davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-03
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)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX Balance {$5200.00} ; XXXX XXXX XXXXXXXX XXXX Balance {$400.00} ; XXXX XXXX XXXXXXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$1100.00} ; XXXX XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, MA ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/ ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-03
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. (FL)

This debt is way too old to be on my report and has been dismissed. It should not be on my credit report. The company removed it from only 1 credit reporting agency. Please remove it from all credit reporting agencies. Equifax, XXXX and XXXX  need to be notified. Its been an unreasonable amount of time. Its an uncollectable debt. I am currently also financially impacted by the covid19 disaster and florida hurricane ian and nicole. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX  complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for XXXX XXXX. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the females who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. Equifax, XXXX and XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you. Please provide your companies legal addresses as well for my demand letters, subpoenas and attorneys correspondences. I can not speak on phone due to a XXXX so please note this and respond by hard copy mail.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

In XXXX, 2022, I received Citibank convenience checks from Citibank that I could write against my Citibank credit card ending in XXXX for an amount up to the credit limit of {$18000.00}, good until XX/XX/2022. I wrote the Citibank check for {$17000.00} on XX/XX/2022 and deposited it electronically. The check cleared a few days later and I started using the money. About {$5000.00} of it went for a down payment on a home I will be renting in XXXX and the rest was deposited into my savings account. On XX/XX/2022, I got an email that my Citibank check bounced for insufficient funds. My checking account was negative {$16000.00} so I looked at my Citibank credit card ending in XXXX and noticed that the {$17000.00} was not debited. As a result of this, I applied for a flex loan against the same card, XXXX, for {$18000.00} to be deposited into the same Citibank checking account and was immediately approved. At this point my account was frozen and I no longer had access to the account. I made many phone calls to Citibank, and no one could help me. I visited my local branch and learned from my personal banker that the money in my savings account was moved by Citibank to cover the negative balance in my checking account. The balance, however, was still short {$4900.00}. On XX/XX/2022, my paycheck of {$5800.00} was direct deposited, and I learned again, from visiting my local Citibank branch office that the negative checking account balance was no longer negative as a result of the direct deposit. It was now approximately + {$900.00}. I also learned that my flex loan of {$18000.00} was deposited into my Citibank savings. In the meantime, I was told that I must come into the branch office to pay the loan on the {$18000.00} for as long as the account is frozen. I would like to return the {$18000.00} flex loan to the XXXX credit card and get the remaining money back from my checking account.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Wealthfront Corporation (NC)

I opened a cash account with Wealthfront. I transferred several XXXX XXXX dollars into that account. I then tried to transfer an additional {$100000.00} into that account. When I went to transfer the money it said I would be transferring into " an investment account ''. That was the default setting for the transfer and I proceeded to transfer the money because as far as I knew I only had a single account at Wealthfront. The next time I logged into my account I saw that an investment account had been opened and instead of going into my cash account the money went into an investment account that then had been invested in various securities that I didn't approve. When I contacted the company they told me this investment account had been closed since 2015 when all of the money was transferred out of it, but this new transfer into it caused it to re-open automatically and automatically invest again. Then they changed their story and told me later that in fact the account had stayed open for 8 years, despite no money in it. This account did not show up in any profile of mine and they have not been providing me any updates, reporting or other compliance activities related to this account for 8 years. I can not understand how they can say this account has been open for 8 years with no notices, notifications, information, changes to policies or privacy settings or anything for 8 years. I have to believe there are requirements for notifications, including tax documents, etc. if you have an open brokerage/investment account with an institution. Again, they first claimed it had been closed in 2015 and was re-opened. Then they claimed no, it had been open this whole time. Ultimately, I was trying to transfer funds into a cash account but because of the way their website is set up, the default setting said " investment account '' and I didn't recognize that was referring to another account because I had not had an active account with them for 8 years. I believe the design and intent of the website is misleading at best and possibly intentionally so.
Consumer complaint received 2022-07-02
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: Self Financial Inc. (CA)

Self-lender INC still refuses to remove the late payment despite sending official correspondence that they would request the deletion of the late payment due to my excruciating circumstances. I have contacted them numerous times and have not been met with a reply. Please see the official correspondence showing their response to the matter from a previously resolved CFPB complaint regarding the deletion of the late payment of all three of my credit reports.

I have also attempted to dispute this by sending it to the credit bureaus, to which they have come back saying Self Lender does not want to remove the late payment. This late payment has caused me extreme stress as I am still locked out from obtaining the ideal mortgage rate for my family and me.
Consumer complaint received 2022-09-22
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. (AL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc. (MD)

I've tried to opt out of pre-screened credit offers from XXXX but the website seems to be built to have you opt-in without realizing it. The form they use is ambiguous until after you hit submit, and then when you try to find the opt-out option they keep routing you to a page that says you have to use a specific form to opt out by mail. There is no opt-out form on the website, and they tell you that you can't opt-out by mail. The site spins you in circles until you become frustrated and give up. You get sent to XXXX from the Innovis website. I believe they make it impossible for you to opt out of these credit card offers to make money from the card companies by funneling consumers to them.
Consumer complaint received 2022-07-02
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: NRA Group, LLC (PA)

In accordance with the Fair Credit Reporting act National Recovery Agency # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION (FL)

