davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I closed down my Capital One credit card but they failed to tell me that interest would accrue. After I closed down my account I checked my credit report and saw I was being reported late for the last 6 months. They told me it was closed, they never told me about 'daily interest ', therefore it kept reporting as a late payment. I should not be held liable for these delinquencies and these derogatory remarks should be removed off of my credit report immediately.
Consumer complaint received 2022-10-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MN)

I received a letter dated XX/XX/XXXX from Wells Fargo Home Mortgage and a check in the amount of {$1500.00} ( attached ). 

This was in regards to a home refinance loan # XXXX which closed on XX/XX/XXXX and was paid in full in XX/XX/XXXX for our home in XXXX XXXX, MN. 

The letter was vague other than during an audit, they determined a pricing error had occurred during the mortgage re-financing process. ( See Attached file titled " XXXX Well Fargo Mortgage Refund '' ) I was confused and on XX/XX/XXXX I made mutliple calls to the telephone number listed if I had any questions. Of the two Wells Fargo representatives I spoke wth, neither could answer any of my questions. Ultimately, I was advised to write a letter to their " Written Correspondence '' address. ( See Attached file titled " XXXX XXXX Loan questions '' ) I created a letter and mailed it to Wells Fargo Home Mortgage XXXX XXXX XXXX, IA on XX/XX/XXXX. I erroneously reported Loan # XXXX- it should have ended in XXXX. 

WIthin a week or so I received a call from Wells Fargo representative XXXX XXXX who told me she was in the Executive Office. She indicated she was hoping to have answers for me by end of month. XXXX called a second time and left a message. Lastly she called me on XX/XX/XXXX and indicated she could answer none of my questions because the information was considered as " propietary information ''.
Consumer complaint received 2021-06-18
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: Navient Solutions, LLC. (NJ)

I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (PA)

This is a continuing problem that I complained about XXXX XXXX. It started when Barclays double debited my checking account for my XXXX payment. I authorized XXXX {$4700.00} debit ; Barclays made XXXX. 

The next day, my card was rejected in NY XXXX and XXXX, XXXX. I called Barclays and they denied rejecting the card. They also suggested that it was a travel problem. I go to XXXX at least six times a year and sometimes make large purchases there, and Barclays knows that. Purchases in XXXX dont trigger a fraud inquiry. 

For several days I could use my card. Then, on XX/XX/XXXX it was rejected in XXXX, NY and for an online purchase. When I contacted Barclays, they said it was because I had not made my XXXX payment. Please recall that I made it twice - once was authorized, once not. XXXX, my checking account bank, had stoppec the second payment because Barclays XXXX had left my bank account overdrawn and when I called Barclays on XX/XX/XXXX, they could not tell me when the problem would be fixed. 

Barclays never notified me that they reversed the charge and that XXXX had stopped the other charge. I immediately made the payment AGAIN, which Barclays acknowledged. Yet they still will not let me use my card.
Consumer complaint received 2021-03-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Ria Envia, LLC (MO)

RIA Money Transfer took money out on a bank account that I authorize them to. That cause me an overdraft big time. I use their online app for 2 transactions sending money to my mom and sister on XX/XX/XXXX and XX/XX/XXXX. I authorized them to use my second bank account and went through instant verification and transaction went through no problem. But today I have seen that they are taking the money out on my first bank. I called them and asked what is going on and told them I specifically authorize the charge on my second bank and they insist that I did. And ask them to furnish me my authorization to use it but they only sent me receipt thats shows the last 4 digit of the bank account #. Which on my email receipt when I did that transaction it doesnt show which bank account. I know I dont have have balance on that bank that is why I did not use it but they go ahead and charge that account and that made me overdraft for the first time. And they are not willing to fix it.
Consumer complaint received 2021-09-12
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. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2021-07-02
Product: Credit card or prepaid card — Store credit 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: GOLDMAN SACHS BANK USA (CO)

