davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-01
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. (NV)

I created an account with Equifax to view my credit report and credit score. I can see my report ok, but Equifax requires you to agree to their terms to view your score. When reading the terms it says you can opt out of certain data that Equifax shares with its affiliates and non-affiliates, and tells you to click on the privacy notice. When doing that the website takes you to their privacy notice : XXXX XXXX XXXX  In the privacy notice it says if you want to " limit our sharing '' you can go online, or call XXXX. I called, and was sent to XXXX. I talked to XXXX ; he didn't understand what I am trying to do, and said he can't view the privacy notice that I am looking at. Finally he muted himself and wouldn't respond as I tried to explain. I called the number back and talked to another person, a lady, and had the same experience. I finally asked, repeatedly, to talk to a supervisor, and she finally connected me over. I talked to XXXX, and XXXX said they didn't have the ability to do what I'm asking, nor could they access the privacy notice. I told XXXX that I would file a complaint with CFPB, and XXXX said ok. 

I want Equifax to limit the sharing of my personal information so I can see my free credit score. Equifax is not doing that, and is violating the Fair Credit Reporting Act.
Consumer complaint received 2021-07-26
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: JPMORGAN CHASE & CO. (CA)

XXXX XXXX for all poor Americans. XX/XX/21 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Every single businesses and employment facilities as well as consumer agencies when providing employment references and credit line to us Americans. As they happen to judgment of our credit score and our credibility putting all American at great risk. We loose employment opportunities as we also get the turn down of credit line. This longterm unemployment and loss of credibilities of poor people have put us at the very low bottom of society. All business and consumers need to notified by your agency- not to destroy down slowly yet financially circumstance of all Americans as majority of poor public. This is concerning when they docket us down on our credit score and lead us out of the doorway. As for instance my credit score is XXXX, yet at the scale and realm of every other consumer my credit is at XXXX score average. I have send a complaint before, but I didn't receive any responses as what had done about the problem. Contact me either with the mail, or, an email should be sufficient to follow-up about all the matters related. 

We as poor public who happen to pay higher at the end of all transactions. Perhaps if I could have your attention in notifying of all businesses and banks retrieving credit files of potential customers to them- tell of them not to judge of our credibility & trust as one people in that manner they have been doing so far along 28 years. 


Respectfully, XXXX XXXX '' A women lady 's baby women ''
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I purchased a new construction home on XX/XX/2020, my mortgage servicer originally was The XXXX XXXX. My 1st payment was due and paid for XX/XX/2020, then on XX/XX/2020 my mortgage was transferred to Mr. Cooper, I had called to inquire about statements and all of that since my XXXX payment would be due and they informed me that information is still being transferred over. On XX/XX/2020 I received my 1st statement from them and the escrow account owed was {$1100.00} instead of the {$680.00} that it should have been and was with the original servicer ( which was still high for what was owed ). I called that same day and was informed that they would escalate for an escrow analysis. On XX/XX/2020 I still had not heard back so I called again and was transferred to an escalation specialist XXXX XXXX who confirmed that the amount due was much higher than it should after reviewing my annual tax and insurance dues, she also confirmed that there was no escrow analysis done despite my being told previously that it was set up to be done. She said 3-5 business days and there should be a response, there was no response so I emailed her XX/XX/2020 and asked for an update, she responded that it would take a little longer to resolve. I follwed up on XX/XX/2020 with another email and was replied on XX/XX/2020 that it was resolved and that it will take 48 hours for the new statement to be updated online. The new statement was not updated and I am on the phone right now with another agent ( XXXX ) who informs me that the analysis is only effective as of XXXX and that the extra {$480.00} is still owed for XXXX ( which I already paid the old servicer for ) and XXXX. She also informed me that the new payment amount will be {$2000.00}. Since the loan was transferred I had 60 days before negative impacts will occur, but that time is quickly coming up and with the holidays soon it will take away from actual hours worked on my case. 

