davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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)

XXXX XXXX XXXX - Account # XXXX Balance : {$180.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXXXXXX XXXX XXXX- Account # XXXX Balance : {$140.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX- Account # XXXX Balance : {$1900.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX  Account # XXXX Balance : {$100.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX  XXXX Account # XXXX Balance : {$150.00} In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXXXXXX. Account # XXXX Balance : {$1700.00} In accordance with the Fair Credit Reporting act 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 XXXX. XXXX XXXXXXXX Account # XXXX Balance : {$370.00} In accordance with the Fair Credit Reporting act 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 2022-07-29
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)

Equifax is showing a series of late payments for my XXXX XXXX XXXX Account during COVID-19, 1st off, I was never late during these months, the credit report on XX/XX/2022 and XX/XX/2022, show different data, almost like they are randomly putting days late. 
How can you go right to 60 or 90 days without a 30 day late? 
I have enclosed both reports
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

My mortgage company ( Mr. Cooper ) attached extra money to my payment to cover shortages in my escrow account. Shame on me as I should have explored this more thoroughly. I assumed since everything has increased so did my property taxes and insurance. After the second time I got hit with a shortage I started to investigate and found payments were made to people I have never heard of. 
As soon as I found out about this I contacted my mortgage company ( around XX/XX/XXXX ). 
The mortgage company told me they would look into the issue. When I never heard back I called again. This time I was told that they were trying to contact these people with no luck and that maybe I should do it myself. Of coarse I informed them that that was their job not mine. When I called a third time they were blunt that it would be my problem to contact this people and get THEIR money back! I called again last week to ask where my case was and I was told to call them on break at work to remind them to call these companies. This company bought my mortgage approximately 2 years ago and their customer service is the worst ever. below are the erroneous payments that I have paid from my escrow account. 
XX/XX/XXXX XX/XX/XXXX {$770.00} XX/XX/XXXX XXXX XXXX XXXX CO {$1900.00} I typically pay extra every month to pay down my mortgage but have not since they raised my payment to cover these escrow overages. So this has significantly affected my payoff. Maybe that's what they want. 
Please provide assistance on how to recoup these funds. 

Thank you XXXX.
Consumer complaint received 2022-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received a bill with date listed of XX/XX/2022 from a debt collector : XXXX XXXX XXXX for the " your local yellow pages ''. I have never signed up for that company or for any other advertisements. I am a XXXX and the owner of XXXX XXXX XXXX. 
The balance they state I owe is {$390.00} for something I have never ageed to nor signed for. 

account number XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

I have a mortgage with mr cooper. I have asked both by phone and email for the pmi on the loan to be dropped they have refused. Different. Each time I speak to them on the phone I get different answers from different agent some say my pmi is for the life of the loan. Other say it not XXXX on my research pmi should be dropped once there is enough equity in the home. 
Pls help resolved this for me
Consumer complaint received 2022-04-25
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)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 n accordance with the Fair Credit Reporting act XXXX Account # 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 2022-12-04
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: WELLS FARGO & COMPANY (NY)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report .I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions are not related to any transactions previously made by me the consumer. 

Wells Fargo credit card inquiry dated XX/XX/XXXX Wells Fargo credit card inquiry dated XX/XX/XXXX Please remove these inaccurate inquiries off my report
Consumer complaint received 2022-07-29
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. (TN)

XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL 3 CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR 1 1/2 YEAR AND NOTHING GETS RESOLVED.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

I received an email from XXXX XXXX, an executive office case specialist at XXXX XXXX XXXX XXXX on XX/XX/XXXX following my concerns about two checks I recently received via mail from Wells Fargo in the amount of {$27.00} and {$26.00} on XX/XX/XXXX and XX/XX/XXXX. I filed a complaint with Wells Fargo and assigned XXXX XXXX to my case. My concerns were I was unsure of why I received multiple checks and if the checks were in fact valid and official Wells Fargo checks. XXXX stated in the email that XXXX XXXX XXXX XXXX would be sending me an addition check in the amount of {$50.00} for Customer Appreciation. Few days past and I receive a letter from Wells Fargo Bank N.A and inside is enclosed a {$50.00} check and the " For '' line on the check states that this check is for " Closed Deposit Account ''. Im curious to know if this is in fact the same check that XXXX was referring to or is this something different? I have attempted to reach XXXX and his chain of command but have been giving no concrete answers.
Consumer complaint received 2022-09-23
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)

To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX / XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP (OK)

I been with BOK for about 6yrs, for the last few years i have had health problems and the latest losing my love of my life of 30yrs and our only child a son 24yrs a week a part to the virus. I spent time in the parking lot just to be close to them that was when you couldnt visit hospitals XXXX up until present its been rough after losng my family it triggered a XXXX XXXX i had heat XXXX in XX/XX/XXXX had XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and recently a battle with XXXX  myself. I had my family call BOK let them know about my health and i will be in to take care of it please dont charge my over draft fees. The lady told them she couldnt talk to them but would make notes to the account. But each time i came home i had several charges in fees each {$35.00} well over {$100.00} this last time after coming home from having XXXX  i explain itwas something that couldnt be help, they chastised me like i was a little kid and im almost XXXX old. I been giving up my medication to pay fees but i couldnt do it this time they have fixed it where if i wanted too open a new account i couldnt because they are reporting me as if i did this on purpose but has blacked list me from other banks, Butthe way they talked to me chastised me about my account. I need help out of this and im so stressed over it my XXXX XXXX is high now they are effecting other parts of my life. But i cant pay the checks and over {$100.00} in over drfts im on a fixed income ssi XXXX. They almost seem like loan sharks the way they talk to you borderline threats thru chastising
Consumer complaint received 2022-07-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

