davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (FL)

On XX/XX/2019 I applied to a Easy Checking account at US Bank online.My application was decline without any reasons and I supposed to receivea letter from US Bank within 10 business days with explanation  for declining my application.While I was waiting, I received an email(attached) regarding my applicationbut still no letter.Tried to contact US Bank by  phone, but couldn't get much information ether.I felt discriminated by US BANK, as I don't see any valid reasons for declining..To date, I haven't received any communications from US Bank except for the email and a text message.
Consumer complaint received 2019-09-10
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. (GA)

XXXX and XXXX has removed my bankruptcy chapter XXXX it was dismissed. After a chapter XXXX has been dismissed it should only be on your credit report for 7 years. That is why XXXX and XXXX removed it. I have written to the address that they have given me on my credit report and it came back stating that they do not send out your information. I have Frozen my XXXX report which is a third party credit reporting company so I'm told on my credit report. So they tell me on my credit report to refer to the address on it and in other words they tell me that XXXX provided this to them I'm confused.
Consumer complaint received 2020-12-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc. (MS)

On XX/XX/2020, I wrote a letter to America 's Car-Mart asking them to provide proof of legal notices that they were required to send to me after the repossession of a car. I received none of the notices that were required. They responded with a letter dated XX/XX/2020 stating that they had reviewed the account information, however, they were not able to locate the account and asked for identification. I responded with a letter asking them to delete the account that is being reported on my credit reports because they can not find the account on XX/XX/2020. I also sent them a copy of my driver 's license and social security card. On XX/XX/2020, America 's Car Mart responded with a letter basically telling me that they do not validate account information. I was not asking for validation. I asked for proof of legal notices being sent to me since they are reporting a repossession on my credit report.
Consumer complaint received 2019-01-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

I sent in a {$2000.00} mortgage payment to my old servicer ( di-tech ) and the check was cashed XXXX18. Upon realizing I sent to wrong servicer ( my correct and current service is XXXX XXXX ), I called di-tech  to initiate a refund. I was transferred around, spoke to numerous supervisors, and have still not received my XXXX back after 30 days now. I had been promised calls back, gave them my checking account info to refund the , but have still not received my money back. I'm getting the run around, not being assisted, the wait times are extremely long on calls, and the customer service and problem resolution is terrible.
Consumer complaint received 2019-09-10
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Finance LP (TN)

I have late missed/late payments on my credit report from XXXX, XXXX, and XXXX of 2018 that were reported by Selene Finance. I have NEVER once been late or missed a payment. I have contacted Selene Finance by phone, certified letter via USPS, and email to get this issue resolved, yet my problem remains. I initially contacted them in XXXX of this year in attempt to get them to correct the issue. These late payments are hurting my credit worthiness in a drastic manner.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (IL)

My acct has perfect payment history except 4 payments that were marked as 30 days late when they shouldn't be.  These are 4 payments in a row XXXX, XXXX8 and XXXX they were NOT, this is severely effecting my life and me getting new credit.  Please adjust these immediately i just recently saw for the first time in years my credit report due to being denied for an apartment bcs of my score and these late payments.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In, XXXX through XXXX, I reported information to each 3 credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies 1.5 years ago.
Consumer complaint received 2022-08-27
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. (FL)

The accounts listed on my consumer report contain late payments. I have disputed this with this burau and have not been sent any proof that the late payments are accurate. I was never late with any payments. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wouldn't this be considered an experience Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-08-27
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: GOLDMAN SACHS BANK USA (MI)

I, XXXX XXXX, the consumer, have contacted GOLDMAN SACH BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. GOLDMAN SACH BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. GOLDMAN SACH BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. GOLDMAN SACH BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )
Consumer complaint received 2021-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Paypal Holdings, Inc (DE)

