davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
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. (OH)

In 2017, XXXX  reported a 30 day late that was not late. I disputed this through the CRA 's and it came back as resolved. 

Last month, during the Covid crisis I was late on my payment due to work related issues, but it was not 30 days late which it is reporting on all my reports. When I spoke to the company they indicated they are making no concessions related to Covid which is insane considering how impacted this country is.. Now these late payments, the only TWO negative marks on my credit score, are impacting the rest of my finances and causing other companies to lower my limits and change my interest rates. 

I would like XXXX  to remove these late payment reports. If they are unwilling to do so, I would like XXXX  to remove the entire tradeline from my report so I can continue with my potential home purchase. 

I have attached the XXXX  report which shows the XXXX account and the dispute resolution, and two printouts from bank statements showing the payments.
Consumer complaint received 2022-08-04
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and 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 an account without my written instructions
Consumer complaint received 2021-10-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Disputes were submitted to all three credit reporting agencies on multiple occasions this year. XXXX continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally XXXX violated many other Federal laws which entitles me to financial compensation.
Consumer complaint received 2017-07-21
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: LEXISNEXIS (MD)

Several months ago, I suppressed my information with LexisNexis from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both LexisNexis and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. 
I have also disputed negative information being reported on my credit report with XXXX, XXXX, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through LexisNexis. Now I wonder how that could be possible when per LexisNexis all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, XXXX, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by LexisNexis. I information should have always been suppressed/frozen with LexisNexis from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from LexisNexis unfortunately the suppression was compromise and it was being reported. Suppression numbers for LexisNexis XXXX & XXXX,XX/XX/XXXX & XX/XX/XXXX. LexisNexis per XXXX, XXXX and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.
Consumer complaint received 2017-07-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CHECK INTO CASH INC. (CA)

I have been getting phone calls from ( XXXX ) XXXX for the last past month. Every day 4 to 5 times a day. This company said that I owe a payday loan that went into collections. I ask for proof in writing and they avoid the question. I spoke to a woman she want give me her name. She said the Local Police Department has been notified and they will be at my door to arrest me if I do n't pay. In XXXX 2010 I did get a Check into cash loan, but I paid it off. Now they are calling my place of employment harassing them about this loan. I called and ask them to stop calling. This man answered the phone saying that he was the manager. He would n't give me his name. He stated he will continue to call my cell number and my place of employment until I pay {$850.00}.
Consumer complaint received 2022-10-03
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. (NC)

Equifax was informed weeks ago to remove these inquires and still has not done so. Ive been submitted a request by phone and now Im sending the request now to remove inquiries that i have no knowledge of. Final warning!
Consumer complaint received 2017-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX, I received Notice of Cancellation from XXXX XXXX XXXX ( XXXX ) and contacted my agent to find out what 's going on. Agent reported that Chase ( servicer ) had paid wrong XXXX insur co ( believed to be XXXX ). I then learned Chase had forced placed ins with a 3rd ins co ( XXXX ). 
XXXX XXXX, Chase Escrow StatemenXXXX XXXX reported an escrow shortage of {$4500.00}, and listed 3 separate payments for XXXX XXXX for {$1600.00} each. Chase increased my monthly payment to account for the escrow shortage. A copy will be uploaded. 
XXXX, XXXX, despite frequent multiple requests to Chase to confirm the Escrow Account balance had been corrected by refund of excess payments and reduction of monthly payments because any Escrow Shortage was due to Chase 's actions, Chase never provided the requested information nor corrected the snowballing fees and overcharges directly related to Chase 's errors. Then, without prior notice, and without correcting the errors in the account ( overcharges in monthly payment amount, late fees, increased interest from misapplication of payments, etc. ) servicing was transferred to XXXX XXXX XXXX XXXX 
XXXX XXXX, after receiving initial account information from XXXX, XXXX, and seeing that Chase had never corrected their errors and the fallout from those errors, including payment by Seterus to Chase of over {$400.00} in late fees I contested, I started my campaign of regular phone calls to XXXX explaining the Chase escrow account mismanagement, over inflated principal amount, outstanding late fees, and newly revealed escrow shortage. All to no avail. Despite my persistent requests to XXXX to obtain the appropriate Escrow Reconciliation Report from Chase, to this day XXXX never did. This is in addition to the multiple requests to Chase. 
XXXX XXXX, I sent both a detailed Debt Validation Letter and a Letter of Explanation to Seterus by US Mail XXXX, after learning from one of the putative specialists at XXXX that they only respond to written questions, concerns, and requests like mine. A copy each will be uploaded. 
XXXX XXXX, after being paid a visit by an agent for XXXX in violation of my written requests, I mailed a Supplemental Request to XXXX. A copy will be uploaded. 
XXXX XXXX, continued efforts to follow up with XXXX to resolve. Made what I considered the correct monthly payments until locked out of the XXXX web site. In XXXX learned that my file had been sent to attorney for foreclosure. Initiated email and phone contact with XXXX attorneys. XXXX XXXX, participated in a conference call set up by a XXXX attorney including atty, me, and a XXXX XXXX who promised to get to the bottom of Chase escrow account issues in order to assist in the resolution of pending issues between me and XXXX in order to avoid foreclosure. I never heard back from XXXX rep nor atty who set up conference call. A copy of emails will be uploaded. Instead, on XXXX XXXX, XXXX week later, foreclosure civil action was filed against us. A copy of the Complaint will be uploaded.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AFNI INC. (NH)

