davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (MS)

Accordance with the Fair Credit Reporting at XXXX Account listed below has violated my rights : 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  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 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Equifax is reporting an incorrect last payment date and also the incorrect closing date to an account on my credit report. I know for a fact that it is an error on their end because the other XXXX bureaus ( XXXX and XXXX ) are reporting those two things accurately and they are supposed to be getting their information from the exact same source. I have contacted both equifax and the original creditor several times to try and resolve the issue but neither will help because they both keep saying the information is correct. There is no way that it is unless the other XXXX are wrong or vice versa. In my second dispute letter i asked equifax to delete this account due to innacurate reporting but they refuse to.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (MT)

I was issued a US Bank XXXX  payroll card in XXXX of XXXX, I used the card to get paid for about 6 months. I then quit the job. I stopped using the XXXX  card. I got another checking account with US Bank and no longer needed the XXXX  card. I called in XXXX of XXXX and asked for the card to be cancelled, the CSR assured me it would be cancelled and a Check for my remaining balance sent to my address on file. The account is still visible on my US Bank app and still has a remaining balance. I want the card canceled and my balance refunded.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Equifax is not giving my account the correct scoring. Equifax has my fico score under XXXX where as XXXX and XXXX XXXX have my score around XXXX. This is quite a discrepancy. A collection account was removed from my account and Equifax did not give my account points for that removal. I am requesting Equifax bring my score up to the value of XXXX and XXXX XXXX immediately. They are causing undue harm and anguish.
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

XXXX Credit Card company has charged me for late fees after I spoke to a representative on XX/XX/2022 to pay off my credit card. I had asked to pay off my account and paid an amount of {$32.00}. The systems were down during this time because they were going through updates, so I was unable to pay online on my due date on XX/XX/XXXX. 
I accrued three late charges when I was told my account was closed and paid off. When trying to resolve this matter with XXXX commenity bank they had assured me my account was closed when online it showed I had a credit and balance and my account is still open. They are taking advantage of people. When I spoke to Commenity bank, I was told I still owe the fees.
Consumer complaint received 2021-12-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files.
Consumer complaint received 2022-08-02
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. (DC)

In Accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date 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 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.
Consumer complaint received 2021-12-20
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

I was able to get through the application process and receive conditional approval. Unfortunately, they took my own home inspection and used it to come up with a list of unnecessary repairs. They refused to proceed until all of the list derived from my home inspection was fixed to their satisfaction. They refused to provide the XXXX  appraisal at any point. Part of the application process was a {$500.00} charge on XX/XX/2021, which they are now refusing to refund after I finally told them that I had to cancel and seek a mortgage elsewhere on XX/XX/2021.
Consumer complaint received 2022-10-15
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, XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Under the FCRA I am " Entitled '' to information on how the reporting agency conducted its investigation including the method used and copies of original contracts for the alleged charge offs on my report. I have requested these several times to no avail. 

XXXXXXXX XXXX shows a payment of {$140.00} in recent payments which was not made by me so I question the accuracy of this reporting. 

XXXX XXXX XXXX recent investigation says verified however I have not seen the verification documentation to substantiate this verification, nor have I received any correspondence from the reporting agency or collection agency to validate. 

It has now been well in excess of 30 days since my initial letters sent to Experian which were sent XX/XX/2022.
Consumer complaint received 2021-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

This loan is not mine it should go under my daughters SS # while this is affecting me getting financially causing hardship by me having to refinance my mortgage.I continue having a low credit score with these student loans of {$47000.00}. Please remove me from all credit reporting as I should not be the primary burden of the loan. 

Thank You Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 2019-06-15
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. (NV)

I have been contacting the 3 major credit bureau to have a bankruptcy remove my credit report. On XX/XX/2019 XXXX  removed this item from my credit report, than on XX/XX/2019 this agency put it right back on the report.
Consumer complaint received 2022-08-12
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. (TX)

I have been disputing Fraudulent Information on my credit report since XX/XX/XXXX requesting that the Credit Bureaus remove the disputed items completeky from my Credit Report. I have been waiting for their response but up until now, I haven't gotten anything from them. I immediately sent another letter dated XX/XX/XXXX to follow up the previous letters I have been send. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed items without proper verification within the time declared by law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting that the disputed information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
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. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS (FL)

On XX/XX/2021 I sent a letter to Lexis Nexis regarding unverified information and demanded that it be removed in 4 days based on 15 U.S.C. Sec. 1681i ( a ). They have not removed the fraudulent information which is causing me major headaches. I can't get a mortgage to provide a solid home for my family due to the bad information Lexis Nexis is providing to multiple vendors. Several addresses are tied to multiple issues that were not mine yet Lexis Nexis refuses to abide by the law. Plus did not have permissible purpose to furnish this information on my consumer report. 

