davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (AR)

During the middle of XXXX through presently XXXX I have consistently been in contact with Equifax Consumer Reporting Agency regarding Fraudulent Accounts that were established without my knowledge or consent that are currently listed on my credit report. I have sent several disputes ( tracking # XXXX ) being one of many that was received on XXXX at XXXX am. Despite my continuous efforts, Equifax has not provided 100 % accurate verification as per the Fair Credit Reporting Act and has failed to block the Fraudulent disputed accounts within 4 business days per section 605b of the Fair Credit Reporting Act. The accounts in question that remain are 1. XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. Equifax has failed to provide any original documentation or correspondence obligated me to these accounts but yet continue to report these items on my credit report. This is a clear violation of my consumer rights under the Fair Credit Reporting Act. It has been almost 1 year since my initial dispute and XXXX continues to fail to comply.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION (WA)

I have accounts with several banks and credit unions. All banks and credit unions provided my tax documents electronically ( usually a downloadable document from their website ). This is true for various tax documents ( XXXX, XXXX, XXXX, etc. ). The Navy Federal Credit Union, however, does not provide an electronic copy on their website. 

I called to ask for the electronic copy, but the customer service manager responded that the Navy Federal Credit Union only sends paper versions by mail. I explained that every other financial institution provided electronic copies, which should be standard after the pandemic started 10 months ago. The Navy Federal Credit Union refused. 

I explained that every other business has adopted to operating during the pandemic by providing documents electronically and that I would need the electronic copy to respond to requests by the IRS by email. This is quite frustrating and antiquated. 

Does the CFPB provide guidance to financial institutions for providing electronic copies of documents, especially during the pandemic? Thanks very much.
Consumer complaint received 2017-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NC)

On XXXX XXXX, 2017, my husband and I each applied (separate accounts) for a Wells Fargo XXXX XXXX XXXX Card at a Wells Fargo Branch located in XXXX, North Carolina.We each went through the application process and each reported $XXXX of monthly income to the banker XXXX XXXX. At the end of the application process I asked the banker what credit limit we would have on the accounts.  The banker told me that I (female) had an $XXXX limit while my husband received a $XXXX credit limit. I asked the banker why my limit was lower and he could not give me an answer.  Said that's what the system gave us.  I have reported the issue to Wells Fargo Customer Service and to this date they have not told me why my credit was issued at a lower rate.  The banker did try and get the limit raised, I do not know the status of that request.  I have now received information from the bank (Wells Fargo Consumer Credit Solutions) with the last four digits of the credit card numbers issued to us and our credit scores.  My credit score was XXXX while my husbands score was XXXX.  So, why did he receive a higher credit limit?  We just received the credit cards.  I have a credit limit stated at $XXXX and no cash advance amount indicated.  My husband has a credit limit of $XXXX and was given a cash advance limit of $XXXX.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

Capital One closed my checking account last year and refused to give me the money that I had received. After several failed attempts to resolve the issue, I sent a complaint to CFPB and Capital One later responded through their agent XXXX with Phone Number : XXXX EXT XXXX. The letter stated that I should provide evidence to show the source of funds was legit and not related to any fraudulent activity. 
I have shared the mail I received from Capital One with the friends and family members who credited my account during that period. We have been calling Capital One for closed to a month using the phone number provided in the mail but no one is responding. I have been to their branches but no one is able to help. Capital One isn't cooperating to return my legitimate funds they have been keeping for almost a year causing me delay and mental stress.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc. (DC)

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have XXXX to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in XXXX business days is acceptance and your failure to cure your dishonor will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FDCPA violation. 

In accordance with the XXXX laws, all Commercial Transactions must be recorded with the XXXX Of XXXX. 
Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.
Consumer complaint received 2019-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Quall Cardot LLP (CA)

On XXXX an unknown unannounced guy knocked on my door as I was walking out. Then he handed me a summons to court. Then he left. He didn't leave a card or say his name and coming to my residence harassing me. They never contacted me with any debt validation letter or other mail informing of this debt nothing. 
Violations include Illegally inform the third party about an alleged debt Repeatedly call a third party for my location information Fail to send a written debt validation notice in the mail Continue to collect on the debt before providing verification I as the debtor is under the RFDCPA, a debtor, if he or she informs a debt collector or creditor to cease communications in writing, upon getting that notice, communications must stop.
Consumer complaint received 2017-10-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from Equifax. They are supposed to respond within 30 days.
Consumer complaint received 2016-10-14
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC (FL)

