davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-12
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # Ending XXXX received two letters That has violated my rights, I will be uploading the Letters that 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. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681g - Disclosures to consumers ( 1 ) All information in the consumers file at the time of the request, except that ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( 5 ) 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 1692 ( B ) ( 2 ) 15 u.s.c 1692 ( C ) ( A ) 15 u.s.c 1692 ( G ) ( A ) 15 u.s.c 1692 ( D ) 15 u.s.c 1692 ( C ) ( A )
Consumer complaint received 2023-03-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (TX)

I subtmited a merchant dispute for merchandize not received with my bank on XX/XX/XXXX XXXX, the bank never sent any letter of the status of the claim. I called XXXX XXXX to know about the case and I was informed that the case was closed without any advice to the customer because the bank sent me an email to a different email address I provided. They have my last name of my email wrong. 
So I opened the case again on XX/XX/XXXX with the information requested, that was the invoice showing that merchant must sent items to my address. 
I sent it and on the same day the bank said that on the invoice is not written, and it is. Is wirtten that shipment service was included and also the address where must be sent. 
The bank didnt follow the instruction I gave them by phone, to start the merchand dispute. Also didint follow the regulation E and Z procedures.
Consumer complaint received 2016-10-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Weltman, Weinberg & Reis Co., L.P.A. (AZ)

XXXX XXXX, 2016, I recieved the letter from Weltman , Weinberg & Reis Co. , LPA and Current Creditor : XXXX XXXX. On XXXX XXXX, 2016, I contacted to them to find out whats going on and asked what is XXXX XXXX is? They explained what this company is, which I never had a member with XXXX XXXX or even I never sign with agreement contract with my signature to XXXX XXXX. Which I believe it 's FRAUD! Please help to FIX!
Consumer complaint received 2023-08-03
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (WI)

Im not sure I have a claim, but would like to know. 
In XX/XX/2012 my husband XXXX  XXXX  in XXXX XXXX, XXXX. We had gotten a loan prior to his death, from Wells Fargo in XXXX, XXXX, to purchase an XXXX XXXX diesel pusher motor home. I dont recall the year or length of it. When he died I didnt feel I had enough income to keep making the payments. I told Wells Fargo I wanted them to just repossess the motor home, but they wanted me to just pay it off which I couldnt,,, I just wanted them to repossess it, but not until I paid them {$28000.00}. after much haggling and arguing with them which I did, and they sent someone out at a later date and they took the motorhome. Ive often wondered if that transaction was above board or not,,, ,and I would like to find out if I have any kind of compensation coming. 
Thank you, XXXX XXXX
Consumer complaint received 2018-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

Request to remove the United States Post Office as my personal address was ignored by Experian reported XX/XX/2018. I received notification that the address reported by and on Experian file at XXXX XXXX XXXX # XXXX XXXX XXXX, Md XXXX was high risk to lenders. 

On XX/XX/2018 a consumer file was pulled from XXXX showing XXXX XXXX XXXX Unit XXXX XXXX XXXX, Md XXXX.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc. (NV)

I have had an escrow account with Caliber Home loans and I am disputing the amount. According to the XXXX treasurer office, since my BK 11 confirmation date the servicer had only paid a total of {$8500.00}. My payment for principal and interest if {$790.00}. I made a payment of {$1200.00} on XX/XX/XXXX, which {$400.00} went to past escrow,, I made a payment of {$1200.00} on XX/XX/XXXX which {$400.00} went to past escrow,, Another payment of {$1500.00} was made on XX/XX/XXXX, {$700.00} went to escrow and another payment of {$1500.00} on XX/XX/XXXX, {$700.00} also going to past escrow. 4 payments totaling {$2200.00} should be deducted from escrow. Past due escrow {$8500.00} minus {$2200.00} should be {$6300.00}. 
Caliber sent me a letter stating the following : Please note, as indicated in our XX/XX/XXXX response, the loan was converted back to a non-escrowed loan and the escrow collection is no longer in effect. Since the remaining escrow balance of {$8300.00} was converted to an Ancillary Fee, there is no balance reflecting in your escrow account at this time. Also to note, Caliber received a payment on XX/XX/XXXX which credited {$400.00} towards the Ancillary Fee balance, leaving {$7900.00} as the outstanding Ancillary Fee balance In addition,, I have sent the XXXX payment of {$1200.00} and I paid the XX/XX/XXXX taxes today in the amount of {$400.00}
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 is missing that should be on the report
Company: AMERICAN HONDA FINANCE CORP (TX)

