davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-18
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KINGS CREDIT SERVICES (CA)

Kings Credit Services began seizing a part of my wages in or around XXXX to collect on a medical debt. I spoke with a representative of the company ( XXXX XXXX ) after ending my job to setup a payment plan for what she claimed was the remainder of the balance owed. After continuing to make payments for an extended amount of time, I received a balance owed letter in XX/XX/XXXX that resembled the original amount of my debt. Upon calling XXXX, she stated that they had allocated my paid funds to new debts which I was not informed on while the original debt continued to garner interest. When confronted about misapplying funds, XXXX ceased communications. I sent out a letter on XX/XX/XXXX attempting to make a final lump sum payment for the debt. I did not receive any response and followed up via mail correspondence on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX with an amount they would be willing to accept based on the payments I had made to date and the amount owed, however in XXXX 's new statement, my payments made-to-date had been altered to show a significantly lower number than I had actually paid. I addressed these false representations in a response to XXXX and received no response. As of my last letter ( dated XX/XX/XXXX ) I have not heard from XXXX or Kings Credit Services. However, I attempted to dispute the collection on my credit report but they refused to cooperate with the credit reporting agency. All of the letters mentioned in this statement have been included as an attachment.
Consumer complaint received 2021-06-21
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)

In early XXXX, 2021, my husband and I purchased a clothes dryer from XXXX 'XXXX XXXX XXXX in XXXX, VA. Delivery of the dryer was significantly delayed, and we were obliged to spend an inordinate amount of our own time trying to rectify the situation with XXXX XXXX. I attempted to resolve this with the local XXXX XXXX store, but was unable to reach anyone, so my husband filed a XXXX XXXX XXXX complaint. XXXX XXXX XXXX responded to the XXXX  complaint, in the end they were unwilling to meet our request for a reimbursement of {$610.00}, the amount that we have calculated we are due, based on an offer for reimbursement that XXXX 'XXXX  did offer us, combined with a calculation of how much time I had to spend on the phone with customer service personnel from XXXX 'XXXX  ( multiplied by my hourly billing rate ). I filed a credit card dispute with Chase Visa to recover {$610.00} in early XXXX, and Chase requested additional information to continue the dispute. I provided significant substantiating information to support my claim ( and have included it here ), but Chase resolved the case in the merchant 's favor because in the end, XXXX 'XXXX  did deliver the clothes dryer. We stipulated in our dispute that we agreed that XXXX 'XXXX  did in fact deliver the item that we purchased, but that we spent an inappropriate amount of time trying to resolve this with them. When I called Chase Visa to ask why our dispute had been resolved in the merchant 's favor, the person I spoke with first encouraged me to re-open the dispute, then told me that the window for re-disputing had closed and that it would be a waste of my time. I was advised by letter that the {$610.00} charge that had been refunded to me during the dispute would be re-charged in the next billing cycle.
Consumer complaint received 2022-12-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2022. I began noticing charges to my debit card and changes to my online Wells Fargo account .I have been issues 4 debit cards and now Wells Fargo refuses to issue a new debit card and suspended my online service .My arm pin keeps getting changed and I can not stop the fraud charges.
Consumer complaint received 2020-10-05
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. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX Account Number XXXX XXXX   XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX
Consumer complaint received 2021-08-03
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. (MA)

Hi CRA ; CFPB ; Please see the attachments below and you will notice why I'm so sad right now. It's no way that these accounts were previously investigated based on my request. They've failed to comply with my request as a consumer and they continue to report those items with multiple inaccuracies, incomplete, misleading and inconsistent with payment history, different and questionable balance, past due amount on collection accounts, etc. I believe some of these accounts pointed out were involved in previous litigation and they must be removed from my credit report. I'm stressed and i'm getting alot of anxiety seeing my request going neglect. Also, The only name, address, social security number and date of birth that should be reported on my credit profile are the ones listed above and in the documents attached with this letter. Any and all others are inaccurate and/or outdated and must delete immediately from my credit report. I noticed errors with my personal information, misspelled of my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is big issue for me, and I believe any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they arenot reportable as per the FCRA, since they are inaccurate. 

******NON-COMPLIANT NO PROOF OF TRUTH!!! DELETE! FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ), and under Section 611 ( 5 ) ( A ) ( a ) ( 7 ) of the FCRA, and 15 U.S. Code 1692g - Validation of debts _ U.S. Code _ US Law XXXX XXXX : Account # XXXX ; COLLECTION Account # : XXXX, XXXX : Account # : XXXX, XXXX XXXX : Account # : XXXX, XXXX XXXX XXXX : Account # : XXXX *****
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSWORLD SYSTEMS INC (TX)

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CA)

After thorough research, I determined that Wells Fargo Autograph Card is the best card that fits my need. So I applied for this card on XX/XX/XXXX. The application was declined quickly based the following reasons : 1 ) oldest account has not been opened long enough ; 2 ) not enough open revolving credit cards with high credit limit ; 3 ) amount owned on bank card is too high relative to the available credit limits ; 4 ) too little time passed since the most recent credit card was opened. I explained the reason and asked for a reconsideration of just issuing a credit card with {$500.00} limit to start the relationship. It was declined again.