I borrowed {$700.00} on XXXX from a company called North Cash and I knew that it would be an expensive loan if I did n't pay it off early. The representative even stated that if I were to pay the loan off early I would save significantly on finance charges. The finance charges that I am being charged are {$190.00} every two weeks. I called in early XXXX to get my pay off balance and was told at that point that the payoff amount would be over {$800.00} ( ca n't remember the exact amount ). I was confused because at this point I had already paid over {$900.00} towards the loan and I could n't understand why the balance was more that the amount I borrowed.I had a family emergency that came up around that time so I was n't in a head space to follow up on that conversation. I have paid {$190.00} every two weeks since XXXX and when I called to get the pay off balance on XXXX I was told that I would have to pay over {$900.00} to pay the loan off. When I asked how that was possible the representative told me that I still would be responsible the remaining interest on the loan and I just do n't understand! When I crunch the numbers what she told me is incorrect about owing the remaining interest because the amount would be much more, but I also do n't understand how she came up with the amount that she gave to me. I 've worked very hard to get my credit back up to the mid XXXX 's so I do n't want to do anything that will cause a blemish, but it just seems like this is n't legal what North Cash is doing.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (VA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

A bankruptcy chapter XXXX was filed and discharged since XXXX XXXX XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, as XXXX XXXX.
Consumer complaint received 2017-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OK)

On XX/XX/XXXX, Navient sent an unauthorized debit to my bank account in the amount of {$1500.00}. My husband could not get his XXXX medications and I was sitting at the gas station with an empty tank. Navient refused to reverse the debit while I was on the phone with them, stating I had set up automatic debit six months ago whe I was paying {$170.00} per month for student loans. Because I was due for renewal of my student loans, they already had my bank account info and just pulled the {$1500.00}! But I did not have enough money so my account went overdrawn. Today, XX/XX/XXXX, my bank has reversed the debit due to my account not having overdraft protection but I am being charged {$32.00} in overdraft fees. Navient should pay these fees because this is their error. This issue kept me awake all night and has effected me greatly. My husband and I both cried a lot over it. Its completely unfair for Navient to do this to us. Thank you.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (NY)

LVNV Collections is NEGATIVELY REPORTING THAT I OWE A DEBT on my credit report that I knew nothing about. I have reached out to the company several times and have sent letters when I found out about the Debt and LVNV Collections never contacted me back. Also, the company is inaccurately reporting the Debt on my Credit Report ( The Date It Was Opened is incorrect/inaccurate, The Date Of Last Activity is incorrect/inaccurate, The Date Of Last Payment is incorrect/inaccurate ). Therefore, this LVNV Collections Account should be Deleted Immediately. It is negatively affecting my mental health and my ability to build credit and get credit. I have been dealing with this for a year plus and now I am ready to seek litigation. I would like this debt deleted immediately. According to The Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by XXXX XXXX XXXX ( CRAs ). Thank You.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The Fair Credit Reporting Act ( FCRA ) says that companies that collect and share people 's financial information must be fair, impartial, and respect privacy. XXXX and XXXX are these companies, and I'm a customer. I have the right to keep my private information private, as stated in the Gramm-Leach-Bliley Act ( GLBA ).

The GLBA states that financial institutions, like those that share info with credit agencies, have to respect customer privacy and keep info secure.

The FCRA also says that credit agencies can only share my info if I give them written permission, according to 15 USC 1681 section 604 ( a ) ( 2 ). I never gave this permission, so they can't share my info without it. They also didn't tell me how to stop them from sharing my info, which they're supposed to do under 15 USC 6802 ( b ) ( c ).

Another part of the FCRA, 15 USC 1681C ( a ) ( 5 ), says that credit agencies can't share negative info about me without my permission, unless it's about a crime more than seven years old. They're sharing negative info about me without my permission, which is against 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ).

Furthermore, if someone knows that the info they're sharing about me is wrong, they're not allowed to share it under 15 U.S. Code 1681e. Credit agencies are supposed to have rules to avoid sharing wrong info and only share info for certain reasons.