I calculated my total annual escrow obligation to be as follows : PMI {$650.00} Insurance $ XXXX County Tax $ XXXX Municipal Tax $ XXXX School Tax $ XXXX for a total of {$3000.00} which comes out to $ XXXXmonth ( add a little in there for reserve funds XXXX XXXXTax amounts owed based on preliminary assessment, I have already appealed and have the assessment lowered so those values will actually decrease in a week or so.
Consumer complaint received 2021-09-12
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A. (NY)

I have a complain to different gov agencies but Iwas hoping to receive help from CFPB because citibank send my money to XXXX XXXX  XXXX and XXXX on XXXX I have called citibank and someone named grace confirm that i have sent to XXXX XXXX XXXX XXXXXXXX XXXX and this account still active with them. Why they do not compliance with regulations. I know they should have frozen their funs and investigate. As customer I was told no rights and they protect scammers information. Court subpoene cost per hour distance Why citibank said they did wire to XXXX XXXXXXXX XXXX XXXXXXXX XXXX and on the letter of XX/XX/XXXX, mention this XXXX XXXXXXXX and XXXX. Who order to paid them I did not Appreciated if you could help I do not know this bank and where ( conuntry and city )
Consumer complaint received 2022-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (MI)

I am not even sure where this debt came from but my wife was deceased in XXXX and many Identity thefts went on so this is identity theft again. They have not contacted me back and I see them listed on my credit score.
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (AZ)

They have a problem with their computer website for payments. I went in to make payment and the system showed no payment was due. Showed next payment was due XX/XX/2021 for the {$490.00}, I took a screen shot of this and provide this to them and was told XXXX XXXX would call me back and she never did. This is an on goin problem within the third party site they use and they know this and refuse to fix the problem its nothing but excuses from them. We made the payment for both XXXX and XXXX and XXXX was not even late and they reported that way to all the Credit Companies the wrong information and also confirmed from XXXX XXXX that the payment for XXXX was not late and the the credit companies made a mistake and yet refuses to correct the mistake. We have had nothing but problems with customer service with them and this is not this first time that we have had this issue with the company. I was told the next time it happened to contact them which we did and the still refuse to do the right thing and fix the problem. They don't even have contact information for there website that handles the payment. According to XXXX unknown last refuses to do anything about the problem as well just excuse as to why they can't contact and oh just sign up for auto pay that is not an option as this is not a company we will be staying with not worth the problem of auto pay because they have a big problem with reporting the account current which it is.
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Flagstar Bank, N.A. (NY)

To whom it may concern, I would like to use this medium to report the deficiency from Flagstar bank and the damage they have caused my credit report. 
I paid off my mortgage on my property on XX/XX/21 after request for the payoff. The pay off was sent to me in the amount of {$150000.00} And we even added additional per diem and wired {$150000.00} However the pay off department from Flagstar bank did not process the fund and they even returned the money on XX/XX/21. that is 22 days after i had paid off the loan. 
Now due to their incompetence, they have reported a missed payment on my credit report, this has caused me to lose a deal. I have called them several times, but to no avail. because none of them has a clue of what they are doing.
Consumer complaint received 2021-07-26
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. (VA)

I hired a moving company to help move my things. 

The moving company told me that I can book an elevator between XXXX. 

Then the moving company came at XXXX and left my stuff on the road without delivering it to my condo. 

The moving company also forged my signature and charged a different card for {$500.00}. 

But Chase is refusing to see all this evidence.
Consumer complaint received 2019-04-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Williams & Fudge, Inc (AR)

I was sent to William XXXX Fudge collecting agency and was told back in 2017 that XXXX University Online and XXXX University Online had broken the law regarding the scare tactic and threaten to send me to jail over a debt that I had never owed and was not to have enrolled in their school.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX # XXXX 30 days late inXX/XX/XXXX 60 days onXX/XX/XXXX 30 days in XX/XX/XXXX, 60 days in XX/XX/XXXX, 90 days in XX/XX/2022, and 120 days in XX/XX/2022. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (GA)

I have actually resolved this problem but am very concerned about others in this same predicament. I received a bill for {$23.00} from  Chase milea ge plus  XXXX  in  XXXX  with payment due on Sunday,  XXXX   XXXX . I paid the bill via bill pay from my bank on  XXXX   XXXX . The payment arrived  XXXX   XXXX , Tuesday. My next bill arrived with a {$15.00} late charge on a {$23.00} bill. I found this to be infuriating and appalling. I have received assurance that my account will be credited next month but I am still angry and wondering if this is even legal? Thanks
Consumer complaint received 2019-04-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

