davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Checkr, Inc (CA)

I applied to drive for XXXX and was denied based on a report that was run by checkr Inc. It stated My license was suspended. I had checkr do a reinvestigation to show the updated status of my license as valid. I recieved that updated report from checkr on XX/XX/22. I've been reaching out to XXXX who keeps telling me that they have not recieved the updated report from checkr so that my account may become activated. They have escalated this issue to checkr multiple times. I have also reached out to checkr via their website also via email, via phone, via XXXX and have not been able to get a hold to anyone. Here it is another 5 days and I still have not gotten a response and nor has XXXX. This company provides no customer service or help what so ever. Now I am sitting here losing income because checkr is non responsive and had not helped with the problem.
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (MO)

Our home in Missouri was flooded on XX/XX/XXXX of this year. 
We received a {$3000.00} and {$20000.00} advance from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
We endorsed both checks and deposited them at a local Chase branch in XXXX, MO. 
Their fraud department flagged the checks for improper endorsement. 
I screwed up on the {$20000.00} check as it was supposed to be endorsed by my mortgage company. 
Instead of returning the check for improper endorsement they froze my account and insisted that my mortgage company stop by a chase branch and endorse the check ; it doesn't work that way. 
They refuse to return the funds to XXXX XXXX XXXX 
I have gone up the chase ladder as far as I can with no resolution. 
This is taxpayer money that they have confiscated and we could use some help as we need to rebuild our home. 
Can you help or put me in touch with someone who can? 

Thank you. 

XXXX XXXX
Consumer complaint received 2022-08-23
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. (CA)

I have been disputing with Equifax on multiple accounts that they are reporting on my consumer report without my consent, or option to opt out of it. I know that a credit report is supposed to be fair and adequate and with the negative information that they are reporting it is all but fair and adequate. Equifax is in violations of my consumer rights. They have violated 15 usc 1681 I ( 7 ), 15 usc 1692 ( E ) false and misleading information, 1692 a ( 3 ) ( 5 ) ( 6 ) B ( 1 ). Equifax is also in violation of the privacy act of 1974. Most definitely in violation of 18 usc 892-894.
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (FL)

This is a continuation of the previous complaint. Although I have been paying my homeowners insurance to M & T Bank each and every month without having the homeowners insurance in place due to M & T 's neglegence and not informing me that I did not have any insurance since XXXX of 2022. I have requested those funds to be returned to me and they state that they had to pay taxes with it even though they increased my morgage payment for 2022 to cover the increase in taxes in my area. They are refusing to return the money I have been paying each month for 8 months and not having insurance.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

XXXX is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to XXXX XXXX XXXX XXXX, its not fair that XXXX are allowed to report this fraud against my Trust and Estate
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NY)

XXXX is committed fraud against my Trust and Estate Full faith in Credit by reporting false information on my report. I aquire my home at XXXX XXXX XXXX XXXX NY XXXX, on XX/XX/2020 via Promissory Note which is to be considered to be the same as cash in accordance with 1882 Bills Of Exchange Act. The Debt has been paid in full, The Debt of Exchange has been signed, sealed and delivered to Veterans United Homes Loans, its not fair that XXXX are allowed to report this fraud against my Trust and Estate
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TX)

I have two open complaints against Wells Fargo which date back around late XXXX, which have yet to be addressed, for negligently misapplying my escrow tax refund or lack thereof to my outstanding principal mortgage balance, of which they said the would correspond with me by the XXXX of XXXX to inform me of an answer to my missing 2 escrow refund check payments, I strongly feel they are trying to defraud me of my escrow tax refund I entrusted to them to apply to my principal. The two checks in question are one for {$61.00} and the other in the amount of {$1600.00}. I have checked my statement and it does not reflect the amounts credited to my principal only the regular payments I have sent in. Since they lost my two escrow tax refund checks I compel them to reissue the lost checks to me and I will just deposit them this time and make a payment that way. It was a big mistake to give them back a check they issued me only to lose it and not apply it to my mortgage principal, this is gross negligence and appalling customer service. 
They either pocketed the money or they were intent on avoiding application of refund to principal so as to charge me more interest by keeping the balance high.
Consumer complaint received 2022-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

My identity was compromised not long ago. I had to put credit freezes and fraud alerts on my accounts and information. Then I had to change phone numbers. I recently discovered my new phone number was compromised and was trying to update my Equifax account but the account was still tied to the old phone number and the email was not working for some unknown reason. In the past when the password doesnt work and the email is stubborn ( an error that occurred surprisingly often ) I would contact the company verify my identity and then they would send me the email to reset the password. But instead of this after I explain the entire situation and literally give them my entire credit history. Including the exact date I filed for my bankruptcy with the court. I also sent them a photo of myself and a copy of my ID front and back per the link I was sent and still I am told I failed the authorization process and they cant grant me access to my account. Because the information I provided does not match the information they have on my credit report. ( Keep in mind I am telling them my identity is compromised and there is a good chance that an unauthorized person has access to my phone number and address ) They dont ask me for security questions that would weed out a criminal and I provided literally all the identification they needed and more. Photo. Photo ID. Social security number, address, old phone that was linked to the account, credit history including dates, current loans. Address, birthday. Because of the actions that they took my account was kept in danger of being in the hands of criminals. They did nothing to help.
Consumer complaint received 2022-06-08
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. (TX)

