davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (CA)

wells fargo bank amount XXXX opened XX/XX/2014 car note was sent to wells fargo dealership service .through XXXX for witch I had an acct. that was set up by wells fargo. All prior payments were not recorded nor received by wells fargo acct. # accociated with car note acct. #. car was repossessed by wells fargo without giving me any notice. Acct. # ware money was going was made up by wells fargo without my knowlege
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MI)

Previous complaint sent to USAA. Acknowledged they had received and were sending to office of CEO. However this is not moving in an immediate manner. My phone has been disconnected, my bills need paid. I can not go to my doctors nor feed myself and my animals. I suffer from a XXXX XXXX and USAA has every right to close account due to my mistakes, however they do not have the right to withhold my only source of income ( SSDI  ) nor do they have the right to inflict pain and suffering on my part. The bank suffered no lose of funds, nor did they suffer any damage
Consumer complaint received 2021-08-03
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: AMERICAN HONDA FINANCE CORP (FL)

My new Honda lease was over always paid on time with auto pay ( signed with Honda). I extended the lease and they said that all payment amount and withdraws will stay the same .Honda reported to the credit bureau that my account is closed when in fact is still
open ( still have the car ) on top of it all they did not charge my account for a payment when i realize i called many times try to reach them with crazy hold time. finely reach them and paid on the XXXX day, my accounts was never late in all my years. my credit score was always XXXX or greater and they caused it to drop down to mid XXXX their automated machine called me hundreds of time when you answer you can not reach no one
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (NC)

Contacted XXXX XXXX in XXXX, XXXX, and XXXX of XXXX to dispute two late payments for XXXX and XX/XX/XXXX. XXXX XXXX contacted me on XX/XX/XXXX, and admitted they were not being proactive with enrolling me in Servicemember 's Civil Relief Act ( SCRA ) benefits. They asked for documentation of my service prior to the date of my loan. I went to the branch and provided all required documentation. The documents were faxed to the number listed on the letter provided by XXXX XXXX. I called a week then a month later and discovered the late payments were not removed. I was told I would be contacted and was not. Furthermore, the late payments have still not been removed.
Consumer complaint received 2022-10-24
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: Chime Financial Inc (TX)

On XX/XX/XXXX there was an unauthorized transaction of {$24.00} to XXXX but I didnt think anything of it. Then on XX/XX/10 the account only had {$2.00} and at XXXX there was another charge of {$2.00}. Then I got paid on the XXXX. On the XXXX between XXXX and XXXX there were XXXX charges of {$24.00} and XXXX charge of {$15.00}. All made from a XXXX in XXXX California ( all with the same store number ). I live in XXXX Texas. I called my bank ( Chime ) right away on the XXXX to file a dispute ( while the charges were still pending ), they shut the card down and the charges stopped. Although, I ended up having to request an appeal because they denied my original claim. The second time, I tried sending my time sheet from work ; GPS timeline from XXXX and even charges on my other credit card that show I was in XXXX at the time of the unauthorized charges. After disputing with them they still deny my claim. A grand total of {$290.00} was taken.
Consumer complaint received 2018-08-23
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. (PA)

Greetings, I have initiated multiple disputes with XXXX for incorrectly reported late payments on the XXXX Account # XXXX. They have failed to fully validated that the account was late during the months being reported on my XXXX, XXXX XXXX & EQUIFAX credit reports. XXXX, XXXX XXXX & EQUIFAX should not be reporting incorrect information per the Fair Credit Reporting Act and must remove / delete the following reported late payments below. I have provided all requested documents to XXXX, XXXX, XXXX XXXX & EQUIFAX to get this issue resolved in which they requested. They have also failed to provided me with requested information in which I have asked to Prove I was late in any of the months provided within the 30-day time frame. The XXXX account being reported is currently in good status/standing but is showing as a negative account being reported on my credit report. On each of my credit reports they are different late payment months being reported and does not line up with each other which shows inaccuracy. This ERROR has severely affected my chances to gain professional employment, increase credit & apply for a home for me and my family. Below are the reported late months that should be Removed/Deleted from my personal credit reports : XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX XXXX XXXX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 )  XX/XX/XXXX 4 ) XX/XX/XXXX, 5 ) XX/XX/XXXX EQUIFAX Reported Late Payments : 1 )XX/XX/XXXX 2 ) XX/XX/XXXX 3 ) XX/XX/XXXX 4 ) XX/XX/XXXX, 5 )XX/XX/XXXX Should you need any additional information please let me know. Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2018-08-23
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. (PA)

There have been several hard inquiries on my Credit Report from Equifax and XXXX that I did not apply for these credit cards. I need these to be investigated. 