I have a private student loan with Sallie Mae and dealing with this company has been a nightmare. Agents from Sallie Mae have contacted my job and family members ( family members not associated with my account or loan ) all under the guise that " they are trying to get in contact with me '', which is not true. They have taken unauthorized payments from my account which were never returned. This entire experience has been traumatizing and extremely stressful. I'm convinced that their tactics are intentional and lead to emotional distress. Their corporate office is completely unprofessional. Specifically, my MOST unpleasant experience has been with their corporate account specialist XXXX XXXX. He is completely unprofessional and absolutely intolerable. He is rude and condescending and his attitude is completely disgusting. He uses intimidation and insults as a means of negotiation. I am so frustrated with how this is being handled that I am prepared to take this to litigation. I have asked on NUMEROUS occasions to be assigned to another account manager and he has made it his joy to terrorize me weekly. I have even said on NUMEROUS occasions that I would be willing to settle if I had another account manager. At this point, he's a bully and it's very clear that Sallie Mae does not listen to their own phone call recordings. Sallie Mae is the ABSOLUTE WORST!
Consumer complaint received 2022-09-22
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. (GA)

I have sent letters to all three credit reporting to have investigate the in accurate information being report. 

on all three reports XXXX XXXX is reporting that I paid as agreed from XXXX XXXX 2019 but, in XXXX it reports I was 60 days late and in XXXX and XX/XX/2019 the vehicle was repo. This information is inaccurate and should not be reported on my credit. 

The are also reporting this as a charge off but, stating I owe a pass due amount of {$9300.00}
Consumer complaint received 2022-12-03
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: Synovus Bank (OH)

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-09-22
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. (NC)

I have been trying to get all three credit bureaus ( XXXX ) ( XXXX ) ( Equifax ) to take these four things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX XXXX  XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Credit Reporting act XXXX Account 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2022-07-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I received a loan modification in XXXX or XXXX and was making payments. I received an offer to place my monthly payments on hold because of COVID 19. The payment were suspended for a period of 1 year. I received a call a year later demanding all back payments to be paid in a one lump payment. I explained that I was XXXX  year living on a fixed income and could comply with those demands. I requested a loan modification. the sent mailed a package out i submitted it an the after 6 months or longer the denied the modification.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-09-22
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 the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 USC1681 section 602 A. States I have the right to privacy 15 USC 1681 Section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agencymay make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has r4easonable cause to believe that the information is inaccurate
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc. (CA)

I have been contacted multiple time via phone call from this company regarding a debt they are trying to collect. I notified IC systems Inc. to no longer contact me through phone call but to contact me and validate the debt via mail they have failed to validate the debt it has been over five days since they have sent return receipt. And they just updated the collection to a chargoff when I notified them this is obscene profanity language being used and they are harassing me causing my anxiety to spike which leads to XXXX. I am trying to rent a home and this adverse information is causing my pain and suffering
Consumer complaint received 2022-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Klarna AB (FL)

I have an account with Klarna under email : XXXX with phone number of XXXX. For several months I have been unable to update or log into the app to make payments or update my address. It requires both on the website and in the XXXX XXXX that there be a code sent to my phone to verify. But it never sends the code. I would like to update my address you have an old one. Please fix the login errors I am having so I can manage the account. All of this happened after getting in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a scam and fraudalent company. The debt amounts are wrong and the servicing was struck by civil fraud. They refuse to give me copy of the chat inquiry transcripts, email transcripts etc. The hold time for a phone when i tried to call with attorneys and law enforcement is well over an hour hold time. This is an illegal scam to get back at me. Attorneys will be involved. Interogatories and subpoenas for individual employees will be served as well. Please provide how and where i can send my demand letters. Please update my address from : XXXX XXXX XXXX XXXX XXXX, MD XXXX to my current address of : XXXX XXXX XXXX XXXX, FL XXXX. Please not i have a XXXX and can not speak on the phone so need instructions by hard copy printed mail or email. I need to be able to login. All oversite agencies will be notified as well as the governor of florida of this illegal unlawful login issue that is causing this debt to be uncollectable. Provide written instructions and where to send subpoenas.
Consumer complaint received 2022-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

on more than one occasion i have made deposits to my chase bank account, and the bank turned around and said the check i was depositing was a bad check. the first time it happened, it caused my account to get overdrawn and bounced payments for bills. when all was said and done, the original deposit which was around XXXX wound up being about XXXX XXXX less due to bank fees late fees overdraft fees etc. and in turn caused bills waiting to get paid to not get paid but rathjer to just overdraw my account. the check was a good check, and had they not made their error i would not have had these erroneous fees charged to my account. the most recent instance occured when i deposited a check just under XXXX the check i believe was for XXXX XXXX the bank said the check was no good and sent it back. the check was written to me from my dead mothers estate. my mother died a couple years ago in a nursing home due to negligence on the staff of the nursing home. the nursing home was found guilty of negligence and fined by the state of illinois. they also lost a lawsuit our family had against them for wrongful death pain and suffering and negligence. the check i had attempted to deposit was a check my sister had written to me from my mothers estate account. the attorneys had sent a certified check to my sister which she in turn deposited and the check she wrote me that i deposited, chase bank said was a bad check. i was then told by the bank that holds my mothers estate account that i would have to wait two weeks for another check to deposit. as you can imagine, this caused a flurry of more bank fees, more random charges, more illicit fees. and also a bank account if i deposited anything to would eat up money meant for bills to be absorbed by the bank for their fees. i have proof of both these checks and more instances where things have happened with my account where chase is literally stealing my money. hopefully you can offer some assistance in this matter as i am at my wits end.