davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-24
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. (NY)

I find it disheartening that you keep claiming these 2 accounts to be verified and IT IS SO ABUNDANTLY CLEAR that the information is inconsistent. Now rather its you or the other credit bureaus that is reporting the incorrect information is none of my concern. The point is ONE OF YOU is WRONG and until you can prove to ME that you are the bureau that's correct, then ALL of you is WRONG. Please delete these accounts.It is so clear it wasn '' t properly verified. All credit information reported to the credit bureaus must match in its entirety amongst all credit bureaus and if you look at mt attachments as proof you can see that is not accurate and consistent. The accounts in question are XXXX XXXX  XXXX and XXXX XXXX  XXXX/XXXX XXXX XXXX. Here is the incoonsistencies with XXXX XXXX. The DATE OPENED is inconsistent amongst you and the other 2 bureaus, LAST REPORTED is inconsistent amongst you and the other 2 bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus and the DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. Now for XXXX XXXX  XXXX/XXXX  XXXX  inconsistencies. LAST REPORTED is inconsistent amongst you and the other bureaus, DATE LAST ACTIVE is inconsistent amongst you and the other bureaus an DATE OF LAST PAYMENT is inconsistent amongst you and the other bureaus. AGAIN I have attached documents that clearly show that you have not properly verified anything. Please review
Consumer complaint received 2019-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2018. 
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-07-09
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CA)

CitI bank collecting for home depot. payment is due XXXX of each month. Payment is made XXXX of each month with XXXX XXXX online banking. Somehow a processing glitch occurs and account is charged a late fee of {$31.00} although payment is debited before the XXXX of the month. I have not charged anything since XX/XX/2021. Yet each month a bill is received for a late charge. Current statement shows a credit of {$28.00}. I have successfully had 2 late payments taken off and have changed the due date. Yet current statement still shows 2 late charged of {$63.00}. Spoke with a supervisor at Cit I bank last nite and he is trying to say I have a {$25.00} balance from XXXX yet it's not reflected on most current statement only late charges. I'm a senior on a fixed income who always pays on time. I'm very very frustrated with this mess. I spoke with XXXX XXXX on line customer service today XX/XX/XXXX seeking assistance but the only thing they can do is mail all monthly statements. Please help me this is affecting my credit score and my XXXX XXXX. I don't know what else to do. How can they charge a late fee on top of a late fee without a purchase balance?
Consumer complaint received 2022-05-05
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. (NV)

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 2022-07-09
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 2022-07-09
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2022-07-09
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. (TX)

In accordance with the Fair Credit Reporting Act the following addresses and phone numbers have violated my rights. 

1. XXXX XXXX XXXX XXXX XXXX, Tx XXXX 2. XXXX XXXX XXXX XXXX, Tx XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Phone numbers : 1. ( XXXX ) XXXX 2. ( XXXX ) XXXX 3. ( XXXX ) XXXX 4. ( XXXX ) XXXX 5. ( XXXX ) XXXX 6. ( XXXX ) XXXX 15 U.S.C 1681 Section 604 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 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NV)

I have severe mental illness. My spouse is helping me. The form for authorization is attached. It's harming my health to have such issues with these servicers. The stress is causing a list of symptoms. I need help. They arent listening to my spouse either. Issue # XXXX. Got a notice from XXXX that my application for XXXX discharge is being delayed by Nelnet because they spelled my name incorrectly. They wont communicate directly with Nelnet, they said I have to. We tried, and Nelnet refused to investigate the issue or it appears even to read our concerns and sent an auto generated message signed as if a human read and responded when they did not. We tried to remedy this issue three different ways before coming back here to utilize the CFPB complaint portal, yet again, for unethical customer service practices of the student loan servicers. Issue # XXXX. XXXX is trying to charge me for my loans and saying I have payments due even though they have been notified of the XXXX discharge process which is in direct violation of federal legislation. Note : The customer service reps that have responded to these complaints in the past are not allowed to handle my file any longer, they have a conflict of interest because they are a part of the problem and I have direct previous complaints against them on an individual basis. See screenshot for evidence of XXXX charging fees illegally. I have years of history of discrimination by the student loan servicers and US Dept Ed as a XXXX female, and this is my final attempt at resolution to preserve my health conditions from worsening before I officially secure a Federal Civil Rights Attorney. I am serious. This treatment needs to stop. I more than qualify for XXXX discharge and I will receive it, in a timely fashion, and the derogatory information about me and stone-walling will stop or I will file and win in federal court to force it to stop. My XXXX XXXX has reached out to Nelnet multiple times, the XXXX branch of Nelnet seeking help, and literally never even received a response. It is a disgrace.
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK (FL)