XXXX XXXX - on XXXX from XXXX XXXX - on XXXX from XXXX   XXXX - on XXXX from XXXX XXXX - on XXXX from XXXX XXXX = on XXXX from Equifax XXXX XXXX = on XXXX from Equifax
Consumer complaint received 2021-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I have closed referenced loan has been paid in full XX/XX/2021. From XXXX XXXX XXXX XXXX XXXX. Account Number XXXX. Attached with letter, discharge Mortgage. Dated XX/XX/2021. Also, attached on Deed Dated on XX/XX/2021 and signed. I contacted XXXX to remove the foreclosure and late payments. Current payment status 60-89 days late. Reported by The XXXXXXXX XXXX XXXXXXXX. I have all paperwork showing proof Discharge of Mortgage and signed Deed.
Consumer complaint received 2018-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (MD)

My Barclays card pmt was due XX/XX/18, but the bill closes on XX/XX/18. 
I paid on XX/XX/18, and was charged late fee and interest. 
I believe it is wrong to make due date earlier that bill close date. 
It is a money making scheme.
Consumer complaint received 2018-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I few months back I contacted Equifax in regards to fraudulent accounts one being XXXX XXXX. I sent in the necessary documents affidavit, police report. They removed the account now the account has appeared back on my report under XXXX XXXXXXXX and Equifax allowed that. Dropping my score tremendously
Consumer complaint received 2018-08-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (MN)

I have a checking account with US Bank which is headquartered in XXXX. The bank insists that some federal regulation requires it to send me a paper copy of a bank statement each month or to post this information online. The charge for a paper copy is XXXX XXXX. I do not want a monthly statement and want to waive this protection. I am willing to sign any waiver which relieves the bank of legal liability. The bank refuses to let me do so. Is my argument with the bank or the agency which promulgated the regulation?
Consumer complaint received 2018-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TN)

I was told there is a Navient Student Loan Forgiveness program. In common basic terms, they are being sneaky and manipulative. In specific terms they are misallocation of payments, providing unclear info about re-enrollment to their income driven repayment plans.
Consumer complaint received 2022-08-01
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. (AL)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

In accordance with the Fair Credit Reporting act Experian, XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my 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 instruction
Consumer complaint received 2022-05-14
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)

I have contacted these credit bu bureaus about a collection account that is on my account that does not belong to me. I have sent letter after letter asking for the inaccuracies of this account and other accounts to be removed. I have I have yet to hear anything back from the credit bureaus. I have sent numerous letters and made numerous phone calls about the matter but they have been completely ignored. The information that is being reported on my credit report by the bureaus is not accurate and is not valid I would like for this to be re-investigated and removed because it does not belong to me. These accounts are in violation of my rights. These accounts are reporting collections status with past due balances which is impossible. How can a account being a collection status, but have a past due balance. That is a violation of my rights, and it is not being reported as accurate invalid. The dates on these accounts are in accurate, each bureau is reporting different dates for the same account. How is that possible in regards to the same account with the same account number but all the dates are different and balances are different. I want this stuff removed immediately from my credit report and sent a copy of my report in the mail to my address ASAP.
Consumer complaint received 2018-08-23
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: EQUIFAX, INC. (TN)

It has been over 90 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681.

