davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
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. (MI)

XXXX XXXX XXXX has 5 accounts reporting on my credit report that should no longer be there, and the 3 CRA have not removed them. 

The amounts are as follows ; {$250.00}, {$360.00}, {$250.00}, {$250.00}, {$100.00} and {$0.00}. Please furnish an explanation for why the report is still there, or please remove. 

XXXX XXXX has an account with a balance of {$400.00} that should no longer report on my account, please furnish an explanation or remove. 

And, finally XXXX XXXX is reporting a {$140.00} account that should no longer report on my account please furnish an explanation or remove.
Consumer complaint received 2020-08-12
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: Credit Technology, Inc. (TX)

I did not authorized an inquiry from credit technology, id theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$6500.00} -This is not my account.
Consumer complaint received 2021-07-11
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

I closed on a loan with LoanCare XX/XX/XXXX but they continued to report to the credit bureaus that payments were late and the account was over 150 days delinquent. Incorrectly reported information for XX/XX/XXXX through XX/XX/XXXX. The account was paid in full from the sell of the property XX/XX/XXXX. I have attempted to contact the lender at the phone number reported on the credit bureaus however they say theres no record of an account with me in their system.
Consumer complaint received 2023-01-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

I had to do a bankruptcy in XXXX, the lawyer never sent in the disclaimer so my mortgage hasn't been on my credit report since. I tried to find the lawyer when I found out 10 years later, no luck. Wells Fargo says there's nothing they can do. I also had XXXX insurance on my loan. I have been XXXX since XXXX. They can't find my XXXX benefits
Consumer complaint received 2021-03-23
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2023-01-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (OH)

They took my money and charged me outrageous fees and interest rate I just believe that I robbed. They got me for about XXXX  dollars and I have tried getting my money back but they weren't trying to hear anything I had to say.
Consumer complaint received 2023-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (IN)

I was continuing getting calls to pay a debt on my voicemail this was during the year 2020. I call back several times to let representatives know is not true. That I had paid my debts and they have the wrong person. They continued to harrasles me.
Consumer complaint received 2020-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CT)

Fed Loan servicing I have requested by mail on XX/XX/XXXX and by phone twice, a copy of the master promissory note that involes a direct unsubsidized student loan totaling {$40000.00}. This loan was taken out in XXXX for the amount of {$23000.00} and has been sold off, refinanced, forbearanced etc just to keep the loan accruing interest. I have never been able to " qualify '' for any of their programs.I was given this loan erroneously and am now in the process of disputing the validity of this loan with the Department of Education, thus the original loan paperwork is required.
Consumer complaint received 2020-08-12
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. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-08-11
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. (OH)

I have an unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request verification of the following accounts : 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 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ) Whether or not you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2021-07-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (TX)

My account was closed back in XXXX. I received my direct deposit every 2 weeks to this account since 2018. Recently since COVID I applied for the PP program since I have a personal business I run on the side. I applied through womply and the money was sent to this account. I also had 2 disputes that were ongoing on the account, and I got a email that the funds were put back into the account. I received 2 checks from CHIME but they were only for {$0.00} and {$7.00}.
Consumer complaint received 2020-08-11
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I have been trying to refinance my mortgage with JPMorgan -- and ever since I obtained a rate lock in of 2.75 -- they have used every delay tactic so that my rate guarantee will expire. They claim they don't get communication via their chat site -- they don't read their emails -- they are now requesting their 6th set of paystubs -- and this is after verifying my employment with my firm less than 4 days ago. 

They have asked for a written explanation why my wife changed her name 14 years ago ( marriage ) They have asked me for proof that I didn't own a property that I rented almost 17 years ago ( how do you prove that you DONT own something?? ) Oh, and I've had my mortgage with JPMorgan for 10 years - my income has doubled in this period, paid the mortgage down by $ XXXX, and regularly make extra payments -- never a late payment in 10 years. 

My issue is that JPM is continually lied that they had everything, their people NEVER get back to you, and then now they are warning that the rate guarantee will likely expire -- and that I will need to get a higher rate.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair credit Reporting Act XXXX XXXX XXXX XXXX XXXX  Acct # XXXX, XXXX acct # XXXX has voilated 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 with my written instructions.
Consumer complaint received 2020-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OR)

When COVID became an issue we contacted Loancare because I had been laid off due to COVID, they were super eager to help me sign up for a forebearance. Told me the process, got it done. Assured me that once I was back to work all I would have to do is notify them, they would do a loan modification and add the payments to the end of the loan, essentially extending the term of the loan. I only needed the assistance for 3 payments, I went back to work and notified them. I was then told to fill out an application to get the process started to modify the loan, I did that. I rec 'd an email stating it was being processed. Never heard anything else. Went online, made my next payment, assumed everything was fine. Come to find out they put me in a program that my type of loan did not qualify for. Now they have locked me out of making payments on my account and will not take any payments unless I make 3 payments right now. I am on hold right now and have been for over 45 minutes waiting to talk to someone else. Last week we were told it wouldn't be an issue to make any payments because they were just still in the process of processing my application. So now they have marked me as in default. Oh and, they just hung up on me
Consumer complaint received 2020-08-07
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. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC. (VA)

I had a Ollo credit card that, it turns out, was issued by the XXXX XXXX XXXX according to the Ollo agent I spoke with on XX/XX/XXXX. I didn't use my card that often ; the last time was a few months ago, because it has a very high interest rate. In fact, I had to transfer a balance using a personal loan last year because the interest rate was over 30 %. Today I was looking to make a purchase with my Ollo card but it turned out that the account was closed. I looked through my emails and there were none from Ollo Card indicating that this would happen or that it had happened. The online Ollo " message center '' also did not include any messaging indicating my account would close if I didn't use, or that they had even closed it last month. I spoke to an agent XX/XX/XXXX and she told me the following : ( a ) that Ollo Card had closed my account in early XXXX ( b ) the Ollo Card had slipped into their credit card agreement a provision indicating that Ollo card doesn't have to communicate major changes to the account or impending changes to account status ( such as closure ) at all. 