Original loan company sold to XXXX XXXX XXXX and the same exact issue is occurring where we are making additional principal payments and they are not being applied. Instead they are being applied as extra payments and changing our due date to XXXX when in fact we have a bi-weekly auto payment set up. We have spoke to customer service and even the escalation department and no one can help us. The reason that we are making additional payments to principal so that we can reduce the years of the loan. Can you help us. We have being going through this for two years and no resolution. I can be reached at XXXX. They have roughly {$12000.00} that need to be applied toward the principal.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

I've had a checking account with Citibank for over 20 years. On XX/XX/2022, I wrote a check from my account to a family member 's LLC. Earlier this month, my brother-in-law wrote a check from that same LLC for made out to me that I deposited at a Citibank branch that later was returned as NSF. Subsequently, I made one outgoing ACH payment with funds that had been available that were also returned. 

I was able to re-deposit the check, which cleared, but during this time, my account was frozen by their fraud department. I tried calling multiple times and would be passed around to various departments and on the 5th day of calling, was told my account was being closed down and they could not elaborate as to why. 

This is my primary bank account that is tied to my mortgage, my direct deposit paycheck, my joint account with my wife, and my 16 month old daughters account. This account is my absolute financial centerpiece and with a 16 month old, a 4 month old, and a mortgage to pay for, Citibank completely disregarded the impact that they are creating. They do not even have the courtesy to call or overnight the funds so I can figure out next steps, instead stating it will arrive in 3-5 business days ( I have my next mortgage payment due before then! ). This is criminal behavior that is likely systemic and not a one off situation.
Consumer complaint received 2022-12-04
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: Conn's, Inc. (TX)

CONNS is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent.

Per the FCRA as a federally protected consumer I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Consumer complaint received 2022-07-04
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. (TN)

In accordance with the Fair Credit Reporting Act XX/XX/XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, and XXXX XXXX account XXXX : XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (KS)

Got my tooth XXXX paid cash the receptionist messed up some how and sent a bill to collections. I called several times and was spoken to like a criminal as if I have done something wrong. I'm not paying something I already paid in 2018 .this needs to go away. I called the dentist. They don't even remember my visit.
Consumer complaint received 2022-07-04
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. (NC)

The complaint is in reference of the account XXXX  Balance reported as of XX/XX/2020 - {$4800.00} : I could not keep that account open during COVD and could not make any payments. I call XXXX to try to work something out, but after not having a job for a few months, per the government, but their only solutions after the first month were for me to pay money that i did not have. I asked them to please not call me anymore or send letters if there was not a solution. ( I am a massage therapist ) I also did not get unemployment approved until 2 weeks before i went back to work and didn't get that til i went to work. 

According to the law, my credit is supposed to be private I did not give this company permission to put this information on my credit and eventually had to have a credit dispute agency send a letter accordingly. This account was removed from my credit reports, but has now re-appeared on my XXXX and Equifax reports. It is not being reported again on my XXXX. 

[ 15 U.S.C. 1681 ] Section 602 A states I have the right to privacy.

It aslo states : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

My information is again not being reported accurately on the 3 consumer reports.

15 U.S. Code 1692c - Communication in connection with debt collection c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except XXXX did not honor this and continually called me and sent letters for over 1.5 years Again, I did not give XXXX permission verbal or written to share my information. 
Last year i hired a credit disputing company. All of my information and the letters of communication XXXX sent is with Dispute My Credit I forwarded it all to them, but they only work on things for 1yr. and I can not afford to pay for another year. 
I can have all of these letters sent to you if needed, I can also pull my XXXX accounts from the last 2 years if needed.
Consumer complaint received 2022-09-23
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. (PA)

Please help my family and myself. I have contacted Equifax over 15 times in regards to verify some items on my report. I learned from your site that they have 30 days to get back to me. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. I emailed the CEO of Exquifax XXXX XXXX and have yet to hear anything back. The items that they have on my report are stoping my family frombeing able to purchase a home, and have cost me an employment opportunity. Please help.
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CT)

USBank : Account # XXXX US Bank Timeline XXXX I sent my Instrument of payment in the amount of {$130000.00} to USBANK CERTIFIED MAIL. XXXX XXXX XXXX XXXX XXXX, MO XXXX. TRACKING # XXXX. 

XXXXCertified Mail was delivered. 

XXXX I received refused Payment Of Instrument via ups from USBANK With notice dated XX/XX/2022. I spoke with supervisor XXXX ID number XXXX in regards to the refused payment and informed her of XXXX and XXXX. 

XXXX I sent a Conditional Agreement to USBANK with the Attention of XXXX XXXX CERTIFIED MAIL. TRACKING # XXXX
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

On my Fico score it has 6 late payments 30+ days and I am not behind on those payments. When I called Equafax they said they can only assist with my XXXX score.
Consumer complaint received 2022-09-23
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. (MD)

Date : XX/XX/2022 Company : Equifax On XX/XX/2022 from the hours of XXXX est to about XXXX I was On the phone with employees of Equifax seeking information as to why my credit score and items on my credit report were different every time they were checked, from accounts showing balances that were paid off 30-60 days prior to applying for loans and or requesting credit reports. Asking to speak to a supervisor ( who denied my request for his name ) I was met with attitude and given short snappy responses as I tried to seek a better understanding as to why my credit report/score with only Equifax is never in line with what the physical copies of my report or what my banking institutions sees as I try to apply for an auto loan. 

I was left on hold for 40 minutes and counting only to be met with the two question survey about my experience with the Equifax employee today. 

I would like to have my credit scores updated as I have worked hard to improve my credit and XXXX