I explained that 1 ) my oldest credit card was opened in XX/XX/XXXX and it's been in good standing for 2 years ; 2 ), I have three credit cards open right now, with one credit card limit of {$10000.00}, and the other two are {$5000.00} and {$1000.00} ; 3 ), I only have 1 out of 3 credit cards carrying a balance of {$2500.00} which was paid down today ; The other two cards have no balance ; 4 ), my most recent credit card was opened half a year ago, I was planing to stop using that card once I get this card.

I believe the above reason are substantial enough the meet Wells Fargo unreasonably high standard. 

Application reference number : XXXX
Consumer complaint received 2022-08-01
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX  XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX  XXXX XXXX acct # 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 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (DC)

On XXXX XXXX, 2022, the FTC ordered Credit Karma to pay {$3.00} mil to consumers. I was a victim of these false claims by credit Karma alleging I was pre-approved but was denied. The misrepresentation of Credit Karma has caused severe mental anguish and anxiety for my family and I. I had applied for a personal loan of {$10000.00} and two {$10000.00} credit cards and was also denied.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CT)

15 U.S.C 1681 SECTION 602 A : States I Have a right to privacy. 
15 U.S.C 1681 SECTION 602 A SECTION 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX ( Note ) - dispute with all credit card companies mentioned in above paragraph and all 3 credit bureaus XXXX XXXX and Equifax ( Alert on credit file and to add on now my exact updated info is being used for credit card apps as to not get denied or bypass fraud dept.
Consumer complaint received 2022-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (IL)

ProCollect , INC . this collection agency trying to collect money for me {$97.00} I called them yesterday I told them this situation I resolved them several years ago. But she dont want to listen to me. All she keep telling me I need your credit card and you have 3 days to pay this bill.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (IL)

tonight they called at XXXX and XXXX. this is almost a daily occurrence. most of the time they let it ring twice and hang up not giving me time to answer. i have told them before to stop calling me. also requested a letter of my debt and never received it. most of this was covered by a financial assistance and this company offered no help to solve these issues. it is harassment at this point.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. 
XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro se. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.
Consumer complaint received 2022-12-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (MN)

On XX/XX/19, paid off our HELOC and I have requested multiple times via phone calls to get my final statements as the online statements are no longer available. I have stated that this should be considered a customer complaint, as I have called more than 3 times to follow up on this matter. The individuals place me on hold and never return and I then get disconnected. No follow up only false commitments and no acknowledgment that anyone has logged a customer complaint related to this lack of service. The financial institution is US Bank. I followed up on matters again today ( XXXX ) and was told the information was mailed XXXX days ago. I will give it a couple days and see if the statements arrive so that I can prepare a reconciliation and show there was an overpayment. Very poor customer service!!!! Poorly trained personnel and no understanding of a complaint process.
Consumer complaint received 2020-04-17
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. (OH)

My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( 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 theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX , XXXX # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2022-12-09
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (PA)

On XXXX XX/XX/2022 at XXXX XXXX XXXX I received a telephone cal from XXXX XXXX XXXX XXXX XXXX XXXX regarding an unpaid debt for a Citibank Visa card that I held over 10 years ago, which remained unpaid. I have never received any kind of debt verification from either this collector, or from Citibank. I have asked XXXX XXXX XXXX to send me verification of this debt. I no longer have any documentation of regarding this Citibank credit account. I held this account over 10 years ago. After speaking to the Representatives from XXXX XXXX, I did a search on XXXX regarding this firm, which was given the grade of XXXX XXXX XXXX XXXX XXXX XXXX I gave the rep my current address, since I requested written verification of the debt, sent by U. S. Mail, which they were reluctant to provide. They were advising me to contact Citibank for that verification from their archives. I contacted Citibank, and even though I never paid off the debt, they no longer had any information on that account, especially since the account was closed over 10 years ago. I then spoke to my attorney regarding the statute of limitation on collecting an old debt. According to him, this statute varies by state. 

When I initially applied for this card, Citibank had their credit card operations in XXXX XXXX. According to information I found on XXXX, XXXX XXXX XXXX  statute of limitation on debt collection is 6 years. 

