davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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 Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX, XXXXXXXX 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 2022-09-26
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. (NY)

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. 

Account Name : # XXXX, XXXX XXXX ha

s 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 that a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-10-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (NY)

The reason for my complaint today is because I have faxed Equifax on several occasions my drivers license and Tax returns in an attempt to Permanently remove the Extended Fraud alert on my file and to update my current addressXXXX XXXX XXXX XXXX FL XXXX. 

They claim that they have not received my fax and are asking me to re-fax the information to them. I am attaching my Tax returns to this complaint and my drivers license that shows my current address that I am wanting to be updated.
Consumer complaint received 2022-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (GA)

Relocated to another state and received the final bill of {$400.00} on XXXX that would fall due on XX/XX/XXXX. Paid the entire bill on XX/XX/XXXX, but the balance was sent to LJ Ross Associates for collection on XX/XX/XXXX although the bill was paid on XX/XX/XXXX. A representative told us we had 60 days to make the final payment before it would even be sent to a collection agency, so we paid it before the 60 days past due mark. 

The collection agency and XXXX ( XXXX ) have been going back and forth about this since XXXX, and since then, the collection agency has now put this balance on my credit report, and it is being reported to all 3 reporting agencies although this was paid on XX/XX/XXXX, and it should never have gone to a LJ Ross Associates. LJ Ross Associates has constantly received information from XXXX stating we owe the {$400.00}, but when we call XXXX, they state we paid it on XX/XX/XXXX and it should have never gone to an outside collection agency, and they say they have been sending information to LJ Ross Associates showing that we paid the balance on XX/XX/XXXX. This is frustrating and all the while, it has caused my credit score to dip over 20 points. 

Please help!
Consumer complaint received 2022-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I have no idea what it is and why its on your report and I want proof of who they are not some random bill that can be from anywhere due to fraud, I never received anything from the company or who they are and For resolution remove this fraudulent company off my credit report.
Consumer complaint received 2022-12-07
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

I am being charged overdraft fees for payments that did not take my account into overdraft. 

It is because the bank is holding onto the payment and processing it says later than it was authorized. 

I have contacted Well Fargo to request refunds and I am told that there is nothing that can be done about the issue.
Consumer complaint received 2021-06-07
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. (SC)

On XX/XX/2021 I sent a letter regarding my rights that were violated on behalf of the consumer reporting agencies and it has been 60 days later and I have still not received a response. This is really disheartening and Im starting to feel like Im being taken advantage of and my disputes are being ignored. The law specifically states in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately be removed from my credit report and its been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the embarrassment of my reputation and the stress this has caused me.
Consumer complaint received 2018-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (NJ)

Incompetent Discover card prepared a letter dated XX/XX/2018 on case number XXXX claiming based on new information received that they are applying the disputed amount back to the account based on new information received. There was NO new information attached to the letter it was the same old information submitted previously by the merchant.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (MN)

Having issues with unauthorized inquires on my Experian credit profile am subscribed to Experian monitoring services. it is noted across all three credit bureaus that i was a victim of my data being stolen from XXXX data breach. Experian remove all hard inquires that's not connected to any open account 's on my Experian profile. 

1XXXX XXXX 2XXXX 3XXXX XXXX XXXX 4XXXX XXXX i was recently denied a line of credit because of these unauthorized hard inquires. also my phone number that's on file with Experian is being flag by lenders for some reason. also please fix this error asap
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (CA)

Early warning system has kept me from opening checking accounts. Under 15 U.S.C 1681section 604 a states a consumer reporting agency can not furnish a account without written instructions. I owe no money and they won't delete me from their system.
Consumer complaint received 2018-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (WI)

I have an auto loan with Wells Fargo Dealer Services. Due to financial hardships I have fallen one month behind and struggle to catch up. I literally work 3 jobs in an effort to catch up on my bills. I have explained this to them repeatedly and have been in constant communication with them on a monthly/weekly/daily basis to set up payment arrangements and work with them. I told them that even though I will always be a month behind, I consistently pay them. They refuse to defer a payment too. Even with these explanations and arrangements, they continue to call on a daily basis ... sometimes several times a day. It is upsetting and it is harassment. It would be different if I was ignoring them ... but I have continually communicated with them. I managed to make a payment last week, and made another one today. But I am currently 4 days late. I can't pay them again, until this same time next month. Even with being only 4 days late ... They are still calling! It is a bit over the top. Especially when you consider all the money they are making on my late fees! I sure wish I could put my name and account number here so when you send comments to them and will know who it is. They sure don't listen to me when I explain and ask them to stop calling 24/7. It won't bring the money any sooner. Obviously if I had it I would pay it! Not an easy group to work with that is for sure ....
Consumer complaint received 2022-10-21
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: AMERICAN EXPRESS COMPANY (GA)

To whom it may concern : There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Inquiries : 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look Forward to hearing your response. 


Thank you XXXX XXXX
Consumer complaint received 2022-06-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IN)

Called Carrington Mortgage to apply {$19000.00} to my principal which according to the customer service rep was the max daily amount. I was very clear about principal only wit the rep and his manager. I was told that {$9900.00} was the max daily on their app but they were able to process {$19000.00} with a customer service rep. 

This was spread over XXXX payments including principal, interest, and escrow. Not the intended purpose whatsoever. 

Today is day XXXX with no resolution. They have set several target dates to have this resolved and those dates have passed, and it has not been resolved to date. Another payment has been processed ( standard monthly auto withdraw ), so I can only assume this was processed against the current principal balance which is wrong, causing even more confusion. 

