davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX  Account # xxxxxxxxxxxx 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
Consumer complaint received 2022-07-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Climb Credit Inc. (MI)

I signed up for a XXXX XXXX called XXXX  when XXXX XXXX  I was originally on XXXX  for a loan. XXXX is unable to provide me with any documentation showing that I was enrolled with XXXX. They also were not a legitimate school when doing this, and had no exemption for this. After I started they changed tuition amount and changed the loan service to climb. By then I think they had the correct certifications to be a school but still can not provide me with any documentation that I signed on with XXXX.
Consumer complaint received 2022-07-29
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)

XXXX XXXX XXXX  : account balance XXXX XXXX : ACCOUNT BALANCE XXXX in accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights.

15 u.s.c 1661 section 602 A. States i have the right to privacy.

15 u.s.c 1661 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

Borrower has mortgage with Wells Fargo. During pandemic was off work due to Covid. Tried to apply for Federal Program to move mortgage payments missed to end of the loan. 
Original mortgage was under XXXX married name. When applied for help, the borrower 's name had change ( XXXX divorce was done, got married again. ) Wells had the original name still on the loan, so rejected the paperwork. 
A second divorce was pending so name again was an issue. Wells is now up to date with the second married name on the loan but will not accept paperwork. 
Calls bring no resolution. There are calls, emails, letters from Wells, etc. The amounts of monthly payments are different depending on what document you look at. Escrow account appears inflated. Payments made by app are being applied, then reversed but don't know where these are. 
Mortgage payment was around {$650.00} per month. Their app says {$650.00} due each month, but documents say over {$900.00} is due each month. One document from Wells shows over {$20000.00} due now. 
It is exceptionally confusing and overwhelming to say the least. 
We have numerous documents in print, some in email if you need them. There is a borrower and a co borrower on this loan and it looks like Wells may try to foreclose XX/XX/22
Consumer complaint received 2022-12-06
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. (NJ)

XXXX, XXXX and equifax show an outrageous number of credit inquiries on my account. For instance, I did not authorize most of these as follows : XXXX- yes for credit Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX- not authorized Inquiry : XXXX XXXX, XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX again it was a soft inquiry they said Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX just inquired not authorized Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX definately not authorized just inquired Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX definately not autherized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX definately not authorized Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX says its a soft inquiry Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  authorized Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal XXXX XXXX not authorized Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX- no not authorized Inquiry : XXXX. XXXX, XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX- not aware of what this is for Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX don't even know what this is for Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXXXXXX XXXX XXXX authorized Inquiry : XXXX. XXXX, XXXX When someone asks you if they can run your credit you assume it's one  time not 7 times. This needs to be disclosed upfront and with whom they are running it with because they ruined what I worked so hard for. In addition, there are inquiries on here like XXXX XXXX XXXX XXXX that had no business running my credit.
Consumer complaint received 2022-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

We have multiple accounts with Wells Fargo. We issued a check from our business account and that check was stolen in the mail process, edited/changed, and cashed at a bank. Wells Fargo did not flag this check even though it was clearly fabricated and lines/memo/names were whited out. Check information is below and a copy is attached for review. 

Check Date : XX/XX/XXXX Check # : XXXX Check Amount : {$14000.00} Check Issued To : XXXX XXXX Check Cashed Date : XX/XX/XXXX Check Cashed To : XXXX XXXX There are XXXX pictures attached. One shows how we issued the check ( XXXX XXXX ) and XXXX shows how it was whited out and cashed. Lines are even missing from the check. 

Wells Fargo has always called us whenever a check looks suspicious. Even for checks that are a few under {$500.00}, they will call and double check if it was us if any handwriting or signatures look off. For some reason, this check ( which again is clearly altered ) was not flagged and it was over XXXX. 

We immediately called Wells Fargo ( on XX/XX/XXXX ) when we saw the cashed check was not cashed to the right company to which we issued it ( document also attached ). They filed a claim for us and told us that it could take up to XXXX business days to get it resolved. On the XXXX business day, we received an affidavit which we filled out and faxed back. They are now telling us that it could take up to 120 days to even get a response from the bank that cashed the check and it's not guaranteed that we even get our money back. 

This was absolutely a Wells Fargo error. Banks are supposed to protect us from fraud and alert us when anything looks suspicious. In fact, we went into our bank and confirmed with the manager that it is their responsibility to review checks before releasing funds and he told us that " sometimes things slip through the cracks ''. XXXX XXXX dollars is a lot of money and will truly hurt our business if it is not recovered. We aren't even being offered a temporary credit which was originally offered to us. 