With the information I was able to gather, I am convinced that I was targeted again by a scammer. Once I have written verification, I will add additional from XXXX XXXX regarding this issue.
Consumer complaint received 2022-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

. I received a letter today from Wells Fargo saying I am approve for a short sale. I have to le them know by XX/XX/XXXX which is only a week away. I dont feel that is enough time to decide. First off we have no place to live. We are seniors and have been trying to get into affordable housing but there are waiting list 2-3 years long. My husband is disable and is home bound. I will have to pay a service to get him out of the house. My main problem is the length of time Wells Fargo gave me to decide for a short sale or not. A short sale is a life changing event. I will like to file a complaint about the short sale time line.
Consumer complaint received 2022-09-27
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: CITIBANK, N.A. (CA)

Filed a dispute with Citi for a service which was performed poorly and damage was caused during the process. Video and pictures of the issues are available but Citi 's antiquated processing system does not allow for this evidence to be provided to the dispute department or investigators. There is no way to upload any of these artifacts online. The only way I found out i can provide this information through emails, only after not receiving any correspondence in the websites " documents and statements '' section the case was closed, I found out by logging in to make a payment. The dispute department provided an email address after I voiced concerns as a customer, I don't feel like I have a fair chance to have an investigator adjudicate my case because I can't upload anything an email address was provided to only upload documents only. Due to their aged system there is no way to provide images or videos. It is like going into a court of law and telling the judge i can't provide you with all the evidence. As the customer who is not at fault, with all the documents provided through email, including an evaluation by a third party company who stated the same issues I found are not to industry standards, and images uploaded my case is still closed and I'm responsible for charges I should not be responsible for because Citi does not provide their customer a fair opportunity to provide all the evidence. You can't get a hold of the investigator, nor does the dispute front end department have the ability to do anything or even look at the images uploaded. How is this fair to the customer who is not at fault? I'm demanding Citi open the investigation and look at all the supporting documents and return my money for services not rendered.
Consumer complaint received 2022-12-21
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. (IA)

I AM A FEDERALY PROTECTED CONSUMER AND I KNOW I HAVE FEDERAL RIGHTS. XXXX XXXX XXXX XXXX XXXX # XXXX Pursuant to the Fair Credit Billing Act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account is a billing error. This is not a refusal to pay but a notice that this alleged debt is disputed. I respectfully request XXXX provide me with documentary evidence validating this alleged debt. If no such evidence of indebtedness exists, and the only indebtedness is by XXXX, XXXX can not lawfully furnish these inaccurate late payments to the credit reporting agencies. The United States is bankrupt. If this alleged debt is valid, what authority does XXXX have to collect this debt in the United States? If this alleged debt can not be validated and turns out to be an extension of credit, that would make the negative information provision in any agreement between us VOID AND UNENFORCEABLE. The continued reporting of these inaccurate late payments would constitute a breach of fiduciary duty by collecting this extension of credit by unlawful extortionate means. And under the CARES ACT which XXXX enacted in XXXX which is still LAW AND IN EFFECT STATES THAT LATE PAYMENTS SHOULD NOT BE PUT ON CREDIT REPORTS WHEN CONSUMER INFORMS INSTITUTIONS THE NEED FOR ACCOMODATION DUE TO THE GLOBAL PANDEMIC CRISIS WHICH I I HAVE BEEN EFFECTED AND I FIRST REACHED OUT AND ASKED FOR ACCOMODATION IN XX/XX/XXXX WHICH XXXX DENIED ME, AND CONTINUED TO REPORT LATE PAYMENTS ON MY CREDIT REPORTS WITH NO ACCOMODATION NO PROTECTION PER THE CARES ACT. I SHOULD HAVE BEEN PROTECTED AND RECIEVED ACCOMODATIONS PER THE CARES ACT due to my situation. And Since there is no law under the Fair Credit Reporting Act requiring this financial institution to report negative information to consumer reporting agencies, XXXX APPEARS to knowingly be reporting inaccurate information to the consumer reporting agencies. Reporting information with reasonable cause to believe is inaccurate violates the Fair Credit Reporting Act and the CFPB has been investigating and taking action against institutions and companies. Like recently CFPB XXXX XXXX MORTGAGE SERVICES who did not implement protection under the CARES ACT on behalf of the consumers. RBFCU companys policy does not supersede XXXX XXXX. I am demanding that all late payments are UPDATED to PAID AS AGREED and a DELETION of each late payment be submitted to all credit reporting agencies immediately to prevent my consumer credit reputation from further harm and stopping me from extending credit in commerce which is my right due to XXXX 'S not complying with the CARES ACT which is still LAWFUL I understand that Under the Consumer Financial Protection Act, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices.