davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (OH)

Received an incoming call from a local phone number ( XXXX ) XXXX. Attempted to reach the number back, but unable to receive incoming calls. Received a voicemail that had an " unknown '' listing as number called from. Per the message, someone was trying to confirm my availability to send documents to be signed for litigation and garnishment purposes. Called ( XXXX ) XXXX and spoke with a rep named XXXX who by the way only answered the phone by saying " Litigations, how may I help you? '' Stated she was my account manager. She began to speak on XXXX accounts from US Bank ( XXXX, and XXXX ) that both closed in XXXX and was charged off back in XXXX. When I asked when did her office obtain these closed accounts, she stated about 60 days ago. Not to mention those accounts were included in a Chapter XXXX bankruptcy on XX/XX/XXXX, and XXXX on XX/XX/XXXX. She proceeded to say they never got any notice and garnishment forms will be forwarded to my place of employment. Never did she ask to confirm my address, only that the balance due with interest in {$2800.00}. She declined to obtain my attorney 's name and contact information, or even the case number. She said he will need to reach her. Now I 'm puzzled because it dawned on me, this number is clearly unlisted as I 'm on someone else 's phone plan. I asked where was the initial notice, she told me to have a great day then hung up. A few hours went by, and I called back, after I called US Bank to confirm the selling of an account after bankruptcy. They confirmed they do not outsource accounts, especially after stay granted by the state. The party from the litigation 's team declined the name of the company for online review, but instead called me a criminal once I said the call was being recorded for my protection. Stated I was breaking the law, and was not permitted. When I asked was he recording me, he said only criminals do that. And my reply to that was, for your protection you should, especially if you 're throwing around court litigation on accounts that were discharge back in XX/XX/XXXX. I asked about statutory limits on collection activity, he said you still owe. I advised him he 'll never get paid, again calling me a criminal.. I hung up the call. I called a third time, and spoke with a different rep, who was very hesitant to provide the company name, until I acted like I wanted to pay and discovered the name to be XXXX, CA. Once she realized I was n't falling for it, the call was transferred mid call to the original " XXXX '' who began to argue with firmness. I disconnected the call and found this site from a previous complaint from Google.com
Consumer complaint received 2022-10-04
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX  XX/XX/2020 NEGATIVE ACCOUNTS : -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 an account without my written instructions.
Consumer complaint received 2018-01-27
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. (CA)

I have paid for 2 accounts that were in collection and also sent them letters to clear all hard inquiries from my credit reports which is affecting me but every time I call they tell me to send them letters again and that they can't or won't remove my hard inquiries I got over 34 inquiries and that really affects my credit score I am working with a loan officer and through his recommendations I'm doing letters to have them clear. But XXXX  employees are to rude
Consumer complaint received 2017-04-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

Contacted the credit bureaus concerning several accounts that 's in collection that are not mine. disputed this information along with unauthorized inquires. the credit bureaus would not move. also advised that they have the incorrect birth year for me and also sent in my birth certificate along with dl, and ssn. but they will still not remove. also contacted these agencies and they will not remove. please help. I am only XXXX and did n't not do any of those transactions
Consumer complaint received 2018-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

on XX/XX/XXXX I sent XXXX XXXX XXXX XXXX a certified letter and they received on XX/XX/XXXX requesting that a tax lien listed on my credit bureau by XXXX County be investigated and verified. I got an unsatisfactory response to my request on XX/XX/XXXX which is well beyond the 30 days allotted time to respond. 