Im a XXXX  from XXXX and I arrived here in the United States on XX/XX/2022. I tried looking for a credit card that doesnt need credit scores in order for me to apply since I havent established yet because Im new here in US XXXX My friends recommended Discover credit card and I tried that one. The application was easy, they just ask for gross annual income, monthly rent, and personal information, then youre approved already. The arrival of the credit card was prompt, upon acquiring it, I immediately activated it to start building credit score. After a week, I received a call and an email that I need to provide them a notarized form and a 3 month bank statement, which obviously I dont have since Im new here in the US , so I cant comply with that. I told them that I arrived XXXX of XXXX this year, so I thought I will be given consideration, but unfortunately they sticked to their deadline, leaving me no choice but to close the account. But before closing, I paid the pending payment. I asked them if this will affect my credit score, they dont know. They said I should just call the credit bureau, but I dont have any idea with that. As a newcomer in a foreign land, Im quite nervous since it might affect my credit score and unable to apply for other companies or banks because of that scenario. My friends also face this unfortunate case. I hope this will be resolved soon and give peace of mind to us new XXXX  here in the United States. Thank you.
Consumer complaint received 2022-07-09
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 (TX)

I sent letters to the following agencies requesting information on XX/XX/2022 : XXXX. MOHELA DEPT of ED Student Loans 2. XXXX 3. XXXX 4. XXXX For all the agencies I requested the following : 1. provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury 2., produces all relative commercial instruments and/or notices, declarations, publications, with clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations liabilities, costs, fees in advance or subsequent to the alleged incurrences of the alleged debt, and where there has been full disclosure of all relevant terms and conditions within twenty-one ( 21 ) calendar days of the receipt of the Notice It has been close to 2 months and MOHELA and XXXX has not responded yet. XXXX and XXXX responded but did not produce the information requested. 

I will upload all the letters to all the agencies for more details
Consumer complaint received 2022-11-03
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)

I have been a victim of Identity theft and I notified Equifax and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail. 

Respectfully, XXXX XXXX
Consumer complaint received 2022-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

I have a credit account with PayPal Credit. I have made 1 purchase in XX/XX/XXXX in the amount of {$110.00} while I was out of the country. By the time that I came back to the USA, the XXXX bill was in my mailbox and I paid {$110.00}. After making the payment, I left the country again and could not come back until the end of XX/XX/XXXX due to having XXXX myself then my XXXX XXXX getting XXXX while abroad and my mother getting a XXXX while abroad. When I came back home around XX/XX/XXXX, I saw a bunch of voice mails on my USA phone and mails from Paypal as well as from Synchrony Bank saying that I owe them a balance of {$280.00} as of XX/XX/XXXX. 

Upon calling Paypal, I learned that when I made a payment in XX/XX/XXXX for {$110.00}, it was past due and they had already issued {$29.00} late fee, which I did not know was issued because I made the payment based on XXXX statement. Since then, they have added $ XXXX monthly late fees and additional interest charges each month. So, the initial {$29.00} late fee that was not paid with the payment of {$110.00} snowballed into {$280.00} as of XX/XX/XXXX. 

I should not be paying late fees over late fees. If there was any purchase that I made that I did not pay, I can understand how the fees get added until I make full payment. However, I did not see the statements or calls or voicemails while I was out of the country and a credit company keep adding their fees over their own fees is not right. 

I have called PaypalCredit and asked the fees to be waived considering that total balance on my account is accrued fees and not a purchase and said that I can pay the initial late payment fee since my {$110.00} payment was not received on time. However, PaypalCredit said that they can only waive {$40.00}.
Consumer complaint received 2021-08-04
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)

I have previously disputed with XXXX, XXXX  and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. Please reach out to them.
Consumer complaint received 2022-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP (WA)

I have had the XXXX XXXX XXXX since XXXX. Id kept the balance very low. They sent us promotional checks with 0 % APR for 12-18 months. I used one of these checks for a home improvement project. In the next statement I saw a fee for {$290.00} as balance transfer fee. When I called customer service and pointed out thered been no balance transfer they basically stone walled me an insisted that I was not being charged interest. This is clearly misleading promotion. Is should point out that XXXX XXXX sold their credit card business to Elan Financial services.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica (IL)

