davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am having major issues with XXXX and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account 2 more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken 6 payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for XXXX, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.
Consumer complaint received 2021-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MI)

I tried to apply for a credit limit increase on XXXX for my shell credit card. My limit was XXXX dollars. After requesting a limit increase of XXXX so my limit would be XXXX it instead changed my total credit limit to XXXX. This system issue will negatively impact my credit score, which I am trying to keep strong so I can buy a house. Please provide assistance with this as that is an unacceptable programming error in a financial application.
Consumer complaint received 2021-11-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX I initiated a XXXX transfer from my Wells Fargo account for goods and services to another XXXX member using their provided email address. Because I was using XXXX directly from my Wells Fargo app I assumed they would provide some sort of buyer protection for members using the service to complete legal and normal purchases and transactions. 
Wells Fargo includes the XXXX service directly from their website and app but is unwilling to reimburse banking members for money lost due to scams or unrecoverable goods.
Consumer complaint received 2021-12-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX I received a letter telling me I owed {$2700.00} dollars for XXXX accounts, although the date said XX/XX/XXXX. I'm not sure the reasoning for this. I read the paper and it didn't include my right to dispute. 

On XX/XX/XXXX I contacted them and my mother XXXX XXXX spoke to XXXX. She didn't give us enough information during the call so I'm unable to determine the validity. She also didn't tell my mother whether I could dispute it. 

My mother offered to pay with our health insurance but she told us because the visit happened in XXXX and we are in XXXX, we could not use our medical insurance to pay off the bill. 

She tried to pressure my mother into paying today with a discount, even though my mother told her " I don't have that type of money right now '' ( something along these lines ). My mother asked for another day and she said the deal was only today however, she previously said it could be for the month. 

Not telling us the right to dispute, trying to coerce my mother into paying today, no inclusion of my rights. 

I don't even know if these accounts aren't even mine because not enough information was given to me. I made an account to view my accounts on XXXX XXXX XXXXm and these accounts don't seem familiar. These accounts do not show up on my credit report for XXXX and XXXX. 

Today I sent a certified letter to the debt validation asking for more information.
Consumer complaint received 2019-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

Hello Sir or Madam, In XXXX I made a payment that brought my loan to value amount of the home to a fraction under 80 % and submitted a wavier request to PMI. Upon that payment I was informed that due to the calculated interest at the end of the month the Loan to Value would go above the 80 % by a fraction and denied my request by early XXXX. Upon denial, in early XXXX proceed to add funds to ensure that the Loan to Value would never go above the 80 % and resubmitted in application for removal of the PMI with no response. After multiple attempts and phone/email and speaking with several agents over months my PMI was finally removed the PMI for my XXXX Payment months later. Thus I have been charged unneeded PMI for the months of XXXX to XXXX. I feel my effort in dealing with this issue has been tedious. I worry that if they do this to me, who else it is done to, in other to earn or take a little extra. The PMI charge is XXXX each month. Chances are the issue will be resolved in two weeks, ( their response rate, if they respond ), but the effort required has already me issue a formal complaint. The company in question is Flagstar Bank. 

Best regards, Concerned Citizen
Consumer complaint received 2021-12-22
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 — 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/2021. And now we are in the month of XX/XX/2021 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. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2021-10-15
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)

All three credit reporting agencies ( XXXX, Equifax, and XXXX ) have not been abiding by the FCRA. I would assume that since they are not a government agency and their services are not required by law, they would be more careful to not make such enormous mistakes. For one, they have been sharing my identification information to a number of corporations without my consent. No consent is identity theft which is a crime pursuant to 18 USC 1028A ( a ) ( 1 ). As well as 15 USC 1681q. It is also considered to be fraud. Pursuant to 15 USC 1681c ( a ) ( 4 ), a consumer report is not supposed to contain accounts placed for collection or any adverse item or information. Everything they have on the consumer reports are not verified information and were not disclosed to me before reporting this fraudulent information to my credit report causing harm to my reputation. They have no right to furnish any consumer report without my written instructions pursuant to 15 USC1681b ( a ) ( 2 ).
Consumer complaint received 2021-10-15
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)