In accordance with the Fair Credit Reporting act the account listed below 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 ID : XXXX Account Number ( Last XXXX ) : XXXX Owner : XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX : {$1900.00}
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Good Morning today Monday XXXX XXXX i went to an ATM ( Wellsfargo Bank ) located in XXXX, Florida, when i requested the money to the ATM never came the money the message was Cash Currently unavialable at this ATM ( the amount was for {$1000.00} ) i received an email from the bank wellsfargo showing that same message, the problem is that the Bank remove the funds from my account and now i dont have the {$1000.00} available, i called to the customer service team and they are telling me that they can take up to 10 business days to have the founds into my account, Is impossible that is taking to long to have a solution where the only affect person if me, the found is to make the payment of my Rent and they dont care. It is very frustrating that Wells Fargo is so inoperative and plays in this way with the money of people who do not have larges sums of money, it is clear that they do not care about us at all, they are responsible for their ATMs and can not take 10 days skillful to give a solution ; Now I am going to have to pay a surcharge on my rent XXXX even expose to an eviction process. I AM FRUSTRATING
Consumer complaint received 2022-06-08
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. (NY)

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX  Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, EQUIFX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dividend Finance Inc. (TX)

we purchased a solar system through XXXX XXXX XXXX which on XX/XX/XXXX closed their doors and went bankrupt and we had problems since the day we received the .solar and continually communicated with Dividend Finance concerning the fact that the system was non-producing as well as we never filled out an application for this loan that we were just placed with and also DF never assisted us with the problems, knowing they were occurring and also continuing to give out loans for this solar company. We have told DF that we want this trash taken off of our home and this fraudulent loan dissolved. DF was well aware of this company and their XXXX  product and was well aware of the predatory loan they were giving out. This company is unwilling to assist in this matter, and they know what they need to do as well as to file with the bankruptcy court as a creditor so that they can recoup their money from XXXX. I will recommend to people to NEVER do business with this company.
Consumer complaint received 2022-09-24
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. (LA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the15 USC 1681 Us Dept 0f EdXXXX {$2400.00} XXXX XXXX Us Dept 0f EdXXXX {$2700.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX Total XXXX XXXX$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX ! XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc. (LA)

XX/XX/XXXX have hit my credit report for $ XXXX I have disputed it many times and nothing is getting done about it and its still affecting my credit!! That account was not opened by Me! I need help getting this resolved!!
Consumer complaint received 2022-09-24
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: EMCC Holdings, LLC (PA)

I sent a letter to Equiant Financial Services on XX/XX/2022 and got no response I also sent letters to XXXX on XX/XX/2022 to explain how they verified this account with proof of letters that the account is in another individuals name and not mine. Did not get an answer to how they verified the information. 
Sent letter to Equiant Financial Services on XX/XX/2022 and got no response again. 
Sent letter to XXXX again on XX/XX/2022 and got no response from them as well. 
Neither company has provided any documents to me explaining how this account is on my report. No proof and not even one response from creditor.
Consumer complaint received 2022-09-24
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. (TX)

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 XXXX XXXX
Consumer complaint received 2022-09-24
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. (TX)

Equifax you want to claim this account as verification under the law XXXX law school Verification Definition A declaration Swearing that statement s made in a document are TRUE. { you don't know it they are true } Depending on the jurisdiction, verifications are either made under oath { IT WAS not } or in the presence of a Notary republic or similarly authorized person { judge, court it was not } verification are traditional attached to the end of all Pleadings that are required to be SWORN THIS IS REAL LAW OVER CONSUMER LAW, the violations on that account that you state are accurate you need to look at what you are reporting because it is fraud on your part remove this account show your Notary letter or court order my next time I have to dispute this will be in court for your fraud reporting I see you there
Consumer complaint received 2022-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upgrade, Inc. (CT)

I took out a loan with Upgrade , Inc. to consolidate some of my credit cards and to make a set monthly payment for a certain period of time. I was able to do so without issue, then COVID happened. At one point, Upgrade offered me a Hardship Plan where I would be able to pay {$90.00} instead of the {$290.00} for 4 months. I then spoke with them about an extension of the hardship program and they granted me an additional 3 months. The first payment of the 3 month plan was incorrect and they took {$290.00} instead of {$90.00}. I called them and they checked into it and were very accommodating. The next day the amount was credited back to my account and the {$90.00} was taken. The next month, the same thing happened. I called them AGAIN. They checked into it and advised me that it was there mistake again and that they would credit back the amount of {$290.00} and charge the {$90.00}. This time the amount did not go in right way so I called back 4 days later. I was told it was in the process and I should be seeing it credit back to my account. It was. I noticed on my statement on the 3rd month that I was being charged back payments of {$1100.00} or there abouts. I immediately called them back as they had taken out the {$290.00} again. I was told the Hardship Agreement was forfeited because I was late on my payment to them. I told them that was incorrect. How can I be late when you are taking it out of my account and erroneously I might add. They AGAIN checked into and a manager got on and told me that they would correct both matters. GUESS WHAT?! It was never corrected. So my credit report shows I am late on payments and the {$290.00} was erroneously charged for that 3rd month. I wrote an email to them explaining this. I was told to call a number that was the number I have always been calling. I said I will not. I have called that number 3+ times and was told everything would be taken care of it and it wasn't. I wanted this matter resolved and if someone needs to ask me something then they can call me!! I gave them my number. I was not going to go through another hour long telephone call with them for them to tell me it will be taken care of it and won't be. I REPEATEDLY sent them emails daily until I have reached this point. It's not even so much that they did not honor the Hardship Agreement but that they charged me all three times for the full amount. Twice correcting and once still not credited back. I am in a position to pay that amount anyway. I am very upset with the fact that they are claiming I was not in compliance or late with the payment arrangement. I was never late. I would like someone to help me. I will be contacting the credit card companies as well if you are unable to correct this matter for me.
Consumer complaint received 2022-09-24
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)

In accordance with the Fair Credit Reporting Act XXXX Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, 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 2022-07-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

On XXXX I issued a Letter of DIspute to Equifax, XXXX, and XXXX via the C.F.P.B, outlining issues of incorrect information they were reporting about me. As per the Fair Credit Reporting Act and the F.T.C, Equifax had 15-30 days in order to respond to my Letter of Dispute, failing to do so required the to delete ALL erroneous items which I had disputed to them. Equifax did not respond to my Letter of Dispute untill XXXX, therefore failing to respond in the time frame allotted to them by Fair Credit Reporting Act and the F.T.C. It is without a doubt that Equifax, XXXX, and XXXX are certain of these laws which they must abide by, however this case is a prime example of Equifax 's clear and blatant disregard of the Laws set forth in the Fair Credit Reporting Act and the F.T.C, and proves how they actively work to undermine the Laws and Regulations set forth upon them by their Superior 's. I will attempt to yet again contact Equifax, XXXX, and XXXX via the C.F.P.B in hopes of having this matter resolved the way the Law writes that it should, however if i find that this does not solve the issue which i have i spelled out in our prior correspondence, then i will have no choice but to obtain Legal Counsel and seek damages for this continued injustice. It is my hopes that Equifax will not force me to tie up unnecessary time and resources of our Courts in order to have this wrong righted. Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (CA)

I have been making my regular payments since I first received the loan. Most of the payment goes to interest and only about {$5.00} goes to the principal. And somehow the payoff amount is more than the original loan. The interest is way over the legal limit for California.
Consumer complaint received 2022-09-24
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. (IL)

THIS COMPLAINT SUNMITTEF BY XXXX XXXX PERSONALLY IVE BEEN EXPERIENCING A GLASS CEILING WITH MY CREDIT SCORE FOR YEARS SINCE MY XXXX  XXXX. I HAVE RE-ESTABLISHED NEW CREDIT IN ADDITION TO MANY GOOD ( PAID ) OLDER ACCOUNTS THREW HARD WORK & LONG HOURS. HERE ARE PRIME EXAMPLES WHY : XXXX. XXXX ( XXXX ) BAL IS XXXX WITH A XXXX AVAILABLE CREDIT XXXX. XXXX ( XXXX ) IS OPEN NOT CLOSED. HAS NEVER BEEN CLOSED! IT HAS A XXXX CREDIT LIMIT WITH XXXX XXXX XXXX. XXXX ( XXXX ) HAD XXXX AVAILABLE CREDIT ALSO WITH XXXX BAL. XXXX SHOWING SAME ACCOUNT XXXX. XXXX XXXX & XXXX CLOSED. ACCOUNT IS OPEN. IT TOO WAS NEVER CLOSED ALIKE XXXX! 

IN CONCLUSION : IT APPEARS MY SCORING FACTORS SUCH AS CREDIT USAGE, DEBT TO INCOME RATION & AVAILABLE CREDIT IS BEING DERAILED BY MY ACCOUNTS, BALANCES & PAYMENT HISTORY KEEP ARBITRARY COMING UP CLOSED WHEN I PAY THEM DOWN!