davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (TN)

My name is XXXX XXXX I bank with citi bank and they told me they would close my account due to fraud but there isnt any fraud transactions on my account and they are still accepting deposits from the government in my account but I cant access it at all not even to transfer it out of my account or anything I have. Two months worth of government funds just being held in my savings account and I asked for them to go ahead and close it its going on 3 months my month just been sitting there and I cant touch it I will be filing a lawsuit as well
Consumer complaint received 2021-10-11
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: Klarna AB (WA)

On XX/XX/XXXX, I tried to use Klarna to buy a product from XXXX XXXX XXXX. Klarna advertises themselves as XXXX with only soft inquiries. However after I tried to make the purchase I got a hard inquiry on my credit report. At no point in time during the process they mentioned anything about a " hard '' inquiry, they used the term credit verification which is very misleading noting the very " clear '' marketing and advertising that they only pull soft inquiries. I tried to dispute with the company but they said it was written in the terms and conditions, and when I asked for a copy where it says hard inquiry they failed to provide one. 

Here 's a copy of their website. 
https : //www.klarna.com/us/customer-service/klarna-perform-credit-check/ During the check our process they had a small note that says " we will do a credit verification '' which is again very misleading as they don't intentionally use the word soft or hard when they are clear that they do soft verification.
Consumer complaint received 2021-10-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NJ)

I have tried to make wire transfers between my own accounts, a US-based Chase account ( the source of funds ) to my XXXX XXXX account in XXXX. I need to wire funds across as I have recently moved to XXXX from the US, and I need to pay for accommodation. 

I have tried multiple times to wire the funds and Chase keep blocking the transfer. One successful transfer was made of {$100.00} USD to confirm all details were correct. Subsequent transactions keep being blocked. This is also happening to my spouse 's account ( exact same scenario ).
Consumer complaint received 2022-10-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC (CO)

I have been with Westlake Financial Services since XXXX, last month due to fraud on credit cards, and payment arrangements payments disappeared from the system, due to system fraud put me behind, make two payments one {$140.00} XX/XX/XXXX, and {$75.00} XX/XX/XXXX, owed {$93.00} left for XXXX, XXXX says past XXXX told the lease company will catch up in XXXX, for XXXX, I explained medical issues XXXX very rude representatives, told me will repossess a vehicle if you owe {$20.00} People have rights or do they?
Consumer complaint received 2021-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (IL)

Hello again .... 

In response to my last complaint via CFPB # XXXX You stated that you are reporting accurate information to the consumer reporting agencies after I told you that you were not. Dealing with my JPMCB account ending in XXXX. You all are reporting MULTIPLE late payments on my report and this is interfering with my Real life situation in getting a new house. Reporting late payments is a violation to my consumer rights law. 

You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt t pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. 
As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we were already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Please update XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to paid as agreed due to these terms.
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. (FL)

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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TN)

I have a property foreclosure sale date set for XX/XX/2020, I have requested mortgage assistance with my mortgage company several times, they have given me the run a round saying they didn't receive my documents and refusing to assist me with my mortgage. 
Received foreclosure notice from Foreclosure Attorney and Select Port Folio a sale date has been set for my home to foreclose even though the president of the United States has imposed the Care Act because of Covid-19 stopping property foreclosures sales nationwide. I have recently submitted another request for mortgage assistance including my financials to Select Port Folio.
Consumer complaint received 2021-12-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: DISCOVER BANK (NY)

I have contacted this organization multiple times letting them know I'm XXXX and can not call them and speak on the phone. When I tried to let a hired organization speak on my behalf, they wouldn't allow it without notary and a few other hoops, which I understood. But I've let them know i'm still unemployed due to XXXX that I'm working through, and they have not allowed me to put off making payments, instead dinging my credit score month after month.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.
Consumer complaint received 2022-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (DE)

I was Incorrectly billed during the Dispute process ( XX/XX/XXXX ) on my Lowes Credit Card.

The Error was to be corrected by Refunding me the Over Charged Interest and Disputed Purchase Amount ; according to the XX/XX/XXXX letter from Synchrony Bank. 
I have not received any Refund.
Consumer complaint received 2022-08-12
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. (TX)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-10-15
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. (CA)

XXXX # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
DATE OF LAST ACTIVE, DATE OPENED, ACCOUNT RATING, PAYMENT STATUS, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2022-10-15
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. (CA)

XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, BALANCE OWED, DISPUTE STATUS, CREDIT LIMIT, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

In XX/XX/2019 made appt at local hospital for minor treatment ( infected thumbnail ). Was quoted {$800.00} cash, but told physician was in-network and covered by insurance, and instead told by hospital receptionist to pay {$200.00} and file insurance claim. Followed instructions but as I walked past her desk physician suddenly became out-of-network, and {$800.00} estimate instantly grew to a final bill of {$3000.00}. 
Paid {$200.00} and insurance paid over {$1800.00}. Total of {$2000.00} paid for {$800.00} service. 

Physician billed another {$780.00}, and has never responded with any documentation or explanation in 2+ years of attempted contact. 
Refuses to provide any information to this day. 

Charge is unauthorized, physician office and subsequent collection agency have not responded to any inquiries.
Consumer complaint received 2022-04-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NH)

I fell into a hardship during covid and was out of work with no money then unemployment for a little bit and now I am working since XX/XX/2021 and I just got a better job. I have applied twice for a loan modification and was told I was denied because I had a loan modification right before the pandemic but wasnt able to keep up with it when I fell into hardship. I made {$2500.00} a month after taxes and only have about {$500.00} in bills in each month. I can definitely afford to pay. There is no reason they shouldnt give me a loan modification again. I dont want to lose my house. Its me and my son here and its our home. I can afford to so I dont know why they are rejecting me and Im scared Im going to be XXXX  soon.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (MS)

Accordance with the Fair Credit Reporting at XXXX  Account listed below has violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX 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 2022-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (CO)

My husband deposited a check that is in both of our names on XX/XX/XXXX at the bank of the west XXXX XXXX XXXX XXXX Colorado XXXX for {$1500.00} and this bank lost our check and they are just giving us the run around of not knowing when this issue will be resolved. First they told us oh it is probably still in the ATM will now the story is they cant find it. I want the money and I want it now with out the run around. This is their fault they need to fix this. My husband has proof of depositing the check.
Consumer complaint received 2022-08-12
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. (NC)

15 us code 1681 Congressional findings and statement of purpose under ( A ) Accuracy and fairness of credit reporting. Down below I have photos of inaccurate age of account. Also accounts documented with 2 different balances. This account has to be removed all information is not accurate and the same.
Consumer complaint received 2021-10-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (IL)

They send me emails every other week or month about the debt owed. Numerous phone calls, theyve said you can be sued, impact credit if you dont pay now, you cant make a payment plan it has to be paid in full
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (NY)

We refinanced our home over 18 months ago XXXX never recorded our mortgage satisfaction, now we are in the process of selling and our buyers title company has an issue with the mortgage satisfaction not being recorded even though we have full loan payoff paperwork and are 100 % current.
Consumer complaint received 2021-10-11
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. (IL)

I have contacted the credit bureaus and XXXX XXXX XXXX, XXXX  to remove these 2 accounts. The 1st one was opened on XXXX XXXX, XXXX ( 7 yrs, 8 mos ) which make it obsolate under the 7 years statute of limitation of the FCRA. The second one was opened on XXXX XXXX, XXXX ( 7 yrs, 11 mos ) which also make it obsolate under the 7 years statute of limitation the FCRA. The accounts are also fraudulents.
Consumer complaint received 2021-10-11
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: WELLS FARGO & COMPANY (WI)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2022-10-15
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)

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureuas once more, to remove the remaining accounts completely from my Credit file. This CFPB complaint will be my 3rd attempt to inform the Credit Reporting Agencies that I was a victim of identity theft and I am submitting this Complaint to dispute certain accounts in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inaccurate name and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the identity theft. Here is the list of accounts that should aloe be removed completely from my Credit report : XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00}. I am grateful for the Credit Bureaus actions to remove some of the disputed accounts from my Credit File. However, I am in need of their help to remove the remaining accounts from my Credit report once and for all. I am submitting this CFPB complaint pursuant of the Fair Credit Reporting Act section 605b.
Consumer complaint received 2022-08-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

Experian Basic Dispute Letter sent XX/XX/22 & XX/XX/22 Section 609 of the Fair Credit Reporting Act Letter sent XX/XX/22 & XX/XX/22 Accounts still remaining that have not been fully validated : XXXX XXXX  XXXX XXXX {$3500.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX : {$460.00}
Consumer complaint received 2022-04-16
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. (IL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-12-17
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)

The accounts that are reporting on my credit report are inaccurate accounts that do no belong to me. I've complained before but nothing has changed, these accounts were opened without my knowledge i've asked for proof or any verification these accounts belong to me and i havent received anything, yet these negative accounts still remain and effect my credit reprt XXXX
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX I received two emails from Wells Fargo stating I had a $ XXXX balance in two accounts ( savings and checking ). A call was made and it was determined the accounts had been fraudulently opened just the day before ( XX/XX/XXXX ). A case was created. 

Coincidentally on XX/XX/XXXX a PIN number was created with the XXXX XXXX XXXX for unemployment benefits. 
( Note : in XXXX I did have benefits automatically submitted to an account at Wells Fargo ). 

Coincidentally in XX/XX/XXXX I was working feverishly with Wells Fargo to get an existing Roth IRA converted, which required a lot of paperwork that they should have already had. 

Wells Fargo never reached out to me after the initial call on XX/XX/XXXX. I made many phone calls and visited my local branch. ( The phone calls offered no relief. The visit is when I learned the fraud was committed on online. ) During a call on XX/XX/XXXX the Wells Fargo Identify Theft Operations member told me my social security number was used on the online application. He would not supply me with a copy of the application. Also during this call those two accounts were erased from my view online. On or about XX/XX/XXXX, I get a letter dated XXXX ( coincident? ) that the identify theft claim is complete and I am not liable... period. That useless letter took 6 weeks and an abundance of stress. 

I have submitted claims to many organizations including the XXXX, but have received no feedback. I am not out of any funds thank goodness, but the lack of interest at Wells Fargo is not acceptable. Personally I don't think the above is really a coincidence. All 3 credit bureaus have been contacted and I have not seen any other suspicious activity.