Goldman Sachs used an old XXXX XXXX  that is NOT a valid email to me. They kept using that address, and I never got the notices on an account I started on XX/XX/2021. They then recorded and delinquent status to my credit report as three months delinquent on XX/XX/2021. Neither Apple nor GS would do anything about their error in assuming my XXXX XXXX  is my email. ( Old IDs could be anything, but more recently, Apple has required that IDs be valid emails ), unbeknownst to likely other customers who had old XXXX XXXX and had never used an Apple Card and me. The internet is rife with this problem and associated complaints. 
I asked them to release that delinquency, given a changed rule victimized me at Apple with GS that occurred two years ago and about which I was not advised. And restart their billing as of today. None of my credit card accounts are even 30 days past due. -- and they refused. They also would not refer this discussion to anyone who could help. 
THIS IS GROSSLY UNFAIR! and violates the transparency in lending. 
Apple consumers beware of this agreement between Apple and Goldman Sachs. This requires you, the customer, to use your email as an ID when you may not want it all over the internet and when all other credit cards can use the email you applied with as the notification destination.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ERC (GA)

hi my name XXXX XXXX XXXX i wan to complain a company nam erc LLc on XXXXi have pay the collector amount XXXX dollar and. erc LLc toll me they will removall my collection of my credit report. now i pay them they tell me now they cant take of my credit report this is not good .to day XXXX i call again they toll me they not going to removal of my credit report sol today i add for help please there addrest is enhanced recovery LLc XXXX XXXX XXXX XXXX  fl XXXX XXXX XXXX XXXX to hepl me thank you
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDICO. INC (WY)

On XX/XX/2019, I sent the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, SD, a certified letter to stop contacting me in any form whatsoever, per my rights under the FDCPA. Per U S Postal Service records, they received the letter on XX/XX/2019. On XX/XX/2019 they sent another collection letter to my mailing address, in violation of the FDCPA.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I filed a complained here couple months back about XXXX XXXX on behalf of Synchrony on accounts closed since 2019 and XXXX harassing my child and as of today XXXX is harassing me again with claims of financial fraud. As a result of my last complaint Synchrony wrote a letter that details all my activities with them and that states XXXX Should have never keep trying to collect on Accounts closed in 2019 and that Synchrony will send them that letter so they can fix and stop their illegal collection. Unfortunately XXXX  closed the dispute without addressing the fact that XXXX was wrong and XXXX is moving full speed tarnishing my name despite the overwhelming evidence clearing my name.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNTRUST BANKS, INC. (HI)

CFPB : I would like an inquiry in the handling of wife XXXX XXXX XXXX joint checking account with daughter XXXX XXXX by SunTrust Bank for refusing to release funds and information on XXXX XXXX  portion of account. 

I recently try to close out her account because she is now decease and she had funds with daughter in account since I have been unable to reach her concerning matter. 

I tried to contact bank myself. 

The bank manager was contact to assure account was froze and didn't compile and 800 number is non accessible. 

so we will like file investigation.
Consumer complaint received 2019-04-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank froze my funds and restricted my account without notifying me which has caused me to miss my rent payment. I have over {$1000.00} sitting in my checking account and I need to pay me rent. 

Chase is also threatening to close my account but they will not tell me why. I have spoken to several representitives over the phone and sat in the branch for an hour to try to see what the issue is.
Consumer complaint received 2021-06-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/XXXX ACIMA CREDIT responded to a complaint I submitted through the CFPB. With the response they also provided the lease agreement and a statement. Upon further inspection of the documentation I noticed many fraudulent pieces of evidence. I have attached a complete rebuttal to their response and listed a more detailed account of the following violations, 1. 15 USC 1692e. ( 2 ) ( A ) The false representation of- the character, amount, or legal status of any debt ; a. Acima has contradicted themselves stating this alleged account was charged-off, or uncollectable, in their response labeled Exhibit D, yet are still trying to collect.

2. 15 USC 1692e. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
a. Acima reported to XXXX  report, labeled Exhibit C, inaccurate information regarding payments that were made XX/XX/XXXX and XX/XX/XXXX that they were aware of according to the statement THEY provided labeled Exhibit B. 

3. 15 USC 1692e. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

a. Acima sent multiple emails labeled Exhibits E, F, G, H and I encouraging a settlement be made in general or with the use of my tax return in connection to this charged-off, or uncollectable, account. 

4. 15 USC 1692g ( a ) 3,4, and 5 Validation of Debts a. Acima has never provided me, the consumer, with ALL the proper documentation required under this subchapter.
Consumer complaint received 2021-06-18
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: Social Finance, Inc. (NV)

Last year I discovered a false account with SFLNDCORP reporting on my file because of identity theft. I contacted the bank and the credit bureaus about it and they told me to file a dispute. I submitted the dispute and SFLNDCORP conducted an investigation. The issue was solved and SFLNDCORP stopped reporting the account. I was notified by XXXX  and XXXX  that the account was no longer being reported and my report was updated. XXXX, however still has not updated my report. I contacted them several times without an answer. Please help me resolve this issue as soon as possible.
Consumer complaint received 2019-04-20
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. (MO)