I reviewed my credit report and saw a report from AFNI stating that there was an XXXX account opened in XXXX of XXXX. There was no XXXX account opened in XXXX. I called AFNI ( XX/XX/XXXX ) and explained this to an agent there and she stated that was the day the collection was placed with their company and that it does not have to be the date it was charged off. I requested the proof to be sent to my address as she continued to talk over me. Re aging a debt is a violation of the FCRA and I want it removed from my credit report
Consumer complaint received 2017-10-15
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Navient Solutions, LLC. (IL)

I 'm currently being charged off for the amount of {$360.00} by the XXXX XXXX XXXX. This represents the tuition for a XXXX course at XXXX XXXX  University I registered for in 2015. This charge was was a result of an error made on my FAFSA application, and that error was resolved during the second week of the fall semester and my tuition was paid in full by FAFSA. There is very little the school seems to be able to do at this point simply because the account has been makes by collections.
Consumer complaint received 2017-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

After reviewing a copy of our credit report my wife and i noticed several items that were incorrect.We sent letters to the credit bureaus in XXXX2017 with a request to review our reports and investigate the items. We have received ZERO response. I had forgotten about sending the letters and am just now circling back to this. Our credit scores are BAD, and there are many items on there that are completely incorrect. I am frustrated that there has not been a response already, and that i am having to spend extra time and energy to spend additional time that i do n't have. My scores are bad because items are not correct and the credit bureaus should have to fix them and to report to me in a timely manner. the law says 30 days. 3 months is way more than 30 days and i find this unacceptable. WE are held to standards and suffer consequences based on the scores they report ... why are THEY allowed to do this. I expect a response in LESS than 30 days and these items MUST BE verified. If they are not ... I will continue to file complaints to the bureau for at the very least- wasting my time and energy. I have attached the items that i sent, including my id.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (CA)

I found late payments on my most recent credit report, which I'd like to get removed as soon as possible .According to my research, the federal law 15 USC 1605 ( a ) finance charge is defined as a " sum of all charges '' payable directly or indirectly by the individual to whom credit is extended, and imposed directly or indirectly by the Creditor as an incident to the extension of credit or lease, there is no such thing like late payments should be in my credit report. It is clearly a violation to the law to report any late payments in my credit report that is fraud. Also according to the law Section 4021 ( ii ) ( I ) states that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (TN)

After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.
Consumer complaint received 2017-07-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

I notified the company Coinbase ( of which I am a customer and account holder ) that their system had charged my bank account for three withdrawals instead of one like I had initiated. I told them they were showing 3 pending withdrawals for the same amount so I believed it was a system error. I notified them through email on XX/XX/XXXX of the system error. They responded saying I needed to change my password and a few other standard questions they also said they were going to disable my account for 5 days while they reviewed it. It has now been 9 days and I have had no access to my money or the ability to transfer my funds out of the account or sell the bitcoin while it depreciates in value daily. the lower the value the less it will cost coinbase to fund the bitcoins that should be in my account as we speak. I ca n't even verify any of my funds. How is this company allowed to do this? I have emailed them 9 times since the first response ( once every day since they disabled my account ) I have received two automatic responses saying someone would respond soon. That is the entire support I have received from this company holding my assets.
Consumer complaint received 2023-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Hello, After reading about the settlement with Wells Fargo, I felt it is worth a try to see if we are eligible for compensation on the foreclosure on our home. 
We purchased a home in XXXX. We put 5 % down and comfortably made the payments. 
Our problem started in XXXX when Wells Fargo applied {$2400.00} of a mortgage payment towards insurance. Thus placing us in default. We have always had insurance and our agent worked diligently to prove it. There was no need for Wells to take this action. 
For three months they routinely " missed '' the faxes that our agent sent. They wouldn't let us make a {$2400.00} payment til this was sorted out. This default put our loan from affordable, {$3000.00} to unaffordable {$4500.00} because of the interest adjustment triggered by the default. This put us in the cycle of trying to come up with a large lump sum to keep our home. We kept thinking that once they realized their mistake, things would be fixed.