I completed ( paid off ) a vehicle loan with Honda financial services in XXXX of XXXX. As of XXXX of XXXX  until current the loan or vehicle or payment history has not been reported to my credit. The company admitted on a recorded line and via email communication that the vehicle/loan was removed due to covid relief without my knowledge or permission. I did inquire, ask or request for these actions to be taken. As a result the item was never reinstated on my credit. Ive been following up with the company since XX/XX/2022 yet this situation has still not been rectified.
Consumer complaint received 2017-10-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ad Astra Recovery Services Inc (TX)

I CONTACTED A 3RD PARTY COLLECTION AGENCY RECOVERY ACCOUNT # XXXX AND INFORMED THEM THIS WAS NOT MY ACCOUNT. INFORMED THEM THIS WAS MY EXWIFES ACCOUNT AND THEY REFUSE TO REMOVE THIS FROM MY CREDIT FILE. MY EX WIFE XXXX XXXX FILED A BK XXXX XXXX/XXXX/XXXX AND THIS ACCOUNT/ CREDITOR HAS BEEN INCLUDED IN HER PETITION AS A CREDITOR. MY EX SPOUSE XXXX XXXX HAS ACKNOWLEDGED THIS IS HER ACCOUNT AND THIS 3RD PARTY COMPANY CONTINUES TO HARRASS ME AND DAMAGE MY CREDIT FILE.
Consumer complaint received 2023-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Company was Wells Fargo they had our home mortgage, we fell behind because I was XXXX  We tried to work with Wells Fargo. To get caught up and they kept denying that we had paperwork turned in. And then when we turned it in it got lost or transferred to another division. So we got the runaround. This was about in XXXX or XX/XX/2014. And it was around {$15000.00} that they wouldnt work with us.
Consumer complaint received 2021-04-22
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2016-10-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (IA)

Inaccurate reporting for several accounts w/ Fedloan servicing. I called around XXXX of 2014 to reinstate my account and was told that I could have a forbearance put on my account which would be retro-acted to the beginning of delinquency. I specifically asked if this would also change the reporting of those months. I was advised that it would show as a forbearance on my credit for those months. I request that all of my accounts be updated to reflect XXXX 2014-XX/XX/XXXX 2014 to reflect as under a forbearance plan or current. XXXX of the accounts already reflect current for XXXX 2014 only. Additionally, I request that they remove the " customer disputes '' language/notation from ALL of my fed loan servicing accounts once reporting is fixed. To ensure proper research I direct you to the first conversation in XXXX and listen to the recorded conversation that stated my credit would show forbearance and no delinquency. I have reached out twice now with NO RESPONSE to get these matters fixed.
Consumer complaint received 2016-11-22
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SD)

Mortgage process was started on XXXX XXXX. I have submitted every document requested within 2 business days, however, 4 1/2 months later this loan is not closed. Originator has been good to deal with but at this point I have received XXXX closing disclosure documents. The appraisal report is dated XXXX XXXX and a closing was tentatively set for XXXX XXXX but no one showed up to our location. There a plentiful excuses but I would just like this project completed.
Consumer complaint received 2023-07-22
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. (CA)

YOUR COMPLAINT My identity was stolen and used by a thief to get a residence and open phone services. I have lived at XXXX XXXX XXXX XXXX XXXX  XXXX 5 years this has always been my residence. I have never had an account with XXXX XXXX BOOST {$14000.00} XXXX I AM A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THESE ITEMS BE REMOVED FROM MY CREDIT REPORTS IMMEDIATELY. I HAVE NEVER LEGALLY ENTERED INTO BUSINESS WITH ANY OF THE COMPANIES LISTED ABOVE
Consumer complaint received 2016-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (CA)

After first consolidating all of my loads with Fedloan Servicing, I have been attempting to get on the Income Based Repayment program since I received my new federal government job and my income increased and I qualify for the 10 year loan forgiveness repayment program. I submitted my documents twice. Every month they say they will calculate and notify me of my new payment but every month all they do is send me the same bill with the same INCORRECT amount due. This has been happening since XX/XX/XXXX and it is now XX/XX/XXXX, and I am really frustrated. I just want to repay the amount I owe, not have to call and re-explain everything every month.
Consumer complaint received 2023-07-22
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. (CA)

These ITEMS are in litigation. Please delete these items 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 2023-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (WI)

I did a transfer using XXXX on XX/XX/2023 that failed but was taken out of my account. I contacted XXXX and they stated that because theyre a payment transfer company and they dont hold funds, I needed to file a dispute with my bank. I did that on XX/XX/2023. On XX/XX/2023, XXXX attempted to refund me and the transaction was decline by XXXX. Ive asked the support team twice why it was declined which would have shortened the 90 day time frame they keep telling me about. They refuse to answer why the transaction was declined and instead keeping trying to explain it can take up to 90 days.
Consumer complaint received 2023-07-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (OK)