These accounts I'm disputing does not belong on my credit report for the simple fact they do not belong to me. I'm demanding that the 3 major leading credit bureaus remove them immediately. If the reporting agencies can not share their Method Of Verification with me as my consumer rights in accordance with the FCRA laws then these accounts shall be blocked immediately. The accounts are, XXXX XXXX XXXX {$1500.00}, XXXX, and XXXX XXXX.
Consumer complaint received 2021-06-18
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: EQUIFAX, INC. (FL)

There are 13 accounts on my credit report from all three bureaus that are not mine and I have been disputing this since the beginning of the year and nothing seems to be happening these accounts do not belong to me they are not mine I dont knwo how else to do this!!!! 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account
Consumer complaint received 2021-06-21
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. (MD)

We have not been able to get the XXXX XXXX XXXX XXXXt form EQUIFAX, and this has been the case for almost an entire year. As well, my wife is not able to get the XXXX XXXX XXXX XXXX XXXXrom EQUIFAX with her BAN not being in place for as long as mine. 

We've also have not been able to register for the paid and direct access to our Equifax credit reports using Equifax.com. They have banned both my wife and myself from getting FREE and downloadable reports, but instead links us to Equifax site that ask us to provide documentation of various forms of ID and they will send us the reports. This request from them is not going to happen, because our sole purpose to to XXXX XXXX XXXX XXXX is to make sure we are getting the SAME report that the banks and lenders get when they pull credit. The Myequifax.com that they have restricted us to use for our credit reports DO NOT contain the same data thaXXXX XXXX XXXX XXXX contain, nor does Myequifax.com allow the same access that Equifax.com allows. 

So that is what we have been opening multiple CFPB complaints asking to have the restrictions removed from our Equifax credit access and reporting. Please see listed previous complaints on this ( XXXX -- XXXX -- XXXX -- XXXX XXXX Equifax has been consistent in keeping the restrictions for the both of us in place, and has chosen instead to indicate that they have contacted the provider, as if they need permission from another company to allow us full access to the same credit reporting they allow the banks and lenders access to. The request to register as a couple is based on their family plan paid access. I was once registered to the Equifax.com and was booted off and told that I had to use to Myequifax.com and that was the case for all consumers. And was also told that only the businesses were allowed to use the Equifax.com to late find out that was not true. 

Why is Equifax keeping us from seeing what is being reported to the banks and lenders but instead has only allowed us access to myequifax.com only and has also blocked us from receiving the XXXX XXXX XXXX XXXX.?
Consumer complaint received 2021-06-18
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: Westlake Services, LLC (MS)

I look at my credit report and seen 80 inquiries on my report for XXXX  thats not mind! From XX/XX/XXXX-XX/XX/XXXX
Consumer complaint received 2022-08-02
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. (FL)

The term " investigate consumer report* means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information, The did not do this, Also, they have violated my rights even more in accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1631 secton 602 A States I have the noht to orvacy 15 U.S.C 1631 Secton 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructor. I didnt give anybody written instructions
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (KY)

I have been a full time enrolled student at XXXX University since XX/XX/2019. I applied for the grant and loans and was approved on XX/XX/XXXX. I was told I would recieve 2 seperate checks one in the amount of XXXX and another in the amount of XXXX within 10-12 weeksre from the date of being approved. However XX/XX/XXXX my 12 weeks will be up and I havent recieved anything yet. I keep contacting my sfa, and my ssa and everyone i can at the school but they tell me they are waiting on the department of education to release the funds to them then as soon as the get it I would recieve the rest in the above amounts for living expenses. I decided to contact the department of education financial aid and was told as you can see in the chat below that the funds was sent to XXXX XXXX college the next buisness day after they recieved it. According to the college they have not recieved anything yet. I just want straight answers and I am not getting them. I have talked with other students and most of them recieved theirs already within like 6 weeks and only 3 others besides myself havent recieved anything yet. Please help!!
Consumer complaint received 2021-06-18
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: JPMORGAN CHASE & CO. (NY)

JPMCB CARD XXXXEvaluate this reporting by making a revision on the information provided. Modify and perform any corrections or withdraw this from my personal file. 

JPMCB CARD XXXXYou are reporting inaccurate information on this account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

JPMCB CARD XXXX You are allowing an inaccurate history of this account to be reported. Please investigate, gather documentation proving accuracy, or delete this from my credit report.
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: Bread Financial Holdings, Inc. (FL)

In accordance with The Fair Credit Reporting Act XXXX  account COMENITYCB/Victoria XXXX has violated my rights.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.