Each of these addresses are not my addresses and should be removed immediately : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX I've attached the letter that list specific records that should be removed in 4 days according to the law which Lexis Nexis has clearly violated.
Consumer complaint received 2022-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (WI)

This is the second occasion in which I have noticed Wells Fargo charging exorbitant credit card fees above quoted rates. Previously, they have paid back fees without questions asked. If this is a pattern of behavior they are engaging in, in which they charge interest above what is quoted, they are stealing. I'm concerned this may be far-reaching. Many years ago even, I noticed they were charging interest on new purchases. I have taken pictures in this case of balances and charges. I could go to the company ( although they've made this difficult by not making it a disputable transaction ) but the behavior won't stop and a refund won't resolve this in this case, for me. They charged {$91.00} on a {$2200.00} credit card balance, an APR of approximately 50 %. These sorts of charges are predatory and hurt American consumers. Two photos are listed, one showing acct balance on XXXX, the other showing the interest charge on the same date. A third image is shared showing that the bank doesn't even list this as a disputable transaction. 
Thank you for your attention to this matter, XXXX XXXX, XXXX  XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION (TX)

For the last few months, CheckN Go has been calling at least 3 times/day and sometimes more. They never leave a message. The call is identified as XXXX XXXX It concerns a payday loan at an exorbitant interest rate.
Consumer complaint received 2021-12-20
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. (NJ)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-10-15
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 XXXX XXXX XXXX Acct # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (KY)

I did a payment of XXXX $ from XXXX through PNC, but once I did the transaction the person blocked me on XXXX XXXX, I tried contacting on the phone number he has has, but no response, I tried every single way but no response. 
I tried to raise dispute but my company says that as the transaction was dne through XXXX we can not return the money back.
Consumer complaint received 2021-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY (PA)

wells fargo bank offered a rewards credit card but they will not let you redeem your earned rewards unless they are in {$25.00} increments. There is no way a customer can figure out how to earn exactly {$25.00} in order to redeem everything they earned. I asked wells fargo to redeem my {$7.00} but they refused. I ask them if I close my card would they send me my {$7.00} and they told me if I close the card I forfeit my earned rewards. So wells fargo is actually stealing the money a customer earns because it is not in their required {$25.00} increment. XXXX XXXX XXXX, XXXX, XXXX do not do that ... no matter what you earn you can redeem it. This is just another example of wells fargo cheating their customers by keeping their earned nickels and dimes.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (VA)

Someone opened up an account in my name. I contacted the Bank & they are resolving this. I am reaching out to you to report that my name & address was used in a identify thief. What can I do to protect my identity?
Consumer complaint received 2022-10-15
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 — Problem with personal statement of dispute
Company: CORELOGIC INC (RI)

Hi and thank you for your assistance in this matter but I have 2 hardships against my credit report and the reason why is that I unconsciously applied for credit and was denied on the basis that they couldnt gather enough info for me as I forgot I have everything locked for any information on me, even as far as my social security number so I think this is the reason I was denied to begin with, but I had to report and lock my info because unfortunately all my personal info was compromised to the tune XXXX in three months and had to take the necessary steps to protect myself, so when I applied for the credit I was solely denied because of the fact that all my information was/is under lockdown, I hope you can find forgiveness for my stupidity in this matter and again thank you for all your assistance I very much appreciate it, sincerely XXXX XXXX XXXX email again XXXX XXXX
Consumer complaint received 2021-10-13
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Lima One Capital, LLC (OH)

In XX/XX/XXXX my business closed on a mortgage loan with lender Lima One Capital ( https : //limaone.com ) for 2 investment properties. It's unfathomable for a lending institution, but since Day 1 our online " Customer Portal '' has never shown our monthly statements. As a result we have never known how our payments are being broken down or if they are even being applied correctly toward principal, interest, and escrow. There has always been a link that says " Bill History '' but no bills. 

Only recently the Bill History began showing 3 documents, currently dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but each of those links to the statement dated XX/XX/XXXX. ( Also I am writing this on XX/XX/XXXX, so how could there even be a document dated XX/XX/XXXX? ) I have many accounts with many different institutions, banks, credit cards, utilities, etc and never have I been unable to view any monthly statements online. It should be something any customer has access to. 

I contacted the company numerous times in the past asking when this would be fixed but was never given an answer. I was actually told by someone from Lima One that if I wanted a statement I had to contact them every time, which is ludicrous. We should be receiving our monthly statements automatically, without having to ask. I then requested that someone from Lima One create a manual task to email us our statement every month, since this is their mistake, but of course this has not happened. 

I do not know if this is a companywide issue with Lima One, or simply with our account, but it's frankly unbelievable. We simply want to be able to view our monthly statements. We want this fixed. We also want PDFs of ALL of our past monthly statements.
Consumer complaint received 2019-06-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY (MO)

Wells Fargo repeatedly charges my account with false monthly service fee charges for the amount of {$14.00}. Wells Fargo lied about how many times I used my card the month of XX/XX/2019 in their response to the CFPB! I want to know why they are repeatedly charging my account for {$14.00} dollars even though I met the monthly requirements in order to not get charged. Why is Wells Fargo allowed to lie and falsify documents in their CFPB response. They are stealing out of my account and sending in lies in their response like I'm the one lying!