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

XXXX responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX XXXX , acting as an agent for XXXX XXXX XXXX XXXX XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED
Consumer complaint received 2019-06-20
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)

EUQIFAX, XXXX AND XXXX IS IN VIOLATION OF THE FCRA. THEY HAVE BEEN REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THEY HAVE NO CONFORMED WITH ME TO VALIDATE THIS INFORMATION OR ACCOUNTS. I DID NOT GIVE THEM MY PERMISSION TO REPORT THIS INFORMATION. THIS INFORMATION IS NOT MINE AND DOES NOT BELONG TO ME. 
THIS IS NOT MINE OR DOES NOT BELONG TO ME ADDRESSES : XXXX XXXX XXXX , XXXX, FL XXXX This address does not belong to me. 
XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX This address does not belong to me. 

ACCOUNTS THAT ARE NOT MINE US DEPT. OF EDUCATIO | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX  XXXX | XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX XXXX XXXX | XXXX INQUIRIES THAT ARE NOT MINE : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (KS)

I opened an account with Citibank in XXXX of 2021, specifically to take advantage of a promotion ( XXXX ) they had in which you would receive a {$300.00} bonus for depositing $ XXXX in a checking account and maintaining that balance for at least 60 days. I opened my account over the phone via a Citibank representative and clearly told them the reason I was opening the account was for the bonus. She opened my checking account and my initial deposit of {$15000.00} was deposited on XX/XX/2021, within the XXXX deposit period stipulated by their conditions. After not receiving the {$300.00} bonus after the XXXX period, I called Citibank and they told me I had to wait another 90 days for it to process but that my account was showing that the bonus would be applied. I called back XXXX more times before the 90 days just to check in and each time the representative told me that my bonus would be applied and that I just needed to wait. XXXX rolled around and I called twice since it had been over 6 months since my initial deposit. The first representative told me the bonus should have been applied already and couldn't give a clear answer on why it hadn't. She told me she would send the case to a supervisor and that I should receive an email or correspondence within 7 days. Within the week I got a letter stating that I did not qualify because the " linked savings account was not opened within the stated timeframe. '' I have several issues with this : XXXX. I specifically opened the account with the intention of receiving the bonus and I did it over the phone with XXXX of their representatives. If a savings account was required, she should have been able to open that for me at the same time. 

XXXX. Their promotion also specifically says " earn a cash bonus... when you open an eligible checking account and complete required activities. '' There is no mention of opening a savings account on all of their promotion brochures, etc... If there is a savings account stipulation mentioned it is hidden in their fine print. 

XXXX. I was told multiple times by Citibank representatives that I qualified for the bonus and that it would be applied to my account with time. I waited over six months from the time I opened the account and then they ended up sending a denial letter. 

I can provide more details if necessary and if Citibank actually records their calls they have multiple conversations recorded of their representatives saying the bonus should have been applied.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (CA)

Around XX/XX/XXXX, I saw a suspicious charge made to my credit card. I called in and got new card mailed. I was waiting for that new card for a while, and I didn't get any phone call/ text/ email from the company. On XX/XX/XXXX, I was checking my account, and saw someone activated my new credit card and have been using it. So, I reported right away, cancelling that credit card. The next day, I called in again, and got a new card issued ( and this one I have with me now ). About {$2000.00} charges were made to that stolen card. And that card, I never received it. Then, I haven't heard from them for a while, so I called in again regarding the process, and the company told me that they send some letter regarding the dispute. Then, I found out that the claim that I made on 19 purchases from unknown party using the stolen credit card during the dates of XX/XX/XXXX - XX/XX/XXXX ( totaling {$870.00} ) were reversed on the XX/XX/XXXX. After I found out through the letter received end of XX/XX/XXXX, I saw that the reason that these claims were reversed was because they claimed that I somehow " benefited from the transaction by either receiving services and/or merchandise from the merchant '' from a stolen card. I called in for few weeks regarding these reversed charges, but I heard various reasons from the employees, like I may have another cardholder using it ( which I proved that it was not the case, as both cards ( I share with another person ) went missing together ) and fraud not being viable, since the other party activated knowing my personal information ( the lady explaining this weren't hearing my case at all, just arguing that this is my fault ). Last time I called in again regarding this reversed claims and tracking number of the previous credit card package, and the lady on the phone firmly said that the case is closed and don't have access. She just referred to another department to call in regarding the case, which I haven't got a call for few days.
Consumer complaint received 2022-10-15
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. (GA)