I've contacted customer service 9 times since XX/XX/2022 and get the same result every time. It's in process..
Consumer complaint received 2022-06-06
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-01-07
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. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NY)

XXXX DID NOT provide me with the service expected from a car rental company. 
The car failed to start on the morning of XX/XX/2020 which was the date of the car rental return and my flights back to XXXX. I called the XXXX customer service number listed in my rental agreement to get help and no one answered. I then had to take a taxi at my own expense to the airport car rental counter where they provided me with a XXXX Emergency number. Upon calling the XXXX emergency number, XXXX sent a mechanic to fix the problem but I needed to be present physically. The mechanic took approximately 2-3 hours to reach my location which made me miss my flight. I had to purchase new flights to XXXX in the amount of {$2400.00} USD. 

XXXX provided me with a defective car and then failed to provide me with a proper, timely solution in order to catch my flights to XXXX. Instead, they made me miss my flight, which then, I had to repurchase at a premium cost ( {$2400.00} USD ). 

The company XXXX-XXXX XXXX  still went ahead and posted a charge in my Chase Sapphire Preferred account ending in XXXX on XX/XX/2020 in the amount of {$440.00} USD. I called XXXX in XXXX XXXX to get a refund for this amount to no avail. I contacted XXXX  in the USA and I was directed to contact XXXX  in XXXX XXXX to resolve the problem which I did to no avail again. 

I submitted a claim and all relevant documents to Chase to credit me in the amount of {$440.00} which Chase refused to do and instead sided with the XXXX.
Consumer complaint received 2018-05-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: ALLY FINANCIAL INC. ()

Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX Bank, XXXX. 
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non XXXX XXXX However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information Ally Bank does not cooperate in the process or returning those funds. I have already submitted a complaint on XX/XX/2018. Ally Bank 's response was that the money was received on XX/XX/XXXX, rejected and returned on XX/XX/XXXX. However, until today, XX/XX/XXXX, I have not received the money back. I will attach a screenshot of my account statement as of today XX/XX/XXXX. I will attach the original transaction and Ally Bank 's response to my first complaint. 

Essentially it looks like I am being lied to as any money sent or " returned '' from US on XX/XX/XXXX should have been posted in my account long ago. This was confirmed by my XXXX bank. They have never received any funds back. They've been trying to get in touch with both XXXX and Ally Bank about this issue and did not receive a reply.
Consumer complaint received 2022-12-07
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: Experian Information Solutions Inc. (NV)

XXXX. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS EXPERIAN and myFico because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Consumer complaint received 2021-06-06
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. (FL)

Please remove the late payments still showing on my credit report from MACYS/DSNB. I believe the credit was they citibank at the time the servicing errors were made but it is showing dsnb on the report. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed. I am also currently impacted by covid19. This is old debt and is no longer collectible due to the statute of limitations. Also the amounts were wrong and inflated. I tried for several months at the time to correct this with the phone team. However they got real mean and refused offer a remedy to the situation. Placing me on long holds and even shouting at me when they asked my political affiliation and I mentioned trump. They really got malicious with the hold time and then sabotaged the account with fees. The fair debt collection practices act was not followed at all. It is shameful the XXXX XXXX XXXX who work in these call centers. They are all so XXXX and XXXX, totally inept. Please remove all derogatory reporting for all credit reports and mail me a letter confirming this as well. Please remove all the late payments that were reported. Do this for XXXX XXXX XXXX XXXX. I recorded some calls for court and saved all the documents. Please do the above in a timely fashion to avoid civil lawsuits. XX/XX/2017, XX/XX/2017, and XX/XX/2017 late payments currently showing on credit reports needs corrected and removed.
Consumer complaint received 2021-06-06
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. (NC)

I have received a copy of my credit report and it shows company XXXX  XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2017-02-12
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Cash Express, LLC (KY)

Cash express in XXXX TN. Is there number XXXX XXXX XXXX. They will not accept my payment demand me to have my payment of XXXX besides the XXXX that i originally make my payment on the XXXX of each month Cash express knowledge me that starting in XXXX they will be offering flex loans and my loan will need to be changed over to it if I did not have it paid off by then. 
I went in to pay my payment they refused it cause my income was not income and told me they can not accept my income that was on paper cause my employer does not have a landline business phone number ... ...
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NV)

While I was on XXXX XXXX I was medically retired and during my last two months of service I had to sell my house and move and I listed the property and we got into contract in XXXX of XXXX. I had never missed a payment or been late at this time. The title company requested a payoff from Nationstar now renamed Mr. Cooper in XXXX and it was delivered and our closing date was set for the last business day in XXXX the XXXX. The escrow had to be extended because of delays by the borrowers lender and we weren't able to close until the XXXX of XXXX. I called Nationstar the first week of XXXX and they said the payoff demand had been updated to include XXXX payment and that I could either make the payment or it could be added to the pay off demand, we went the payoff demand way because title recommended we do that to not have to request another. 


We closed and they received their full pay off. Then I retired from the XXXX in XXXX and moved. In XXXX of XXXX I had my credit run and my lender told me I had TWO 30 day late payments for my mortgage from Mr. Cooper one for XX/XX/XXXX and the other for XX/XX/XXXX. We closed XX/XX/XXXX and the closing statement reflects that's, how was I late in XXXX by 30 days and I followed what they had told me to do and now they were punishing me. 


I called Mr. Cooper and went through their 30 day review process it took over 75 days and they only sent me a letter saying they were right. I called and asked how that was possible when I had followed their guidance and I didn't even own the house for 30 days in XXXX and they told me that they were right and there was nothing I could do about it. I explained that as a XXXX Veteran their actions were causing hardships on my family, I had NEVER missed a payment or even been late for over two years with them and they said it wasn't their problem and hung up on me.