That is, they can make changes to the account with informing the customer either before or after. 

Also, Ollo Card did not provide monthly statements for the last XXXX months and thus missed out on an opportunity to communicate impending changes related to my account. They did this deliberately, which was confirmed by the Ollo account rep I spoke with on XX/XX/XXXX. This was a regular practice even if I receive electronic statements. They only provide account statements in certain months of the year, which is not outlined in advance. 

This was just sort of the abusive practices that banks used to practice in the lead up to and during the housing crisis of XXXX. Its possible the XXXX XXXX XXXX ( Ollo Card ) was one of the banks that routinely failed to communicate with customers or " lost '' mail sent to them. But wasn't this practice the subject of new legislation in XXXX?
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ALLY FINANCIAL INC. (GA)

I have a loan with ALLY FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and ALLY FINANCIAL with no successful resolution. XXXX   only reporting me late. There was definitely an error on their part.
Consumer complaint received 2020-08-12
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. (OH)

I did not authorize these inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

I receive a settlement payment from workman comp compensation I sued to protect myself and I received back pay for social security comp check as well I opened my accounts with those checks I believe I was charge rates higher and monies was missing and I never bothered because I was helping my families XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS HELPING MY FAMILIES AND NOT FULLY AWARES BUT THEN I RECEIVED QUOTE UNQOTE AND DEPOSITED INTO MY ACCOUNT AND I WAS FINED BECAUSE THEY SAID IT WAS BAD THEY TOOK MONIES FROM MY ACCOUNT AND CANCELLED NY ACOOUNT AND DID NOT REFUND MY MINIES A D THEY FINED ME CHARGES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SO NOW YOU SAY I CAN RECEIVE MY MONIES BACK WE THANK YOU BUT I DONT KNOW WHAT OR IF I HAVE A LEGITIMATE COMPLAINT OR NOT SIR/ MAM???. MY ACCOUNT WAS OPENED XXXX AROUND THE SUMMER TIME I BELIEVED AND CLOSED AROUND XXXX OR XXXX AND MY XXXX XXXX, MY DL # XXXX, XXXX XXXX AT THAT TIME I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX THATS ALL I REMEMBER XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-09-04
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I WAS PUT IN THIS SITUATION DUE TO SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-09-04
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: EQUIFAX, INC. (OH)

I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.
Consumer complaint received 2020-08-11
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: CITIBANK, N.A. (TX)

Citibank best buy has reported an unauthorized inquiries on my XXXX   credit, I also have a theft report number XXXX XXXX
Consumer complaint received 2023-01-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (IA)

I signed up for a Dillards credit card through Wells Fargo earlier in 2022. I have been receiving spam texts and calls, numerous times. Ive contacted customer service to pay my bill and explain my current work situation due to a car accident in XXXX of 2022, to no prevail. This credit card is hurting my credit and a breach of privacy, unknowingly selling my personal info.
Consumer complaint received 2021-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (NM)

As of today I have received endless emails regarding my student loans and repayment even though there is a moratorium on Student Loans until the end of XXXX. Today 's email stated I was past due and the company has placed my student loans back on my credit report impacting how many accounts I have. They have failed to send documents I needed through the mail to show my name change and proceed with reducing my monthly payment and when I did call I got told I had to complete paperwork with the federal government. They refuse to help or work with me directly. The debt with them does not reflect when I pull up my federal loans and this ongoing harassment is not going to be tolerated.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CA)

This is back in XXXX  XXXX XXXX I had a checking account did they closed or stop deposits anyways prematurely and it caused me to have an account go negative into a way where the credit agencies marked my credit so bad I'm still recovering XXXX  years I'm still recovering from that credit XXXX. And so back in XXXX XX/XX/XXXX they cut me a check for {$150.00} and said they were sorry I'm not accepting that I mean I did cash check cuz I'm severely needed cuz of XXXX XXXX I wouldn't know but I did they did that rather quickly and they're the ones that initiated it they found the wrong and I think that they've done more damage than {$150.00}
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (LA)

I had Wells Fargo back in 2016 and they charged me a bunch of overdraft fees that I know for a fact that I shouldnt been charged I been trying to reopen account and they wont let me because of this..
Consumer complaint received 2018-11-21
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: EQUIFAX, INC. (FL)

In XX/XX/2018 I found a collection agency statement on my credit report. I had never been contacted by the collection agency ( XXXX XXXX XXXX ) nor by the original billing agency ( XXXX XXXX XXXX ). I contacted the collection agency and immediately paid the bill in full. I contacted XXXX XXXX XXXX  and they acknowledged that the billing had " slipped through the cracks '' and that this happens with some regularity. The account number ends in XXXX and the date of delinquency is XX/XX/2018. 
I contacted EquiFax and informed them that of the facts. They simply replied that it went to collections and is therefore reportable. 
This is a medical bill which was never sent to me, and is therefore not reportable. It was also immediately paid and by the law is also not reportable. 
This has negatively impacted my credit score and I want it removed.