on or about XX/XX/22 I disputed an inquiry from a company called " XXXX XXXX  '' ( confirmation # XXXX & XXXX ) I have not authorized this company nor do I no who they are nor did I give permission to obtain my report! 
Within less that 24 hours Equifax came back with results that Inquiries are a " Matter of Fact ''. with no further information. 
On or about XX/XX/22 AND XX/XX/22 certified letters were sent to Equifax, pursuant Federal Law, requesting who verified this account, method of contact and all relative pertaining information be sent proving this was a legitimate inquiry, Equifax has not responded. 

This information has been sent to my attorneys at XXXX and XXXX XXXX ( for reveiw for possible Federal Law violations ). 

I suggest ALL parties govern theirselvs as I move forward with these findings
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Consumer complaint received 2021-12-22
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 — Their investigation did not fix an error on your report
Company: Upstart Holdings, Inc. (CA)

I am having major issues with Upstart and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account XXXX more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken XXXX payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for 15,25, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.
Consumer complaint received 2019-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TekCollect Inc. (NH)

Original creditor was XXXX XXXX XXXX XXXX. I was renting and filled the 50 gallon tank assigned to my apartment just prior to moving out. I was expecting a credit based on the amount of oil left in the tank upon my departure, but instead my account, with amount due alleged to be {$700.00} to Tek Collect Inc., on XX/XX/2018. I have called said creditor multiple times to attempt to remedy the situation. The last call I made in mid XXXX where I was informed that XXXX had stopped the collections process and said delinquency has dropped off of two credit reporting agencies, however XXXX still reports it as in collections and I am unsure how to proceed in correcting this situation.
Consumer complaint received 2019-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WI)

On XX/XX/2018 I made a {$1000.00} payment to Navient via bank transfer. The amount was never credited to my Navient account. On XX/XX/18 I emailed Navient about this problem. They replied on XX/XX/18 to say they needed a trace number for the transfer. I requested the trace number from my credit union and sent it on to Navient via their document upload feature on XX/XX/2018. 

My account was never updated. I sent a follow up email to Navient in late winter/early spring 2018 ( I ma not sure of exact date, as I can find no way on Navient site to locate emails I have sent them, only emails from them ). I received no response. When I have tried to contact Navient Customer Service at XXXX I encounter a computerized system that provides no options for contacting a live person about this problem.
Consumer complaint received 2021-12-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

A collection account was placed on my XXXX credit file XX/XX/2019. Upon reviewing this item on my credit file, I responded with a dispute letter, requesting additional information on this account. After realizing that the item was wrongly placed on my credit file, XXXX removed the item, then reinserted it about a month later without properly notifying me. Violating the Fair Credit Reporting Act law which requires the consumer reporting agency to notify the consumer through a written letter within five business days after the determination is made. 
However during my very own investigation, I was able to contact the alleged debt seller of this account. Attached along with this correspondence, is an Email from a representative at XXXX XXXX apartments in XXXX Texas. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claim that I signed a lease agreement at the above apartment complex. 
Further more, despite numerous requests, XXXX and this debt buyer have failed to show any details about the age and of the original source, a detailed explanation of any interest, the date the original creditor claims the debt became delinquent. 
According to the FCRA, IQ Data International and XXXX have violated my rights as a consumer. And I am requesting legal action to remove this account from my credit file immediately.