This also comes after the fact that in XXXX of XXXX, Wells Fargo forced us to pay back XXXX of our XXXX XXXX that we were originally told would be forgiven. With NO explanation. Again, we are a small business. We don't make much of a net profit and this is devastating to us. Please help us.
Consumer complaint received 2022-12-06
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC (PA)

This company is calling and texting multiple times in a matter of XXXX minutes. After they call 4 or 5 times they send about 3 to 4 text messages back to back. It's starting to feel like harassment.
Consumer complaint received 2022-07-29
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. (NY)

Dear Team - I want to highlight and escalate an issue I am not receiving any help on. 

Bank involved - Chase Credit agency - XXXX XXXX XX/XX/2022- I applied for a XXXX XXXX Chase Credit Card. And there was a HARD INQUIRY on my credit report XXXX XX/XX/2022- I receive a letter to call Chase as they need some information to continue the review. 

XXXX XX/XX/2022- I called Chase ( phone no - XXXX ) and I was told that they just need to reconfirm some details which will NOT lead to a 2nd credit pull. I re-stated that if they need to re-apply/ re-pull my credit file - I DONOT want the card. this was all on a recorded line. 

UNFORTUNATELY- the team initiated a 2nd credit inquiry on my file while i was on the call.

THis is a gross misrepresentation and error on part of the bank- which will impact my credit score and my finances. 



I called XXXX and they say I have to speak with the bank Chase tells me they cant do anything. 

COuld you please help me!
Consumer complaint received 2022-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MO)

An unauthorized charge in the amount of {$550.00} was posted to our account on XX/XX/2022. This fraud was noted on XX/XX/2022, and LLBean Mastercard was immediately notified. A new credit card number was issued at that time and we were told an investigation would be performed and completed within 30-90 days. 

A letter from the XXXX XXXX was received XX/XX/2022, acknowledging the dispute of the unauthorized charge and that we would be notified in writing of the investigation results. 

XX/XX/2022, the charge was temporarily removed from our account. 

A letter from LL Bean was received on XX/XX/2022, regarding the adjusted minimum payment due. 

XX/XX/2022, we noted that the unauthorized amount of {$550.00} had been re-billed to our account Con XXXX XXXX. We called LL Bean Mastercard and was transferred to the XXXX XXXX. XXXX informed us that a letter had been mailed out on XXXX XXXX, explaining the investigation results. We told XXXX that we were still disputing this fraudulent charge. XXXX said she w. ould return the matter back to Investigations. 

XX/XX/2022, we sent a certified letter to Citi Resolve explaining our position on the unauthorized charge. We requested copies of their investigation documents they made their determination that we were liable for the unauthorized charge. We had not yet received the letter they supposedly mailed on XX/XX/2022. 

XX/XX/2022, we called the XXXX XXXX to inform them we still had not received the XX/XX/2022, letter. XXXX said they would reopen the case and if we had not received a letter by XX/XX/2022, to call back. 

XX/XX/2022, we received a letter from XXXX XXXX through the LL Bean Mastercard message board. The letter was dated XX/XX/2022. The letter explained their position and that the investigation was complete. 

XX/XX/2022, a packet was received in the mail containing a letter dated XX/XX/2022, and the merchants Compelling Evidence Response document. The packet was postage stamped XX/XX/2022. The merchant is XXXX and they provided to LL Bean Mastercard an email and telephone number that is not ours. We will be responding to LL Bean regarding these inconsistencies of data. However, their investigation Unit has not been reliable in communication nor their investigation of this matter.
Consumer complaint received 2022-12-21
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (IL)

Hello financial regulator, my PayPal account can not be linked to a bank and withdraw cash, please help me!!! 
I have contacted PayPal customer service many times and initiated complaints, but the problem has not been resolved, which has brought great troubles to my life.
Consumer complaint received 2022-07-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

The bill from the original creditor XXXX XXXX XXXX XXXX was thought to be a duplicate and in error and was therefore not paid. I have since confirmed with XXXX XXXX XXXX XXXX that the bill was in fact correct in the amount of XXXX and attempted to pay in full, but was told that the bill was handed over to XXXX and to pay them. XXXX is attempting to charge interest above and beyond the original bill for a total of XXXX, without disclosing first that interest charges would be applied or how they are calculated. I attempted in good faith to pay the original bill of XXXX in full on XX/XX/XXXX at XXXX with a XXXX rep over the phone, but was told no exceptions would be made for the interest and was threatened that if I did not pay in full XXXX XXXX may not provide XXXX services to me in the future. 