Lastly, under 12 CFR 1016.7, I have the right to tell them to stop sharing my info at any time, but they didn't inform me of this right. So, I'm telling them now that I don't want them to share my info anymore.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have applied to several entities that required credit verification and Equifax has continued to show an accurate report or nothing at all. I have submitted the documents two times at their request to unfreeze and report correctly. This has been an ongoing issue that has caused a great deal of stress.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

Chase is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law.

Chase is furnishing inaccurate and incorrect information to consumer reporting agencies. 
The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

A bankruptcy chapter XXXX was filed and discharged sinceXX/XX/XXXX and still showing in my credit report. 
As a chapter XXXX should be out of my report in seven year, asXX/XX/XXXX
Consumer complaint received 2017-12-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (IL)

I was gifted a {$100.00} XXXX XXXX XXXX XXXX XXXX for XXXX. When I attempted to make an online purchase with the card, the purchase was declined. I logon to the website used to check the balance of the card and the balance reads XXXX, with a charge from XXXX in amount of XXXX, zeroing out the balance of the card. I contacted XXXX customer service and they said they would email me a dispute packet that I should return to them after filling it out.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/year> XXXX OF XXXX XXXX OF XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX reported inquiry which I did not authorize. 

On XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX reported inquiry which I did not authorize. 

XX/XX/year> WELLS FARGO AUTO WELLS FARGO AUTO, XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX IA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX reported inquiry which I did not authorize. 

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX reported inquiry which I did not authorize.
Consumer complaint received 2019-10-25
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: Experian Information Solutions Inc. (TX)

Have been in the military XXXX XXXX and when i came home i went to pull my credit report and saw several fraudulent accounts in my name that i did not open. i am requesting to Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file i am enclosing ftc report
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

I opened a Credit Card account in XXXX and had a charge off in early XX/XX/XXXX, I opened the account while living in XXXX. I moved to XXXX  in late XXXX and in XXXX I received a letter saying that I was being sued for this debt but in XXXXI, I read online that the credit card agreement and laws of XXXX applied to the account I even spoke with Capitol one and they said the same thing. I wrote to the Law office and they sent me a letter saying that they couldn't pursue the case I than called them and spoke with them and they said the case was over. In XXXX they opened the case again and are trying again to the get the money for the zombie debt. I went to court and the judge kinda agreed with me about it, but wasn't 100 % sure I have to go back to the court again. The Law firm of XXXX XXXX XXXX XXXX XXXXXXXX XXXX is violating my rights. Statute of Limitations in XXXX  is 3 yrs and XXXX is 10 yrs.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

DEAR CFPB, Equifax 's huge data breach exposed our credit account and resulted in our information being exposed to potential theft. While Equifax has offered its " Trusted ID '' account protection services, it has made signing up for this " free service '' virtually impossible. There is a limited time frame within which customers can sign up for this protection ( why is there a wait at all, or a limit on how late we can sign up, when we know our information is exposed? ). When I finally received the alert that I was permitted to sign up for the Trusted ID service, the service signup did not work online. A one-line apology on the website and XXXX number provided to resolve this problem also has also been a dead-end : no one answers or even gives an estimate of wait time. Using other phone numbers on the Equifax website also do n't allow us to talk to a person. There seems to be no way to communicate with Equifax about this. 

This is a joke. Is Equifax unaccountable for this crisis? We can not be assured that there is any protection on our account even though we have confirmation from Equifax that our information is at risk. Our personal information is totally out of our own control. This is OUR personal data. How did this country get to a point where a private company can hold our personal information hostage, and we do not have the right to access and protect this information WHENEVER WE WANT? Being allowed to access only ONE free credit report per year from each of the three credit reporting companies was already unacceptable to many. Now, the situation with Equifax is untenable. With its sub-par communications to customers affected by this data breach and its failure to provide immediate account protections, Equifax shows outrageous incompetence, irresponsibility, and insensitivity.
Consumer complaint received 2024-03-20
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

In Accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy, section XXXX is also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a account under an open end consumer credit plan as late for any purpose. Pennymac loan services, report a XXXX XXXX days late payments for XX/XX/2024 an XX/XX/2024. I never been late on this accounts and is affecting my XXXX XXXX.