davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: GOLDMAN SACHS BANK USA (MD)

Marcus CD early withdrawal 6 months penalty is too high, a business fraud. 

On XXXX XXXX, XXXX, I opened a CD account ending 8604 with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, XXXX. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. I couldn't review any statements after account was closed. Instead of earning interest for the 5 months ( XXXX XXXX ), ended up I had to pay over {$2000.00}. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government?

I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. 

I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.
Consumer complaint received 2016-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (GA)

I filed bankruptcy and it has been discharged, and am continuing paying my mortgage on time -- it is current. But SETERUS does not send me statements and nor can I download them. When I make payments to them, I have no idea about my new balance, etc. Providing a customer with a statement does not constitute a request for payment. My second mortgage lender, XXXX, provides me statements without payment request, so I know it is possible. I do not understand why SETERUS does not, but at this point I feel it is unlawful to not inform existing mortgage holders of balances, etc after payment is received. They will not talk to me over the phone and insists they can only speak with my lawyer. Again, my bankruptcy has been discharged.
Consumer complaint received 2022-12-14
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. (VA)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX , VA XXXX ; XXXX XXXX Balance : {$6200.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$0.00} ; VIRGINIA XXXX XXXX Balance : {$4900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On the morning of Friday, XX/XX/XXXX, I recieved phone calls from scammers claiming they were my bank Wells Fargo and they eventually got access to my account and made two fraudulent transactions, one for {$350.00} and another for {$600.00}, as well as " internatioanl purchase transaction fees '' of {$18.00} and {$10.00} respectively. Once I realized what happened, I immediately called Wells Fargo to let them know what had just happened. They seemed indifferent to my situation and addressed me with minimal help. I filed a formal fraud claim with them, which was quickly denied. I then started another fraud claim, which too, was denied. Upon asking the customer service rep on the phone why they were both denied, he told me that the bank " didn't believe it was fraud '' based on their investigation. I am now left without my money, and no avenues to get my money back from whoever stole it that day. I am unable to contact the merchant on the transactions because it is overseas, and have minimal information about themselves.
Consumer complaint received 2023-04-07
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)

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}
Consumer complaint received 2023-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

All of the bureaus are diclimg a refusing to remove or dispute any of the inaccurate items that are on my credit. I continue to ask them to show me proof of who thery verified information from and when they continue to ignore me and violate my consumer rights.
Consumer complaint received 2023-04-07
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. (CA)

My consumer report contain errors, inaccuracies, and outdated information that can harm my credit score and financial reputation. These agencies may have different information on my consumer report, which can lead to inconsistencies and errors.
Consumer complaint received 2023-04-07
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. (NY)

XXXX XXXX and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached
Consumer complaint received 2023-08-07
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)

Someone stole my ID and social security number and used it without my consent and knowledge. The person also gained a rental and car lease in my name. A credit card and insurance account was opened in my name as well. I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # XXXX ; XXXX On XX/XX/2022, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2023-08-06
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. (WA)

In accordance with the fair credit reporting act XXXX name and account number ; XXXX XXXX XXXX XXXX {$11000.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$4900.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My car payment is {$480.00} payment was getting made fine until my state delayed my uc funds and work has decreased due to covid. I'm still willing to work the payment out but they will not give me a deferment or forbearance on a loan or lower payment option!!
Consumer complaint received 2018-05-31
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Thereto the law of the FDCPA XXXX XXXX and his letter alleges to be a customer advocate for SPS on behalf of XXXXXXXX XXXX XXXX the alleged original lender. The alleged original lender has never attempted to collect an alleged debt nor has said company that being XXXXXXXX XXXX XXXXXXXX has ever contacted the customers herein this matter. Therefore XXXX XXXX and SPS along with XXXX XXXX XXXX XXXX XXXX [ XXXX ] and others not limited thereto employees of all said companies former and present are being forewarned that the mentioning of a debt without verification and validation is a Fair Debt Collection Practice Act issue and shall be addressed herein. XXXX XXXX on behalf of all mentioned companies have lied, he nor any company has ever attempted to validate nor verify this alleged fraud debt. There is no contract between XXXXXXXX XXXX XXXXXXXX now doing business as XXXXXXXX XXXX XXXXXXXX and said company has never attempted to contact the customer. As such this notice of Default and dishonor has been forwarded herein thereto all in this matter and collections has taken place with interest and such shall be filed in Federal Court within the USA.
Consumer complaint received 2023-08-04
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. (GA)

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 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 2018-09-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (FL)

On XX/XX/2018 we sold a plot of land at Lot XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX Arkansas. The title company discovered that our mortgage company holding the mortgage on our home at XXXX XXXX XXXX in XXXX Arkansas has made a mistake on our mortgage documents and included a lien on the plot of land at Lot XXXX XXXX XXXX and another unrelated lot. 

During XX/XX/2018 we made several attempts to contact someone at US Bank to help us resolve the issue. We were transferred back and forth and finally given a fax # to send our documents to. We attempted to fax many times over several days but the fax never answered. We then were finally given an email address for a person at the bank we could send our documents to. After 3 email attempts with no response, I emailed that person that I would have to file a formal complaint if I didn't get some response. On XX/XX/2018 I received an email response that our file was being sent to their title department to fix. I waited another week and emailed again to inquire about the progress and received no response. I emailed the individual 2 more times and have not gotten any response. 