This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

I recently tried to take out a loan with people I thought were legit. Turns out they were fraud and reversed three big payments I had made on my debit card. I immediately went to my bank chase and had them close my account and reopen a new one with a new email address. I received my new debit card in the mail last week and as soon as I activated it the same charges were made on my account that I did not authorized. I have been transferred several times no one seems to want to help me Ive been given attitude and as I am filing this complaint I have been on hold with chase for almost two hours and no one seems to want to help me! Its been a week since this new charges have been made and I am yet to be helped correctly and professionally. I had a guy named XXXX who seemed as if he did not care to help me so I asked to be transferred to someone who can better assist me and he transferred me back to the retail department instead of someone else in the claims department! Completely unprofessional at his job! And I am still on hold with no one who seems to want to help me and do their job!
Consumer complaint received 2022-04-25
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. (OH)

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX Equifax has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX 1681 According to the 15 U.S.C 1681 section 602 A. States I have rights to my 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 instruction
Consumer complaint received 2022-05-14
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. (TX)

Requested Method of verification from original creditor and credit reporting agencies. They failed to send back documentation within 30 days. The only thing I received was letters from creditors and all three bureaus saying the debt was verified. These are not accurate accounts and need to be deleted from my credit files as they are being reported inaccurately and violate the FCRA as well as my consumer rights due to defamation. I also sent documentation to support I was a victim of ID theft and was a part of several data breaches and hacks exposing my social and personal info that was used by an unauthorized person to open accounts in my name an FTC report was filed recently to verify this info.
Consumer complaint received 2022-12-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IN)

On XX/XX/2022, there was a request from PayPal credit to pay {$790.00} to avoid a XXXX interest so I paid it after waiting for receipt of payment it came back as I paid XXXX XXXX XXXX XXXX called up PayPal immediately and they said they did not receive a payment it was a scammer they said don't worrie we will take care of it no worries then I called my bank institution and they said lets close your account immediately so we did all credit card and checking 's accounts I then got an email from PayPal saying thank you for reporting the case after ref=views we found that certain transactions weren't unauthorized and hence couldn't be covered by papal purchase CASE ID XXXX I have called multiples times and i get no answers besides PayPal from your from your wallet and now XXXX owe pal pay {$790.00} minus {$37.00} which I had in my wallet which is gone to now is being demand {$760.00} pay pal I never authorized a XXXX XXXX {$790.00} I have no clue whom this person is I authorized pay pal dept only they owe me {$37.00} XXXX love using pale pal debit cash app never had any issues please help with is this was truly a scam thank you XXXX XXXX
Consumer complaint received 2022-08-01
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. (IA)

The following credit inquiries thats currently listed on my XXXX XXXX, Experian, and XXXX credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, XX/XX/XXXX.
Consumer complaint received 2022-10-06
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. (FL)

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. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CO)

Upon making a minor change to a soft inquiry, I was supposed to be mailed a new credit report. 

I received TWO credit reports from Equifax, for two other people - one in NJ and the other in GA. I didn't receive mine. 

1. Calling Equifax, I asked to investigate where my credit report has been mailed to. They totally failed to provide information about this. I was told by XXXX XXXX that Equifax can't investigate this- Why- It appears that Equifax has breach MY credit file along with the two wrong ones they sent me at my XXXX  address. Does my address appear on the two wrong credit files breached from now on. - No answers from Equifax. Can I trust Equifax to mail me a new report? Will they breach me again along with other person ( s )?

2. Asked on what to do with the wrong reports- one agent XXXX XXXX said to mail them back and they will mail me a check for the {$50.00} to cover mailing cost. How can I trust them to do this as they would not give me a direct person and address at Equifax to mail them back XXXX. ( I live in XXXX XXXX ). 

3. Agent XXXX told me to destroy them. - Could I be subject to investigation for their credit ID theft if the two people filed police reports? I'm sure Equifax will cooperate with the police in this matter. Can law enforcement tell me where my credit report was mailed to? Will the XXXX  police come knocking at my door? 

4. Equifax would not tell me where they are going with the breached files? I did tell Equifax the confirmation numbers of the breached files. It seemed they didn't believe me or didn't care. I called XXXX, CO Police Dept. ( XXXX XXXX ) hoping they had answers. They didn't help much. 

5. I hope someone in law enforcement can help with this problem. I will give full details of the breached files to law enforcement. Please call me anytime day or night. I'm sure that the two people who Equifax mailed me would be relieved and I need help to find out about my mailed credit report sent to whom?
Consumer complaint received 2022-08-01
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. (IA)

The following credit inquiries thats currently listed on my XXXX XXXX, XXXX, and Equifax credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, XX/XX/XXXX.
Consumer complaint received 2022-05-14
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 Fair Credit Reporting Act, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX 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 an account without my written instructions.