I am disputing this bill as : It is a misrepresentation of the amount owed I was threatened with refusal of future medical service if I did not pay
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HYUNDAI CAPITAL AMERICA (IL)

on XX/XX/22 I obtained my credit report from XXXX. I noticed that there are 16 fradualent inquiries on my credit report. I contacted XXXX  to have these fradulent inquiries removed but they have not done so. I am asking that the consumer protection agency office assist me in getting these fradulaent inquiries removed. The fradulent inquiries have resulted in me being denied credit for a new auto loan and a apartment.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (FL)

I a loan with Lincoln Financial services. In a divorce, I had to return the vehicle voluntarily before it was past due. I returned the vehicle to the dealer which then had it processed and sold with a negative balance of approximately XXXX withstanding after auction. Lincoln then threatened to sue so I settled the account for every penny I had, Approximately XXXX. The settlement was accepted as paid in full. The voluntary repossession took place in XXXX. 

Still today, this account shows on my credit report as seriously delinquent. It is the ONLY negative item on my credit. After hiring repair services and contacting Lincoln directly by mail, they continue to update this account as a " fresh '' account and as being delinquent on all three of my credit reports. The status on my credit report states " in collections '' even though this loan was satisfied over XXXX  years ago. 

I wrote Lincoln Financial services and told them the whole story of how the divorce was unfortunate and the extent I went to make them whole, I also pointed out they are unfairly damaging my credit with zero gain for them and asked they stop trying to damage my finances. Their reply was kind of cold, saying basically not their problem even though it is THEM who keep reviving the credit history to a reporting status that is not true. The reports on this account make no sense at all and just this month while applying for a mortgage, I lost XXXX  points on my XXXX and XXXX points on XXXX due to comment changes on this account, when no change has occurred and this account has been paid for over 6 years with no new activity. 

I don't know why they have such intent or contempt for me, but I have had over XXXX  auto loans and this is the only load I ever defaulted on, and it was simply beyond my control based on life circumstances. I requested the loan be stricken from my file, as its over 7 years old and does not reflect the person I am, but that aside ... ..Its simply not accurate and the constant updates on its status are malicious at this point. 

I hope you can help me finally restore my credit standing as I have paid dearly for over 8 years with high rates which have certainly ensured I paid for my mistakes. I have been adequately punished for this, and I believe it needs to stop harming me intentionally.
Consumer complaint received 2022-08-23
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. (FL)

This is XXXX XXXX submitting this CFPB complaint to you today to inform you as well as the Credit reporting Agencies that I have been a victim of identity theft and that the items I am disputing were the result of such crime. I previously sent a letter dated XX/XX/XXXX with complete attachments of my personal identifying documents such as my driver 's license, SSN, as Proof of billing Address. I also attached a copy of the ID THEFT REPORT I received from the FTC. I have read that the Credit reporting agencies are requried to remove any account and information that resulted due to identity theft under the provisions of the FCRA section 605b. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed accounts completely from my Credit report. If the Credit Bureaus insist that the disputed accounts belong under my name, I will need to be presented with documents bearing my signature to support the Credit Bureaus claims. If the Credit Bureaus can not provide me copies of documents I am seeking, I would greatly appreciate it if the Credit Bureaus immediately remove the dispute accounts. If it is not that too much trouble, please remove the follownig accounts completely from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX  XXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : 06 XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$340.00} Date Opened : XX/XX/XXXX
Consumer complaint received 2022-07-29
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)

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XXXX XXXX. XXXX XXXXXXXX XXXX is claiming to have obtained this debt in XXXX XXXX I informed XXXX XXXX XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and Equifax and a status of CLOSED on XXXX. There is NO payment history on XXXX, the payment history for Equifax shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Consumer complaint received 2022-08-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (GA)

I never applied for nor opened any credit account with JP Morgan Chase or any of its affiliates. This is NOT an authorized account. 

Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. 

Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY. 

Attached : Proof of Fraud reports ( including Chase e-mail ) Proof of Police Reports Self Identification
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

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. has violated my rights. 

XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.