I called to this XXXX XXXX XXXX and was on hold for two hours two and a half actually got eith some nasty XXXX lady on the phone that refused to verify my account. They did not allow me online access to my account or to order a replacement debit card. The lady after knowing I was on hold for three hours close to it she just transferred me right back to the same line i was just transferred to. Nasty horrible people if this isn't resolved in 7 business days I'm filing a lawsuit period.
Consumer complaint received 2022-11-03
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. (CA)

Good day to all at the CFPB. Thank you for your service. It has come to my attention that I am being discriminated against and treat unfairly by the deceptive business practices of Equifax. On XX/XX/2022 I faxed Equifax my handwritten letter along with a photo copy of my drivers license to verify my identity. I wrote on the letter that I am a victim of Identity theft as a result of the Equifax data breach. I explained the economic hardship this data breach has put my estate in to the Equifax representative. I am being denied basic needs like housing for my personal, family, and household benefit. The representative then told me that I needed to send them a copy of my social security card in order for Equifax to honor my letter. I then explained to the representative that I dont feel comfortable sending sensitive information to Equifax because they are responsible for my personal information being compromised. 
The representative told me that he could not do anything without my Social Security Card. I then asked the representative to see if he could find on file a contract signed by me authorizing Equifax to report my personal information and or a court order. The representative said he could not find either. This is discrimination and a violation of my right to privacy.
Consumer complaint received 2022-07-08
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc. (WA)

This is the third company that has attempted to collect this debt. Each time, we have provided detail payments we have made to the original XXXX XXXX provider along with our request for an account statement revealing where each of our payments were applied. Our last contact was XX/XX/XXXX via email. After sending the message with our payment history and dates of previous contact, the calls stopped. 

Now, the third collection agency has been contacting us now. I explained the same scenario. They sent us a form to use to contest the amount. The due date is XX/XX/XXXX. Despite having sent us this form, they continue to call about every other day. They refuse to give me ( the spouse ) information, but when I call them back they give me all information so they are inconsistent in their privacy policy.
Consumer complaint received 2022-07-08
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: SYNCHRONY FINANCIAL (CO)

I received an e-mail saying a new negative item was now impacting my credit score. I logged in and checked and it was a balance from a collection agency for an amount of {$680.00}. I asked for the item to be disputed ( with XXXX ) and they did so, but in a short time confirmed it was my information. I tried to file a police report but the police still have not returned my calls. XXXX  doesnt seem concerned that Im telling them that the person who used my info to get approved for this card was not me. I told the collection agency that this isnt me. They agreed that it looked suspicious that it was not my address on the account. I still have not heard back from XXXX XXXX XXXX. My previous employer, XXXX XXXX XXXX lost my personal information due to a data breach. During the year of 2021 I had the credit reporting agencies lock my social security number with a fraud alert.
Consumer complaint received 2022-07-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.
Consumer complaint received 2022-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (GA)

On XX/XX/2022, I wire transferred XXXX to my CitiBank checking account. On XXXX XXXX, my account was flagged for suspicious activity and a freeze was put on my account. I have called the past 3 days, and they continually say they can not help me Because a special investigator is currently looking at my account. I made all transactions, I confirmed and even called Citibank before to tell them I was making these transactions, yet they still froze my account, and I can not access any funds with it at all.
Consumer complaint received 2022-11-03
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. (MI)

Hard Inquiries I did not authorized or have knowledge of, credit agencies failed to investigate and remove unauthorized items XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX, XXXX and Equifax ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX  XXXX - XX/XX/XXXX ( reporting to XXXX and Equifax ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX reporting to XXXX and Equifax ) XXXX XXXX XXXX- XX/XX/XXXX ( reporting to XXXX and Equifax XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX XXXX XXXX  - XX/XX/XXXX ( reporting to XXXX ) XXXX. XXXX - XX/XX/XXXX ( reporting to XXXX )
Consumer complaint received 2022-07-08
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: EQUIFAX, INC. (SC)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX In XXXX I had 4 hard inquiries on my credit report that I did not authorize. I also went to a car dealership and applied for a car and was told my credit would be ran once instead my credit report was improperly use. They ran it multiple times, and I did not authorize it.
Consumer complaint received 2022-09-30
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. (GA)

I sent letters to the Credit Bureau to remove the unauthorized inquirY and personal information that are found on my report. But still those inaccurate items are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2020