I also mentioned that automated response or XXXX verification is unacceptable. I am requesting a re-investigation AND their Method of Verification. 
Additionally, I asked to please be provide the name, address, and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I also reminded them that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), they may be liable for their willful non-compliance. None of this was acknowledged or complied with which is a direct violation of the FCRA. I currently have a total personal data security freeze with XXXX, XXXX XXXX and XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

And old account that I had with Wells Fargo that is paid in full, They claim that one payment was 30 days late. Which is false, the entire time I had the account there was never any late payments
Consumer complaint received 2020-10-09
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. (CT)

I would like to report an identity theft in my credit file, upon checking my credit I found a number of accounts that are fraudulent, such accounts do not belong to me and should be removed from my credit report, they had impaired me to obtain credit and had cause me to pay high interest.
Consumer complaint received 2020-10-09
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. (CO)

I made a purchase from XXXX aroundXX/XX/XXXX, the Item was then cancelled and returned, contacting my local XXXX, they even confirm that the product has been returned, and Chase refuses to resolve. They accepted a delivery to the store as proof that I picked up, when the only thing that proves is the store received the product. Chase could have went into more detail and contacted the local store, or requested a receipt with my signature as proof but instead just sided with the merchant. 

There is still no proof I have received the product, and contacting the local XXXX they will confirm that the tires have never been picked up. 

The issue is mainly with XXXX, with Chase not doing their due diligence.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I sell items on XXXX. All XXXX transactions are processed through PayPal. On XX/XX/XXXX, I received an email from PayPal stating that a customer who had purchased an item on XX/XX/XXXX opened a case with their credit card company stating that they didn't recognize the charge. This resulted in PayPal opening a case and withholding the amount of the transaction ( {$24.00} ). 
I responded to the PayPal case and suggested that the customer probably just forgot they ordered the item and I provided the transaction info, pasted here : XXXX this transaction was an ebay purchase made on XX/XX/XXXX for : XXXX and XXXX XXXX GPS Map XX/XX/XXXX on MicroSD for XXXX Devices XXXX item number : XXXX XXXX In the meantime, I received a message via XXXX Messages from the customer ( XXXX ) stating " I need to pay you my wife cancel payment didnt realize I had ordered chip ''. 
From this, it's clear that the buyer 's dispute of the transaction was in error. 
This info regarding the customer 's admission of the mistake was also provided to PayPal. 
On XX/XX/XXXX, I received an email from PayPal stating that they've closed the case in the customer 's favor, debited my account {$24.00} for the original transaction plus {$20.00} for a chargeback fee. 
I'm seeking the return of {$44.00} to my PayPal account XXXX XXXX
Consumer complaint received 2021-03-25
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: U.S. BANCORP (OH)

When I reviewed my credit report I noticed that there are inaccuracy on the late payments, on the month of XXXX XXXX and XXXX  has no data provided but XXXX  has it 30 days late payments which is clearly inaccurate.
Consumer complaint received 2017-09-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

A few years ago I got a loan from Ace Cash Express and I paid it off. All of a sudden they started taking money out of my account, when I questioned them, they said I took out another loan. I have bank statements to prove that I did n't get a loan from them and had my bank reject all requests from them. I told them if they provide me with the paperwork that proves I got a loan out, then I will talk with them about repaying them back. They have not done this and now I am getting calls and threats from random companies phone numbers saying they are going to take me to court and suspend my license. I actually spoke to the " attorney '' ( which I looked up online and could n't find her name anywhere ) and they said they would email me the information showing that I got a loan with them. Never got the email. I said I would gladly review the information with my lawyer if they sent it to me, but they could never get it sent to me. I hate the threatening calls they leave me, but I guess I will just have to keep ignoring them and hopefully they will stop.
Consumer complaint received 2017-04-19
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

I found  XXXX   XXXX  CA  XXXX   US h as charged me on my  Chase Visa card  since  XXXX  {$0.00},  XXXX  {$9.00},   XXXX   {$19.00}. I do not have an idea about  XXXX  and how they got my visa card information? I have looked up  XXXX  and found many people were charged without any idea of  XXXX .
Consumer complaint received 2018-01-26
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)

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$890.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$770.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$340.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$280.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$180.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$72.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$2200.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-09
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. (AL)

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX XXXX   XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I read the response from Equifax that indicated the address XXXX XXXX XXXX XXXX, XXXX  XXXX, MO XXXX was not reporting on my credit file as of XX/XX/2020 but when I pulled my Equifax report on XX/XX/2020 it does report. I have never lived in XXXX  XXXX, MO I have attached proof that Equifax lied and did not remove it and continues to report false information. SEE THE ATTACHED DATED AFTER THEIR RESPONSE.
Consumer complaint received 2020-04-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (LA)

Collector Sold the same old account that has been disputed n removed from report. Before any knowledge of XXXX  breach I was having issues answering any security questions for verification. After being inform to identifiy thief I started repairing my credit. Thats when a collection near the statue of limitations got sold then re-age also double reporting to hurt my score while being repaired
Consumer complaint received 2022-01-04
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. (CA)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: COMMERCE BANK (MO)

Multiple fees of {$37.00} for overdraft they won't let me stop or activate overdraft protection horse have a low risk account this fee has happened more than 10 times in the past 12 months I can't do it I'm tired of it that's a lot of money XXXX * XXXX.
Consumer complaint received 2022-10-03
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. (NC)

in accordance with the Fair act, XXXX XXXX XXXX  Account XXXX 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 connot furnish a account without my written instructions.
Consumer complaint received 2022-10-03
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. (NC)

I submitted a letter to the 3 Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 2022-10-03
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. (NC)

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$2700.00}
Consumer complaint received 2022-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (NJ)

Flagstar Bank Escrow Issue Summary Flagstar Bank purchased my loan, and all associated obligations, from XXXX XXXXXXXX XXXX on XX/XX/XXXX. I was notified of this via a welcome packet sent from Flagstar on XX/XX/XXXX. Upon receipt of the welcome letter, I called Flagstar on XX/XX/XXXX to confirm that there were no actions I needed to take to ensure a smooth transition to the new lender. Both the welcome packet, and the customer service representative, indicated that there were no actions I needed to take to ensure a smooth transition, except to create an online account with Flagstar, which I did. 

My first payment to Flagstar was on XX/XX/XXXX. 

In XXXX of XXXX, I received notice from my Homeowner 's Insurance company that the next year 's premium was coming due on XX/XX/XXXX. The notification indicated that This Is Not A Bill, and that a copy was sent to my mortgage loan servicer. Given Flagstar 's repeated indication that there were no actions I needed to take, I then naturally, took no action. I was away for much of XXXX. Upon returning home on XX/XX/XXXX, I saw a final notice from my Homeowner 's Insurance company indicating that my bill had not been paid. It further indicated that failure to pay would result in termination of my insurance, and thus, a lapse in coverage. 

I contacted Flagstar Bank on XX/XX/XXXX, and was informed that though Flagstar had the name and contact info for my insurance company, Flagstar was unable to make payment on behalf until I gave them permission to do so. This was contrary to what I was instructed previously. I gave Flagstar the needed permissions and they mailed a check, which would arrive XXXX days after the due date. They indicated an inability to wire or courier the funds to meet the obligations they purchased from XXXX XXXX XXXX To prevent a lapse in coverage, my insurance company thus required a deposit on a credit card, from me that day, to cover the account until they received the check from Flagstar. I had no choice, so I paid on my credit card, and then received a reimbursement.

The following week, I requested an Escrow Waiver from Flagstar. On XX/XX/XXXX, I was granted an escrow waiver, but was informed of a large fee of over {$600.00} to move forward with the request. I have continually informed Flagstar that I am unable to accommodate payment of a fee to ensure that my bills are paid properly and on time. This is natural given the danger Flagstar nearly put me in, had I not been proactive. Flagstar, while admitting on XX/XX/XXXX that they are not legally required to levy the fee, insist upon it. Representatives have insisted that there is no way to remove it. 

Flagstar Bank is a company I never chose to be in business with. I refuse to be penalized for ensuring the security of my home and family.
Consumer complaint received 2019-05-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY (DE)

I receive a settlement of {$290000.00} in XX/XX/2012 an open account with Wells Fargo XXXX XXXX in Delaware I spoke to the teller and he asked me to open two secured credit cards both of us {$3500.00} each so {$7000.00} which was my own money I open account XX/XX/2012 I had over {$200000.00} in the bank but I just looked at the credit report and it's saying that I opened the card XX/XX/2012 and I was {$1000.00} negative I noticed to lie so I please can someone help me with this issue