At the end, Wells offered us the " chance to keep our home '' for an additional {$10000.00}. lump sum and a commitment to a {$6500.00} payment. At that point we gave up. 
We had borrowed from family to keep our home. We withdrew funds from our XXXX. 
All to no avail Then we realized that our mistake was to not have called an attorney the minute Wells misappropriated the initial {$2400.00}. Our home was foreclosed on in XX/XX/XXXX. It looks like we may be out of the date range for this settlement, but am interested in finding out if there is a path forward. For the record, once we did move out. We found a rental. Our payment? {$3000.00}. We would have gladly stayed in our home. But Wells wasn't interested in working with us at all.
Consumer complaint received 2017-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: KEYCORP (WA)

I have a boat loan with Key Bank. My boat is a documented vessel - this is different than typical registration on a boat. My boat has a vessel name ( XXXX ) and a hailing port ( XXXX XXXX, CA ). I moved to XXXX XXXX last year and wanted to change the hailing port on my vessel. The XXXX XXXX requires me to get approval from Key Bank via XXXX XXXX Form XXXX. I contacted Key Bank and they gave me an address to send the form and required a {$100.00} fee to process the form. They said it would be processed in 5 business days. I sent the form and check to them on XXXX XXXX 2017. I was planning a trip to XXXX in XXXX so I wanted to get all the paperwork completed by then. After waiting 3 weeks, I contacted Key Bank. They said they never got my form or check. I informed them that they had cashed my check which was stapled to the form. They insisted that I send another check and form - this time they gave me a different address with a specific mail stop. I called the next week to see if they go the form. They said no. I continued to call and finally they told me they got it and were processing it. I made an additional 17 phone calls to various people including XXXX XXXX, two of this staff XXXX & XXXX, XXXX, XXXX and finally to XXXX XXXX. XXXX was able to confirm the receipt of my form and told me XXXX XXXX was processing it. I waited another 2 weeks and nothing. It 's now getting close to my departure to XXXX so I contacted the XXXX XXXX to tell them what was going on. They required another {$100.00} fee to un-do my request ( I paid them {$100.00} when I initiated the request with Key Bank in XXXX ). I had to re-purchase lettering for my boat to take it back to the XXXX XXXX XXXX XXXX and submitted an expedited request to the XXXX XXXX for temporary documentation so that I can leave the country. Key Bank XXXX XXXX me a document today approving a name change on my boat. I do not wish to change the name, I never requested that, I requested changing the hailing port. For 2 1/2 months now , Key Bank continues to be uncooperative on the phone and clueless as to what is being requested. They should not provide boat loans if they do not have the ability to process the simple paperwork required to meet XXXX XXXX requirements.
Consumer complaint received 2020-04-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (VA)

This company has been contacted in writing multiple times regarding a balance they claim is owed for {$600.00}. I have disputed this debt for {$600.00} through the credit bureau and in writing multiple times. This dates back to XXXX of 2019. This company has failed to provide me with any proof of the debt. I have given them authorization to speak with my friend who is helping me resolve my credit issues and they refuse to speak with her. She has left messages on XXXX XXXX 's direct line multiple times with no response. As of today, I asked my friend to call them and try to settle the debt to just make it go away although I still feel this is not valid. They refused to speak with her or take payment to resolve the issue. I feel that my rights as a consumer are being completely violated as they are not following the FDCPA or FCRA. No proof has ever been provided to me to show that I owe a valid debt. I am requesting immediate action to be taken against this company. They have had ample time to send proper documentation and they are refusing to even allow me to pay it. This is my 2nd CFPB complaint against Hunter Warfield since this dispute started in 2019. This has prevented me from being able to improve my credit rating and purchase a home for the last 6 months.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Rent Recover, LLC (AR)

ON XX/XX/2018, XXXX ALLOWED THEM TO PLACE DUPLICATED COOLECTION ACCOUNTS ON MY XXXX CREDIT REPORTS. THE LISTING WAS IN THE NAME OF RENT RECOVER, WHEN IN FACT WAS XXXX XXXX. SEE ATTACHED. ALL PARTIES VIOLATORS OF THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT. FOR ILLICIT COLLECTIONS
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022 Chase decided to close my account, I was very confused on the why. They didnt provide me with any explanation when I called them and even though I explained to them that my personal information was stolen and I had to file a federal complaint because not only this account was used for fraud but two more of my accounts which were XXXX XXXXXXXX and Bank XXXX XXXX and they both also decided to close the accounts. I just didnt find it fair that for something that happened to me they closed the accounts and didnt even speak to me about it and when I tried to explain they just ignored me and said that I wont be able to open back an account. I was a chase customer for about 3 years so I hope that this gets sorted out
Consumer complaint received 2016-09-08
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (OR)

Behind on my Sear 's account through Citi Credit Card, that is when the constant calls started, four to six times a day, every day over and over. It is not productive nor is there any good that comes out of constant calling .Calls continue even when you make payments or have made arrangements. 
Last night they called at XXXX, twice at XXXX, XXXX and XXXX, not including the daytime calls. 
I was told if you did not pick up their calls and speak to someone they will continue to call but if I pick up their call then they would not call for three days. I asked why three days, their response was that my financial status could change. I explained to them that there is no way my financial situation will change in three days or anytime soon, I get paid every two weeks not every three days so calling me that often is not productive and it was very irritating and frustrating. 
Phone calls are every day up to six calls a day if not more.