The closing for this land was originally set for XX/XX/2018. It has been postponed indefinitely until the bank releases the lien.
Consumer complaint received 2023-03-06
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)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding inaccuracies on my credit report, which I have already sent certified letters to Equifax and XXXX regarding the same issue. The certified letter sent to Equifax has a tracking number of XXXX, and I can provide further proof of delivery upon request. Attached to this letter is a copy of my credit report, which highlights the inaccuracies that I have disputed. 

I have diligently reviewed my credit report and have identified several errors that are negatively impacting my credit score. Specifically, [ Account XXXX - XXXX Account Holder XXXX - XXXX ] Account XXXXXXXX XXXX XXXX - - Account Holder XXXX Account - - XXXX XXXX Account Holder - - XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Holder XXXX - XXXX Current Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Addresses : 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 XXXXXXXX Employer XXXX XXXX XXXX XXXX XXXX XXXX  I have already submitted disputes to Equifax and XXXX to correct these errors, but they have failed to address my concerns. 

I am concerned that these inaccuracies on my credit report will not only affect my credit score but also my ability to secure credit, loans, and other financial products in the future. I am requesting your assistance in resolving this matter and ensuring that my credit report accurately reflects my creditworthiness. 

In addition to the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information to consumers and to investigate and correct any errors, I believe that the following laws also apply to my case : Fair Debt Collection Practices Act ( FDCPA ) : This law regulates the practices of debt collectors and prohibits them from engaging in unfair, deceptive, or abusive practices when attempting to collect debts.

Fair Credit Billing Act ( FCBA ) : This law requires credit card issuers to provide consumers with accurate billing statements and to investigate and correct any errors. 

Equal Credit Opportunity Act ( ECOA ) : This law prohibits discrimination in credit transactions based on factors such as race, gender, religion, national origin, age, or marital status. 

I am hopeful that with your assistance, we can resolve this matter in a timely and satisfactory manner. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-08-21
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)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-31
Product: Credit reporting 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. (OK)

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 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.
Consumer complaint received 2023-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (IN)

I have an approved borrower defense case for Sweet vs Cardona. I am full class. It is only for a portion of my student loan debt. XXXX contacted me and said my loan would be transferred back to them. I'm concerned if this will be all of my student loan debt ( only $ XXXX + interest is for the approved borrower defense ) or just the borrower defense amount? I've been waiting a long time for my PSLF counts to be updated ( XXXX eligible, XXXX qualifying, XXXX ineligible, and waiting for XXXX randomly missing months to be added that were on my approved ECFs and letter from Mohela dated XX/XX/XXXX ). I want my refund for borrower defense but also want no additional delays with my PSLF. Mohela tells me it's dept of ed that needs to apply my XXXX missing months to my PSLF counts, FSA says its Mohela . I resubmit everything and it gets marked duplicate. I want my credit for the XXXX missing months and my PSLF forgiven. I've worked is public service since XXXX and it should not be like this. I've contacted moehla ( told something different every time ) contacted FSA ( they say they don't handle PSLF and to contact Mohela, compliant with XXXX ( told they are acting in good faith ), filed with ombudsman XX/XX/XXXX ( haven't heard a word ). I've done my part, submitted everything, paid my public services dues, and tired of begging someone to fix my counts and free me of this burden that has tied me down.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zions Debt Holdings (NM)

I spoke with the agency Monday to settle the debt. They would not accept my payment amount offered. Contacted me 4 days later to threaten to pay the debt or they will take legal action. Law states they can not contact me within 7 days of speaking with me
Consumer complaint received 2023-04-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (LA)

A tow truck driver arrive to my spouses job and did not follow the LA state laws of removing a movable vehicle peacefully. She called me frantic after going to the parking lot in the hospital where she worked and another patient told her the tow driver just left with her car. She received a theft alert on her phone so she had to leave where she was working to rush downstairs to see who was breaking into her car. This is ridiculous. Chase Bank hired these people and should be held liable. They violated several consumer laws and should be placed out of service for good. I have called JP Morgan chase multiple times since the repossession of the vehicle and tried to pay them XXXX the same day to reinstate the loan and allow me to catch up. They told me my account had been charged off and they could only accept the full amount of the vehicle which was XXXX or try to get financed through another financial institution. I called and got another bank to get me approved. I immediately called chase back and told them I just needed a letter on their letterhead or a bill of sale to give to the new bank. Every time I called they stated it would take 48 hours at least. I have called them multiple times every day since XX/XX/2023. Every single representative gives a different answer. In Louisiana, you have to notify a consumer about the right to cure prior to redemption of their assets. Also, repos have to be performed PEACEFULLY and it was not. The police were called and everything. My credit report says written off as a bad debt but Chase says it was charged off. They want me to give them the money after an illegal repossession proceeding according to my state law then pay them XXXX back after they have already written this debt off with the IRS on their business taxes. This has to be illegal. If CFPB cant help solve this then big lenders like chase will continue to run over the very same people who trust them with their money.