Upon deciding to purchase 2 XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX, I called VENMO ( Merchant ) and XXXX XXXX  ( CC issuer ) to confirm I had protection in the event something were to go wrong with the transaction, XXXX and VENNO both confirmed no problem, " we have you covered '' via the dispute process. Therefore, I proceeded with the purchase and paid the seller via VENMO using my XXXX card. Payment 1 for bench 1 was paid on XX/XX/XXXX, {$270.00} ( {$280.00} with fees ) and payment 2 for XXXX  2 on XX/XX/XXXX, {$290.00} ( {$300.00} with fees ). After XXXX XXXX ( seller ) received payments, he did not send the XXXX  and updated on XXXX  messenger that he received my payments but, unfortunately, could not afford to ship due to personal financial constraints. I immediately contacted XXXX, XXXX, and, VENMO. Subsequently, I got the money back but a few days later was charged again. All of these companies assured me that I had full protection with this transaction but have turned their backs on me responding " there's nothing we can do. '' I'm an XXXX  card holder with XXXX, spending several thousands of dollars using this card and now getting no help from them whatsoever. In fact, the " office of the president '' called me 2 weeks ago asking that I return the call. I have tried no less than 10 times to reach XXXX at the " office of the president '' and can not reach her. 2 weeks after the fact, she called my mobile number at XXXX at night and I missed the call. There is no consistency as to when XXXX XXXX return calls and I'm never able to reach a live person. The CSRs at the general number as well as the dispute department will not give out any information other than XXXX ( XXXX ) will call you shortly. 2 months after the fact from the original payment and the seller continues to hold my money and advertise on XXXX and use VENMO. After I threatened the seller telling him to return my money, he sent me 2 broken XXXX that need to go into the garbage. Long story short, XXXX assured me that I had full protection using VENMO as the merchant and now they are doing nothing to recover my money after receiving 2 broken XXXX XXXX
Consumer complaint received 2021-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Dealer Services incorrectly reported information to all the credit bureaus which has negatively affected my credit scores. THEY DID NOT PROCESS THE TOTAL GAP LOSS CLAIM, as identified in their letter to me dated XX/XX/2020.
Consumer complaint received 2022-09-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (FL)

XXXX literally blatantly told a lie and stated Santander verified the debt as accurate when they just told me that they can not find the debt. So someone is lying personally I do not care who is lying. I attached both repsonse which doestn make sense because how can they be verifying the debt with XXXX but telling me that they can not find or locate the debt.
Consumer complaint received 2022-08-27
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. (TX)

XXXX, Equifax, XXXX You are reporting a collection from XXXX XXXX for XXXX XXXX XXXX XXXX bill that I know nothing about I never lived at the billing address don't know anything about it as you can see they have NO contract with my signature and nothing but a bill they state that it is verification, and validation you know as well as I do that is not the case I have lived in Texas for about 20 years. They state section 809 serves as compliance per my request that is false I never request that no identity theft I requested 15U.S.C.1681a { e } as well as others listed in documents they refused to comply Remove this unverified ; none validated account from my credit report Enclosed are the documents
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (IL)

Called my brother looking for me and told him that they needed to reach me due to a complaint that has been filed against me. I had never spoken to this company before or received a letter. I called them and they told me I owe money from overdraft fees on a US bank account from XX/XX/XXXX for about 2100 dollars. She said that it was sent to collections in XX/XX/XXXX resulting in it still falling within statue of limitations. I asked for another letter since I didn't receive it and she said it was too late because I was in process of getting sued and I need to pay XXXX dollars in 3 days and then XXXX dollars a month til it's paid off. I know they violated the fair credit reporting act by giving a relative information. They also will not mIl me anything and I cannot find information about the business at all. They claim to be XXXX XXXX XXXX with phone XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation (WI)

The XXXX XXXX account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.
Consumer complaint received 2022-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: R.M. Galicia, Inc. (CA)

This debit is being reviewed with the health insurance company the XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
This is a surprise medical bill from XXXX XXXX. I was rushed to the emergency room on XX/XX/2020. The entire time I was in ER at XXXX I was on morphine for pain. I was not in a state of mind to sign any documents, I did relay that to the staff in the ER. I stated that I do not have the funds to pay for the emergency room stay and told the nurses that I would like to leave. I did not expect that I would be rushed into XXXX because of my appendix. After the XXXX, I stated that I would like to go home because I knew that the hospital bill was going to be too expensive. The staff at XXXX XXXX stated that due to XXXX XXXX I can not have any family members come to the hospital and the doctor can not discharge me until a post-op test. 
Someone from the financial department with XXXX XXXX talked with me and told me to sign paperwork that I was not in a state of mind to sign. I recall telling her that I do not have money to pay for the emergency room visit. The staff stated that the state of California insurance should help with some of the cost. This bill was sent to collection for {$38000.00} it was a result of an emergency procedure when I was rushed to the emergency room in XXXX this was not expected I was told that my insurance would be able to cover the cost of some of the cost because I had no income at the time and was on the state of California XXXX plan. I am still in talks with XXXX about them covering some of the cost of this medical bill. I am protected against this surprise medical bill because I have coverage through XXXX. 
XXXX XXXX sent the medical bill to a collection company XXXX XXXX which continues to report a new amount every month.
Consumer complaint received 2019-01-15
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: M&T BANK CORPORATION (NJ)

