website and applied for credit. When I submit the application, XXXX XXXX said that I was denied by them but PRE APPROVED with XXXX XXXX  and sent me directly to complete the application. I complete the application and XXXX denied me. As a result of the misinformation and misleading lie that XXXX gave me about being preapproved, I ended up with two inquiries on my credit report and denied for both lines of credit. I would have never applied to XXXX had they not lied and said I was preapproved and since my credit was ran giving me the preapproval already, I did not think my credit would be ran again. I tried to find contact information for either company and could not.
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. (RI)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2022-03-01
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: Experian Information Solutions Inc. (TN)

I am writing an update to complaint # XXXX against Experian and complaint # XXXX against XXXX. On XX/XX/2022, I contacted Experian to find out why I have hard credit inquiries on my credit report, request a dispute, and start the error resolution process. Experian insisted I had to contact XXXX to resolve it. Experian refused to do anything but claim they would start a fraud alert. Experian did not provide any documentation of the fraud alert. Since I should not have any accounts with XXXX, I felt reluctant to give up my personal information. I contacted XXXX to try to find out why they abused my financial information & placed hard inquiries on my credit report. Staff were able to identify some erroneous account information & claimed that XXXX would perform a fraud investigation and/or fraud review. On XX/XX/2022, I returned to my flat & saw envelopes from XXXX in my mailbox. I opened to see an actual credit card that erroneously claims I am a member since 2022. I had another envelope containing a pin # for the credit card. Since I already called XXXX on XX/XX/2022, & have not received anything documenting the reported fraud, I am submitting this regulatory complaint so that XXXX can understand that it is a serious violation to initiate a brand new line of credit and credit card through abusing an individual 's financial information. Please let me know what you find out from XXXX. Thank you, XXXX XXXX
Consumer complaint received 2022-04-02
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. (TX)

in accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX All three of these inquiries was opened without my permission and I want them removed
Consumer complaint received 2022-04-27
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. (FL)

XXXX I submitted disputes and was advised that I was not specific with my dispute when I clearly stated that there are factual errors with the amount listed on my Experian file there are 2 accounts with XXXX  XXXX there response was I did not indicate the issues which to be more specific for them the charged off amount is at XXXX but why is there a past due amount at XXXX how do I owe more on a account that's been charged off with a higher debt and why is there a past due amount acct # XXXX that's a major violation of false and inaccurate amount I should not have a past due amount the other acct # XXXX : charged off amount XXXX past due amount XXXX same issue as the first I should not have a past due amount there are incorrect factual errors on these 2 accounts that must be DELETED ASAP
Consumer complaint received 2021-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc. (KS)

Received in the mail with correct name and address. It says, Welcome to XXXX XXXX by XXXX. XXXX FDIC XXXX Activate your card XXXX set up direct deposit XXXX get paid up to 2 days early Then it has a form to fill out asking for amount of my paycheck I want to deposit. It has my name already filled out, but no account number. Just asking for a signature. 
It also came with a seamingly nice card. With a chip enabled. It a XXXX with an expiration date. It does also have a card number and a security code, which is concerning. It says debit on the card. Also says MoneyLion. With a sticker and a number to call to activate. 
I don't want to contact them and give them more information.
Consumer complaint received 2021-05-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a complaint on last Thursday XXXX ID : XXXX ) because I saw a huge amount hold in both of my saving and checking account. But on the following day, Friday XXXX XXXX, I found that all my money was back and there was no hold. I called BOA ( XXXX ) again and the representative said that it was a mistake, system error, my accounts won't be closed. But today, XXXX XXXX, I logged into my mobile app and found out that my balance is {$0.00}. I went to local branch and the banker showed me that my account was marked with " closure at risk '' and gave me the XXXX because there's nothing they can do and also he doesn't know the reason. 

So I went home and called BOA claim department again, the representative gave me the same answer as last time I called, " because we have rights to do so, we don't need to give you any reasons. ''
Consumer complaint received 2021-02-03
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (DC)

I received a loan modification in XXXX at a 2 % interest rate. ( This was lower than my previous rate. ) The loan was sold to Rushmore Mortgage. I made all of my payments on time. The mortgage payment was {$1100.00}. In XX/XX/XXXX, the mortgage payments were set to increase to $ XXXX. I got the notice in XX/XX/XXXX. I was told that the mortgage was increasing due to a tax bill that was issued in the amount of over {$25000.00}. I have disputed this with the city, but to no avail. I applied for a loan modification with Rushmore and they placed me on a six month loan modification. They also asked for {$2000.00} as a " down payment '' which I had never heard of before. The new payment was {$2000.00}. When I contacted their tax department prior to receiving the modification, I was told that the payment would be {$1600.00}. I later found out that the new payment was based on their charging me a 5.5 % interest rate. I was told that this was legal according to them and that I couldn't be given the " current market interest rate ''. I am asking that this matter be investigated.
Consumer complaint received 2019-08-13
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)

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User to this account. They removed me as an Authorized User on XXXX however, Equifax and XXXX have not removed this on my credit report. I have contacted the ( 2 ) bureaus to fix this issue, but I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2017-12-19
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: J J Marshall & Associates, Inc (CA)

I have asked to cease and assist numerous times. Failed to provide a written, bill or any information sent to my home per request. I asked for something in writing from this company, they forged a company letter head and emailed me a bill, for a ridiculous amount threatening to file a lawsuit at XXXX this evening if the debt was not resolved. This most recent Gentleman 's name was XXXX XXXX and he says he is calling on behalf of " XXXX XXXX XXXX '' for a payday loan that may have been taken out between the years of XXXX all of which I was unemployed and collected unemployment benefits throughout. I am tired of being threatened. The complaint is not stopping these people from calling. They 've disguised their numbers to be local numbers.