To Whom It May Concern : Ref to Account # XXXX it seems for whatever reason my mortgage has risen from {$1300.00} to {$1500.00} with an escrow shortfall of {$4800.00} Notified Closing attorney office to ascertain reasons? Wells Fargo Home Mortgage Closing Attorneys XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, S.C. XXXX phone # XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, S.C. XXXX
Consumer complaint received 2021-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

on Saturday deposited a Money Order they can do this if not participating ... part of it was available as a courtesy ... The complaint is a money order was a hybrid between a checque and cash ... still today Monday the funds available the next business day so why is it not ... only XXXX of a XXXX and will be the next day ... Lied to by the teller, called the phone bank before going in and teller forgot who I was and caused more problems like unable to pay a bill, delayed further by the phone bank XXXX who happens to be corporate ... shows you discrimination and how they have not learned from the fake account disaster ... it is my money they will not invest into infrastructure to check and XXXX said closed Sunday ... under covid need to be faster and the 21st century ... because they are not afraid and CFPB has no lawyers they are not afraid to do this to me ... they sent a read and destroy by XXXX to the branch as evidenced by the teller reading their screens which is not kosher pretending they do not know me ... XXXX in AZ decided to transfer me after ... it was the branch that was too restrictive ... banks had branches not stores if then discrimination ... That is only the tip of the iceberg..at this time they refused to participate like a real big bank. Call corporate instead ...
Consumer complaint received 2019-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (GA)

The credit card is set up with US Bank to auto-pay the full balance monthly and has worked well until XX/XX/XXXX. For XX/XX/XXXX, US Bank initiated the payment but did not post it until after the statement cutoff and showed the balance indicating the payment is overdue.

I contacted US Bank and was told all was well, the payment was posted but after the statement cutoff. In XX/XX/XXXX, the ACH showed up but was not for the outstanding balance after the XX/XX/XXXX payment was applied, rather US Bank took the entire amount for XX/XX/XXXX and XX/XX/XXXX in XX/XX/XXXX ; even through US Bank already received XX/XX/XXXX payment ( {$3100.00} vs. {$1000.00} that remained after the US Bank applied the XX/XX/XXXX payment ).

Since I budget funds in my checking account sufficient to cover actual debts between paychecks and invest the rest to earn a higher yield, this nearly double charge, if not timely remedied, will invoke my overdraft line of credit resulting in interest charges. I expect reimbursement for any costs created by US Bank.
Consumer complaint received 2022-09-29
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)

I sent my letter off XX/XX/2022. I told the credit bureaus they were reporting inaccurate & incomplete information on the accounts I have listed below. Also I have attached all of the letters I've sent out. 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 a credit report. Otherwise anyone paying for your reporting services could fax, mail or e-mail in a fraudulent account. Also according to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX
Consumer complaint received 2018-09-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (OH)

I have a Auto loan with EXETER FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and EXETER FIN with no successful resolution. XXXX, XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never lates in XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (OR)

Coinbase, Coinbase XXXX. Known as, crypto brokerage I felt that the Coinbase did not have a policy protecting the consumer assets. As a victim, I strongly believe the consumer report can intervene in this case on my behalf. 

The incident happened on the XXXX of XX/XX/2022 around XXXX XXXX time. Within " XXXX minutes '' after the hacked transaction, I called the Coinbase to report the issued in hope the company would help stopping the transaction. As of today, I have not seen the responsible action taken regarding unauthorized fraud.
Consumer complaint received 2021-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

I am XXXX and will be XXXX XX/XX/XXXX. I have been paying this bill since XXXX and believed the bill would be paid in full in XX/XX/XXXX since I made extra payments since XXXX. I really believe they have over charged me and that I should not have a balance due of {$17000.00}. I requested a payment history from them which shows the payments started in XX/XX/XXXX. My first payment was in XXXX, so 3 years of payments have not been applied and they have some kind of payment variance which they have not explained to me yet. Please look into this matter. After research they have numerous complaints similar to my situation. Please help me.
Consumer complaint received 2022-08-02
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. (FL)

I've disputed the following accounts directly with the creditor and they've failed to remove them from my credit report. I've also disputed them with Experian with no help in removal. By law the Credit Bureaus MUST remove all inaccurate information as it is causing financial hard and hinderence to my personal finances. 

Accounts : XXXX : XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$9900.00} Status Collection account. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$890.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$8300.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$9800.00} Status Collection account. 
XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$10000.00} Status Collection account. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$9300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$12000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$16000.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Collection account. 
XXXX XXXX  Under dispute Date opened XX/XX/XXXX Balance {$13000.00} Status Collection account.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (PA)

.On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.