M & T is giving me a hard time while I try to apply for a modification when it comes to proving my hardship. People suffer hardships at all points in time. I have XXXX XXXX XXXX, was denied for XXXX in 2016. I have done a lot to turn things around for myself since I suffered my hardship in 2016. I started my own business, opened a bank account, got a roommate, and I have been supporting my nephew to get through college. Further, I have been paying my overdue through bankruptcy court. I am more than eligible for a modification and I am fully prepared to start paying a mortgage payment. Lastly, I have provided all supporting documentation to M & T as proof of my hardship as they requested.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

More than {$24000.00} were wire transferred out of my business checking account. I have been dealing with Wells Fargo since the day it happened. That was on XXXX second. Today XX/XX/XXXX I received a letter from Wells Fargo saying that they can not refund the money to me. There were other 2 fraudulent chqrges one for {$1000.00} and one for {$800.00}.
Consumer complaint received 2020-09-26
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. (TN)

XXXX charged off my account 5 years ago but reports 30 days late every month thereafter. The account is closed and can not reported as late, just a collection is the only thing. Basically, the bureaus are allowing companies to suppress the credit worthiness of consumers so that the bureaus can get more subscriptions for companies being able to charge higher rates. 

XXXX XXXX XXXX XXXX  also reports a charge off 5 years ago and then a 30 day late every month to further destroy my credit. Then they will not provide a contact number that works to discuss the dispute.

I went to dispute a Tn Dept. of Human Services for 30 days late and XXXX  will not let me dispute. Tn Dept. of Human Services is not a collection account as being reported by XXXX  and has not been late.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called XXXX  and Equifax and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
Consumer complaint received 2022-08-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Dear Equifax : I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX The status date on this account is incorrect, please remove it. The date opened doesnt match the date opened on XXXX and XXXX. therefore I would like this account to be removed and cleared from my credit report. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX * XXXX has already deleted the account due to the dates not matching.
Consumer complaint received 2022-08-27
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 REGARDS TO MY COMPLAINT # XXXX SUBMITTED XX/XX/2022, THE COMPANY 'S LETTER IS UNRESPONSIVE TO MY REQUEST. EQUIFAX IS IN A WAY THAT IS EXACT AND CLEAR, OBLIGATED BY LAW 15 U.S.CODE SECTION 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION. TO SHOW PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS IN MY FORMER COMPLAINT, SUBMITTED ON XX/XX/2022. SECTION ( B ) OF THAT LAW STATES, THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT SUCH INFORMATION IS INITIALLY DISCLOSED, AND ( C ) THE CONSUMER IS GIVEN AN EXPLINATION OF HOW THE CONSUMER CAN EXERCISE THAT NONDISCLOSURE OPTION. XXXX IS CLEARLY DEFLECTING FROM THE MY REQUEST AND WILFULLY BREAKING THE LAW IN THEIR RESPONSE. I AM AN XXXX AMERICAN WOMAN WHO IS AWARE OF HER RIGHTS, AND I REFUSE TO LET THIS COMPANY TAKE ADVANTAGE OF ME. I AM DEMANDING PROOF OF MY CONSENT IN REGARDS TO THOSE ACCOUNTS ALONG WITH MY NONDISCLOSURE OPTION, ENOUGH WITH THE FILIBUSTERING TACTICS.
Consumer complaint received 2022-04-25
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I was reviewing my credit report and noticed a couple hard inquiries that I do not recognized or gave consent to. 

XX/XX/21 - XXXX XXXX XXXX XX/XX/21 - XXXX XXXX XX/XX/21 - Capital One Auto Finance I called these companies and they were not able to provide me with details regarding the hard inquiries. Please I want these removed from my credit report. 

I called XXXX about these hard inquiries and they refused to help me. Please CFPB help me.
Consumer complaint received 2022-08-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (WY)

On XX/XX/2022 I received an email from Venmo stating someone had tried to reset my password. There was a link in the email to reset the password myself. Unbeknownst to me, my clicking the email triggered Venmo to freeze my account. Fast forward 23 days and my account is still frozen. I've provided ( according to Venmo customer service ) all necessary documentation requested. Is my account unlocked... nope. I have had NO ACCESS to my paycheck for 23 days!! They have held my money XXXX for 23 DAYS!! I have bills to pay, no food, no gas and no money. I have called and emailed to no avail! Please help. I get paid monthly and if this account isn't unlocked by next Thursday, I'll have no access to it either. Thank you for your time.
Consumer complaint received 2022-08-27
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. (SC)

I received a copy of my credit report and noticed some Hard Inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX