davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-29
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: DISCOVER BANK (TN)

I, XXXX XXXX, the consumer was not given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties like XXXX, XXXX, and XXXX. Discover Bank never gave me an explanation on how I can exercise my nondisclosure options. With the directions pursuant to 15 united states code 6802 ( e ) ( 2 ), I am demanding you to remove my account from my consumer report immediately before taking legal actions against your company.
Consumer complaint received 2021-09-29
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. (IL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-08-12
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. I did not give written instruction. 

According to the law : 15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2019-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I have been waiting approximately 4 months to get an answer back from FedLoan Servicing when I requested that they recalculate my payments dating back to XXXX. The reason I made this request was because I would be eligible for public service loan forgiveness in XXXX. I have never missed a payment and have been on a qualifying payment plan the whole time. I was told that one of the two of my loans would be eligible in XXXX and the other would not be until XXXX. They said they would go back and review my payments and I never heard back, this was 4 months ago. 

My other complaint is that I got notification XX/XX/XXXX that I no longer qualify for the Income Based payment plan and that I had to apply for the Repay as you Earn plan ( Making me still eligible for student loan forgiveness ) I did all of this, submitted my documents immediately, and gave FedLoan immediate access to my tax records. On XX/XX/XXXX I received a letter stating that for now I am on a standard payment plan ( not eligible for loan forgiveness ) until I can get on the REPAY plan. I asked how long this process would take and was told two months. I verified with the customer service rep that for two months my payments would not be applied to my loan forgives and they told me that was correct. I spoke with that persons supervisor ( ID : XXXX ) who told me the same thing. I asked, so essentially Im being penalized because it takes your company that long to process loan transfers and was told that was correct and they would try to put in an expedited request. I asked if I would be receiving verification of this request and was told to just call back. 

Consumers should not be penalized because the servicer takes two months to transfer loans therefore delaying public service loan forgiveness. I would like to know how long this has been going on with my loans throughout the 8 years Ive been paying them back. Im sure there are other consumers that dont even realize that this is happening to them.
Consumer complaint received 2022-12-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

The interest withheld from each payment is following an amortization schedule, no matter if I pay each consecutive day, it is never less than XXXX months accrued interest. It is not applying interest on a daily earnings method. When I called and asked them to review, I was told I didn't have that kind of mortgage? It is a 30 year fixed simple interest loan. I am XXXX XXXX XXXX  months ahead of scheduled payment, but it has had no effect on my interest applied to payments. Please Help. Thank you
Consumer complaint received 2019-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (WA)

XX/XX/2019 I received a Balance Transfer offer and preprinted checks from CITI for my master card. However, I also received balance transfer offers and checks for two other consumers in the same envelope. I called and spoke with CITI regarding this matter on XX/XX/2019 expressing my concern that the two other consumers or any other consumer may have received my balance transfer information and checks which have my name, address, last four digits of my account number etc .... They did state that no activity had occurred on my account and to remedy the issue they asked me to send back the offer checks for the other consumers that I had received. It wasn't until I requested a freeze on my account that anything protecting my information was done.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

I PAID my bill on the card web site onXXXX at XXXX XXXX for {$39.00}. GoT a confermation # XXXXThis payment was for a purchas fromXXXX from XXXX for {$36.00}, and they tacked on {$3.00} in INTREST AND OTHER CHARGES, when I paid my bill on time the previous month! THAY PUT A HOLD ON MY CARD BECAUSE THEY COULD NOT FIND THE PAYMENT for {$39.00} I owe {$120.00} on a {$6000.00}, limit card, and they put a HOLD on this card!!! I DO NOT EVEN THINK THIS IS LEAGLE!! THEY NOW WILL NOT TAKE THE HOLD ON THE CARD OFF UNTILL they fix THEIR MISTAKE, ABOUT 30 DAYS!!! I have had upwords of $ XXXX XXXX on this card and this NEVER happend! It has ben in the last year or so thet I eve had PROBLEMS with this card that I ave had FOR OVER 10 YEARS!! I give my PERMISHION to check!
Consumer complaint received 2021-09-29
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: EQUIFAX, INC. (PA)

Equifax has continually lowballed my credit score, XXXX and XXXX have my XXXX score the same equatory to rate as XXXX, XXXX, yet Equifax which has exactly the same listed as XXXX???? 

Please have them correct and upgrade my score, my XXXX is XXXX
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

My name is XXXX XXXX XXXX XXXX.DOB XX/XX/XXXX, SS XXXX my address is XXXX XXXX XX/XX/XXXX, XXXX XXXX, GA XXXX please add the XXXX to my name.I have a few incorrect items on my credit report. I have NEVER been late on any of my credit card accounts The following account is not accurate please delete XX/XX/XXXXXXXX # XXXX I never had a collections account sold to another office or transferred I am not sure maybe it was confused with my father we have the same name XXXX XXXX XXXX XXXX he was lived at XXXX XXXX XXXX , XXXX XXXX GA XXXX. That address is not mine please remove it from my credit report. The following phone numbers are not mine please remove ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. I would like my name OPT OUT of pre-screen credit cards and insurance promos.
Consumer complaint received 2021-09-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (NJ)

Original credit company, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to XXXX  but only can pay XXXX XXXX. So I settled for XXXX on XX/XX/21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but XXXX XXXX XXXX  is still reporting the same account as a charge off. I then disputed with equifax, XXXX and XXXX  along with copies show proof but they only updated XXXX and all will not update to paid/settled for XXXX XXXX XXXX  XXXX Even though the letter clearly references that the original creditor is XXXX XXXX XXXX. I am filing a complete because I need XXXX XXXX  and credit bureaus to update my status to settled and not charge off with XXXX balance. Your assistance is greatly appreciated. Thank you in advance
Consumer complaint received 2021-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CO)

I signed up for XXXX XXXX at a second house we bought. I signed up over the phone and I was not told there was an early cancellation fee over the phone. I was unhappy with the service and called to cancel. I was then told there was a cancellation fee but I disputed this because I was not originally told about it. 
The amount owed was sent to XXXX  collections. I filed a dispute it was forgiven. 
Then without my knowing the debt was suddenly owed to IC Systems in the name of XXXX XXXX XXXX. It is the same account but now a new company is trying to claim I owe them the debt. 
I was never notified, they may have mailed things to that house but we sold that house in XX/XX/2019, also the house does not have a mailing address, the only address the company would have had was my home address. they never called or mailed me anything. I only found out about the debt when I tried to refinance my house. 
I paid it to make it go away. I was told I would receive a receipt, I have not. I called back and was told I would receive a receipt by the end of the day. But I still have not. 
I have paid the bill, even though I was not told about this cancellation fee originally and the debt has been given to a new company without me knowing and now I can not get it off my credit report or even proof that it is paid.
Consumer complaint received 2021-09-29
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. (NC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2019-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (FL)

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-08-12
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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (AZ)

I have an auto loan through chase auto finance, I couldn't make one payment due to no income, out of work due to covid. I called in and was told I got a differed payment, called again the next month as nothing changed, was transferred to several departments and hung up on 7 times. The payment went passed due. I called the next month several times finally getting in touch with someone, asked for the same difference as the last time. He asked for my situation and said I dont qualify for any " extention '' because my no income situation is " unresolved '' ... no kidding kinda the point. I escalated to a supervisor who reviewed the calls said I never mentioned covid being my reason. Yet I specifically asked for the same extention because nothing has changed... now two payments past due they can help me, but only if I pay at least 1 month of past due and fees. This is extortion through willful ignorance until their policy requires payment to move on .... I requested a copy of all the recorded phone calls and they of course couldn't help me with that. What options do I have im drowning from their malicious practices or utter incompetence?
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CURO Intermediate Holdings (TX)

They are reporting information that's not mine. I had several break ins over time. To many Data Breaches with XXXX. I have tried to explain to the consumers what have taken place. Have faxed over texts that I have received from XXXX talking about the Data Breach. And the police report number that I had at the time I started notice these fraudulent accounts on my report.
Consumer complaint received 2022-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (PA)

Previously filed dispute with chase credit card while I was incarcerated. Requested application with signature that opened this credit card account. Chase sent back an document that was not an application with my authentic signature.
Consumer complaint received 2022-01-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

On XXXX I sent a letter disputing the erroneous account with the creditor CHOICE RECOVERY for the amount {$120.00} stating that the information that they are reporting on my credit report does not belong to me.I 've requested that they send me the information to validate this debt each time I've requested the information I never received it. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.
Consumer complaint received 2021-09-20
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. (WA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2021-09-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Colony Brands, Inc. (IN)

I was trying to make a payment to XXXX XXXX XXXX. 
The payment was due on the XXXX of each month. 
Made a payment online and received a message that confirmation was delayed but would be sent in 30 minutes. 

Tried the process twice, made copies of the error message. 

Received an email that my payment was late. 

This has happened twice since I received the card. 

A customer service representative called me about my late payment. 
Informed him of the problem I was having. He told me he does not handle that department on late payments.
Consumer complaint received 2022-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (WI)

Some of the transactions on my account are being processed twice. Its very random and not all transactions. For example a transaction posted today for {$46.00} from XXXX and it was subtracted twice from my funds. I had a transaction last week from XXXX last week when I went grocery shopping and it processed twice. My paycheck was deposited today and Im hesitant to pay bills because I do not want to risk the transaction going though twice. Ally bank does not respond to messages.
Consumer complaint received 2021-09-29
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. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (GA)

Lease was up on XX/XX/2020. Security deposit of {$520.00} withheld. They had repairs of {$340.00}. I should get a check of {$170.00}. Instead they say I owe an additional month of rent, 40 % late fee and half of security deposit was non refundable therefore does not go to the {$1000.00} balance they claim I owe them. It is in collections and effects my credit score. I moved out before XX/XX/2020. And have proof.
Consumer complaint received 2022-08-03
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. (LA)

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

For more than 7 years the XXXX at Wells-Fargo have arrogantly refused to listen that it's impossible for us to phone an 800 number within the US from another country. While this is unbelievably stupid, it's also cruel, especially when one 's finances are involved. They have made me suffer for more now than 7 years. 

I HATE THEM, I'M SICK OF THEIR ATTITUDE OF SHUTTING OFF ACCESS TO MY ACCOUNT THEN PLAYING SICK GAMES DENYING ME ACCESS TO MY MONEY SO I CAN LIVE. 

THEY MUST BECOME PROFESSIONALS AND LISTEN TO, AND HELP THEIR CUSTOMERS.
Consumer complaint received 2021-07-26
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. (MS)

XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2021-09-20
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. (NC)

I submitted to Equifax my FTC Identity report with supporting identification documents in reference fraudulent inquiries placed on my report, on XX/XX/2021. Once submitted i called the Fraud team and they told me inquiries would be removed. After, they inquiries came back as factual. I would like the inquiries removed from my report immediately