davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

I bought a home and set up my mortgage with XXXX XXXX XXXX  to get a good interest rate. In XXXX the mortgage unknown to me got sold to WellsFargo. I think started payments online through XXXX and apparently payments were going to the address of property but not to my home address where I had set up XXXX XXXX XXXX XXXX. calls were made to remind me of late payments to my job number but not the cell phone number i had on file. No email notices of late payments were made. Four payments went into an abyss on my XXXX  bank account and not to WellsFargo- With 3 visits to Wellsfargo banks and 3 phone calls we found out the following:1. No one had contacted me by email to notify 2. My credit may be compromised with 4 late payment fees totaling {$110.00} each month for the 4 months. I paid {$6500.00} after a phone call made XX/XX/30 and one late fee was removed. I was told once i provide the info to a supervisor given the mistake on part of Wellsfargo automatic payment system that charges would be removed especially since i had not been notified. I hope this doesn't effect my credit score. My score was great in past. Additionally, they sent me letters which i got later from my renter that were in XXXX language. A noticeable faux paux on part of WellsFargo to make assumptions about my ethnicity  despite their language enablement program where i stated i speak English. This is the most offensive part of the activity from Wellsfargo with their lack of communication with customers at the forefront. I feel bullied by a bank I didn't choose initially for my mortgage, am upset i paid thru XXXX  but that their incorrect address listed made them not get the payments and now i have to pay XXXX late fees- in amount of {$160.00} given their mishap. This business should be held liable for this failure to notify their customer then assuming the customer is XXXX. The supervisor contacted at WellsFargo told me to contact her in a years time for this late fee reversal. Gentleman Named XXXX XXXX at the Wellsfargo XXXX XXXX was very kind and also was perplexed at the mortgage supervisors reaction to me as a customer. Banks cant have fee reign on customers/citizens. If i could i would move my mortgage out of this bank and will be doing that as soon as i can refinance. They have stolen from me before and are again it seems. Please hold them accountable!
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OZK (TX)

Hello, I do not find the letter from Bank OZK dated XX/XX/2022, an adequate response to my FDIC compliant dated XX/XX/2022. 

As mentioned in my previous letter, I tried to open a personal checking account on XX/XX/2022, at approximately XXXX XXXX To provide my context and clarity, I was the only person inside the branch and there were not any cars in the drive-thru. Also, there were 3 Bank OZK employees in the branch. Last, does OZK system shut down at XXXX? If not, why did the Bank OZK employee tell me that? 

If the check was verfied in accordance with Bank procedures that help protect the customer and the Bank from potential fraud, why was a hold placed on the check after it was verified while I sit in the office? 

I am unable to locate anywhere in the Federal Regulation CC ( Expedited Funds Availability Act ) that calls for a 9 day hold on the amount I deposited. 

https : XXXXXXXX-12/chapter-II/subchapter-A/part-229 Per FDIC Availability of Deposits Subject to Exceptions ( 229.13 ( h ) ) For deposits subject to exceptions to the availability schedules, other than deposits into new accounts, the depositary bank is permitted to delay availability for a reasonable time beyond the schedule. Generally, a reasonable period is considered to be no more than XXXX business day for on-us checks and XXXX business days for local checks. 

https : XXXX2/chapter-II/subchapter-A/part-229/subpart-B/section-229.13 It appears that holds may be placed on checks that are deposited into your bank where the branch is located in a major minority XXXXI census tract and holds are not placed on checks deposited in branches located in a Upper income major white census tracts. It does not appear that Bank OZK event conducted any type of comparison data. 

https : //www.fdic.gov/resources/bankers/consumer-compliance/unfair-deceptive-abusive-acts-practices/ https : //www.consumerfinance.gov/compliance/supervision-examinations/unfair-deceptive-or-abusive-acts-or-practices-udaaps-examination-procedures/ Last, Bank OZK should provide their procedures for holds on account and explain why a XXXX man deposited a check appeared to be fraud.
Consumer complaint received 2022-12-08
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. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-09-27
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 several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2022-07-30
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. (AL)

My credit report shows that I have 2 collections. The status for both is open and past due. A collection account can't be open and therefore it should not be reporting open. The fact that it is in collections means it has been charged off. A collection is by default late and past due. 

1- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MA XXXX XXXX XXXX  Acct # XXXX Alleged amount balance - {$360.00} Alleged Original Creditor- XXXX XXXX XXXX XXXX Alleged Original Creditor Acct # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Debt collector Acct # XXXX Alleged amount balance - {$1400.00} Alleged Original Creditor- XXXX XXXX XXXX. 
XXXX XXXX XXXX Acct # - XXXX
Consumer complaint received 2022-12-08
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: SYNCHRONY FINANCIAL (MD)

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

15 USC 1681 Section 604A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-21
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. (NY)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2022-12-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was scammed into wiring {$52000.00} to JP Morgan Chase to account XXXX XXXX XXXX XXXX XXXXXXXX in New York through my bankXXXX XXXX XXXX XXXX XXXXXXXX, CA. A few hours after wiring the funds, I issued a recall of those funds. Chase bank, routing # XXXX, did not recall the funds.
Consumer complaint received 2022-12-08
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-30
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)

Dispute letter sent to Equifax XX/XX/22 to update correct address and to remove inaccurate addresses on file. As of XXXX inaccurate addresses still being reported under Personal Information ( Contact Information ).
Consumer complaint received 2022-12-08
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: AmeriCollect (MO)

Again, Americollect Collections of XX/XX/2022 added to my credit report 5 collections in the amount of XXXX, XXXX, XXXX, XXXX and XXXX. These collections have been added to all three of the credit bureaus. They have tried again to reach me by phone several times after which I asked them not to contact me any longer. This consumer agency has violated several laws 15 U.S.C. 1681 Section 602 A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 Section 604 A ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1692 Section C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2022-09-27
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/22 Balance : {$360.00}, XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$82.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (CA)

This complaint is for better clarification and in addition to a complaint filed on XX/XX/XXXX # XXXX. I have been making double payments on my CMG financial mortgage ( loan # XXXX ) for the last year. Per CMG Financial 's policy any amount over the mortgage payment goes towards principle on the loan. This month ( XX/XX/2022 ) I paid a little over double my mortgage payment. The second payment I made for {$1300.00} this month ( which should have all gone towards principle ) was applied towards interest and only {$29.00} of that amount was applied towards principle. I have called them seven different times. Each time they informed me that it would be taken care of in 3 days. It has been approximately 3 weeks and I have spoke with XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX and XXXX XX/XX/XXXX and most recently XXXX # XXXX on XX/XX/XXXX and several other CMG agents whose names I do not recall, and they still have not fixed the payment problem.
Consumer complaint received 2022-09-27
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)

I have been submitting multiple letters with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the 3 Credit Bureaus. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2022-06-09
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)

XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (PA)

I called customer service and asked a supervisor/manager to call me back or email me regarding the {$400.00} bonus if could give me as a courtesy. But no one called me or email me within 24 hours. 10 transactions were only 1-2 days late.
Consumer complaint received 2022-09-27
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)

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2015 XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$49000.00} XXXX XXXXXXXX XXXX Balance : {$2900.00}
Consumer complaint received 2022-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (MS)

Service for daughter was provided through Louisiana 's XXXX XXXX XXXX. We were repeatedly told that services and products were at no charge and a covered part of the program. 

XXXX XXXX - XXXX XXXX is charging us a fee for {$1200.00} and using the debt collection agency XXXX  America to collect funds. 

I have reached out to both the collection agency and XXXX XXXX, neither will return calls or explain this charge. 

USCB Reference Number XXXX
Consumer complaint received 2022-12-08
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: U.S. BANCORP (NY)

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. 
XXXX XXXX  XXXX has been paid and closed since 2019 but on my report, this is still showing that it is 30 days late. How can this be? They should be reporting the account paid or closed. This account should not be showing a late date since they have already been paid for. It seems impossible to accrue late on an account that has already been paid, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. 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. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
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. (FL)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXXXXXX 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 2022-07-30
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. (AL)

i went to the XXXX dealer ship to get a car but they went crazy on checking my credit report all hard inquiries after everything they say no to me 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 2022-01-04
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. (IN)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.