I made an order of 3 items from XXXX and used Afterpay to purchase those items on XX/XX/2023. I canceled those items within a few hours of ordering but only two items got canceled and refunded. The third item got shipped and delivery was refused so it was returned to the warehouse in California. I spoke with a supervisor on XX/XX/2023 from XXXX who confirmed she would have the item sent back to their warehouse and I would be issued a refund as soon as they received the item. The item was received in their warehouse on XX/XX/2023 and one of XXXX 's employees signed for it. I haven't received a refund of the {$230.00} that I am owed as of yet. XXXX says they can not help me because this is something Afterpay has to resolve. I have started several cases with Afterpay and no one has been able to help me with this. It has been over a month, actually almost two months. A representative at XXXX said that once I started a case with Afterpay, when I confirmed the item was being returned, it basically blocked them from doing anything with my account on their end. They said Afterpay has my money and there is nothing XXXX can do to help me. 

My purchase total was : {$460.00} for XXXX items. 

I got refunded for two items : {$200.00} + {$22.00} The third item got returned to the XXXX warehouse but I have been charged for that item. I am still due a refund of {$230.00}! 

I have used many company 's that are for this same purpose and have never had this same issue. This was the first time using Afterpay and I will never use them again.
Consumer complaint received 2023-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synovus Bank (FL)

I received a statement in XXXX about an overdrawn account at Synovus bank. I never heard of the bank prior to this. I called them and they stated it was opened online. I made them aware I XXXX not open it and they told me they don't have a fraud department and that I would have to write them stating it wasn't me. I sent the email XX/XX/22 stating that it was fraudulently opened with my maiden name. I kept getting statements and then a collection company called and I informed them as well. I called the credit bureaus to see if it was on my credit and explained everything so if it does I can start the dispute. I got a notice a few weeks ago that it hit my credit report. I started the disputes and XXXX shows it as valid. I did not create this account. I want this off of my report please. How is it possible to open an account online without having to upload an ID or show any proof of identity? I'm working in my credit and this will set me back. Please help.
Consumer complaint received 2023-07-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I acquired a simple interest 30 yr loan on my property in XXXX which charged daily interest. When I refinanced to a 15 yr loan in XXXX ( when I was XXXX ), I began making 2 payments per month but the balance has not gone down during the month which means I'm not being charged daily interest. I would like for Chase to refigure my balance using daily interest charges and giving me credit for the 10 years of 2 payments/month.
Consumer complaint received 2023-06-05
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: Self Financial Inc. (CA)

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered part of my transactions and experiences between your company and me. 

Kindly fix the following accounts : XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$430.00} Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
Consumer complaint received 2016-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (ME)

Hello, The company that is servicing my daughter 's student loans is Pennsylvania Higher Education Assistance Agency. My daughter has written to them multiple times to request the extra money that she is paying every month ( {$50.00} ) be applied to the loan with the highest interest rate. Month after month the company has some story about why it can not happen. The extra payment is being spread over all XXXX loans, and the lowest amount of the repayment is being applied to the loan with the highest interest rate. 
Is there anything that can be done about this issue? 
Thank you. 
XXXX XXXX
Consumer complaint received 2023-04-24
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)

On XX/XX/XXXX, I contacted Equifax regarding inaccuracies on my credit report. To this day, I have not received a response. 

The following account is not mine : COLLECTION ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ). Please remove it from my credit report. 
The following account contains inaccurate information : XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$1600.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report. 
The following account contains inaccurate information : XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ). I was never late on any payments for this account, and I request that you correct this information on my credit report.
Consumer complaint received 2023-04-24
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. (GA)

This is my NUMEROUS 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 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 2023-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I recently traded in my old car for a new one getting the difference from the dealership company to take home. After depositing my check online, it was on hold 11 days. And after the 11 days my account is restricted and cant access the funds because Chase cant verify the check.
Consumer complaint received 2021-03-24
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: Experian Information Solutions Inc. (SC)

XXXX XXXX information was not being processed correctly, i was advised last payment would post accordingly without causing a late fee. But that was not the case once the pymt was posted. causing my prefect pymt history to suffer a late fee. ALL ACCOUNT INFORMATION NOT BEING REPORTED CORRECTLY WITH ALL CREDIT AGENCIES. THE ACCT WAS AREEGED UPON TO BE DELETED UPON PIF.