davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-09
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. (MA)

Student loan accounts for a XXXXyears old? Didn't i told you i never been to college in USA?

Im really dismayed, shocked, emotionally and financially stressed because Ive disputed these accounts above and below with all the 3 major credit bureaus, cfpb and ftc compliance team, but it continues to report on my credit profile with incomplete, inaccurate, and unverifiable information and with multiple inaccuracies. There is no way that this account can truthfully be investigated due to those violations of reporting, plus Ive submitted FTC affidavit proving that I have never had any prior relationship with none of those companies. As you can see on the attachment, they have wrong Date-of-Birth, wrong Driver License ; wrong email, etc. Ive asked them directly to legally validate the debts, with all the required documents, and theyve failed to do so. ITS NOT IN COMPLIANT WITH THE CONSUMER LAWS AND ITS NOT MINE!
Consumer complaint received 2021-02-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

Due to COVID related issues my loan was approved for forbearance for three months. After the three month period ( XX/XX/2020 - XX/XX/2020 ) I resumed making my mortgage payments. Ameris Bank ( mortgage lender ) ensured me that my forbearance was approved and I would receive the agreement via mail within 30-45 days. I have not received the forbearance agreement with the correct dates, nor have I received options for payment plan. Additionally, I am refinancing through a different lender, and my payment information is being reported incorrectly. It is being reported that my payments are still past due despite the approved forbearance and the skipped payments are being made three months after. I have called Ameris numerous times without resolution to the issue.
Consumer complaint received 2018-11-15
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. (AZ)

I disputed an account on my credit report from XXXX XXXX XXXX XXXX and one or two of the credit reporting companies reported as closed and dispute under investigation on the other ones but I need it completely removed from my credit report because it is stopping me from getting into an apartment and also needs to be closed with the current disputing companies can you please correct this and remove it and close it and removed as well on any other credit reporting companies please and thank you the balance was {$3600.00} and it is for XXXX XXXX XXXX. Reports are from XXXX XXXX XXXX.
Consumer complaint received 2020-12-12
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. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2018-02-20
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. (WA)

XXXX decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the XXXX Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
Consumer complaint received 2021-11-30
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. (TX)

Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my first payment month. I was assured the payment was received and I owed nothing until my second payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off XXXX while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OPORTUN FINANCIAL CORPORATION (WI)

My account is up too date, all payments have been made, and I have bank records too indicate as such. 

Missed payments on my credit report is unacceptable and will not be tolerated.
Consumer complaint received 2021-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Vinci Law Office, LLC (CO)

Vinci Law Office ( XXXX, Colorado ) had a debt placed with them from a bank which was under the impression that I owed them money. The debt was disputed immediately on my end, and the collection practices continued. The debt is now past statute but they are attempting to obtain a judgement with a court date set for XX/XX/XXXX. 

The amount of the debt they are claiming I owe is {$2800.00} from a date of service XX/XX/XXXX ( XXXX years old ). 

XX/XX/XXXX - A Cease Communication Order was faxed to Vinci Law Office from myself ( with confirmation of receiving ) XXXX The process server hired ( XXXX XXXX of, or formally of Agency XXXX XXXX XXXX XXXX , CO ) was sent out to serve my papers and attempted to do so at incorrect addresses as well as a former place of employment. 

XX/XX/XXXX - Called Vinci and spoke with XXXX who said did see cease communication in place, and addressed the improper behavior from their process server ( XXXX XXXX ) towards me on the phone, stating he would pass along my complaint. 

XX/XX/XXXX - XXXX XXXX ( process server ) attempted to serve me at the SAME incorrect address as attempted on XX/XX/XXXX ( considered harassment ). 

XX/XX/XXXX - XXXX XXXX appeared on my property to serve me papers from a debt which is past statute of limitations. As I attempted to get a plate number from the vehicle he was driving in order to verify, or complain if needed, XXXX began calling me profane names ( including " XXXX XXXX '' ) His direct harassment towards me was recorded on my cell phone. When I called Vinci, I spoke to a gentleman named XXXX who stated he showed my case was closed, and was unable to help because of that. He suggested I email their legal department. I did email the legal department to get clarity on XX/XX/XXXX, with no reply. I sent another follow up email today XX/XX/XXXX. 

I would like to file a complaint for both harassment from the process server hired to serve my papers, as well as against the agency for attempting to collect a debt which is well past statute of limitations in our state.
Consumer complaint received 2021-02-09
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. (AZ)

Credit report is showing 3 30 day late payments on my XXXX  credit card for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Tried to mail the creditor a letter to get it fixed in XX/XX/XXXX unfortunately lost their response letter but no change on my report. I have done multiple disputes with the creditors on their websites and even worked with a credit repair company. No changes on all responses. Stating disputes were verified. Payments were posted to that account those months. Account is on and was on autopay. I attached verified prove of dates and amounts of the payments on my account
Consumer complaint received 2021-02-09
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. (PA)

EQUIFAX is continuously reporting false information. 
I have 3 accounts in collections that are PIAD and CLOSED XXXX  and XXXX  have removed these accounts XX/XX/2020 I have summitted 6 DISPUTES about these accounts and EQUIFAX continues to report incorrectly. 
I have contacted the collections agencies and they said they are reporting the accounts as closed and paid and do not understand why EQUIFAX is not reporting correctly. 

I have called and spoken to 4 different agents at EQUIFAX all whom tell me to dispute again. 
My score is being severely affected and they are purposely reporting incorrectly.
Consumer complaint received 2021-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (WI)

I have a checkings account with Wells Fargo Bank, and I keep receiving emails from them charging me overdraft fees for debit transactions that were paid. I received an email from Wells Fargo on XX/XX/XXXX stating two transactions that posted XXXX XXXX XXXX XXXX XXXX for {$63.00} and XXXX XXXX for {$13.00} overdrew my account on XX/XX/XXXX and I was being charged a {$35.00} overdraft fee. My XXXX XXXX XXXX payment is setup to be automatically withdrawn every month, and I had over {$200.00} in my checking account to cover the cost of these transactions. I called and spoke with XXXX, Wells Fargo Representative on XX/XX/XXXX. XXXX removed two overdraft fees {$70.00} total, and I asked to have Overdraft Protection removed from my account. I received another email from Wells Fargo on XX/XX/XXXX stating a transaction that posted XXXX XXXX for {$62.00} overdrew my account on XX/XX/XXXX and I'm being charged a {$35.00} overdraft fee. My XXXX  payment is setup for automatic withdrawals every month, and I did have funds in my account to cover this transaction. I called and spoke XXXX on XX/XX/XXXX in which, I explained that that all three transactions were covered and that I should not have been charged an overdraft fee. XXXX stated that I had a balance of {$6.00} when the XXXX XXXX  transaction was made, but that's not true at all ... I had a balance of {$86.00} which left me with a balance of {$24.00} after the XXXX XXXX transaction of {$62.00}. I stated to XXXX that I wanted to file a complaint because Wells Fargo is trying to scheme myself out of money, and they tried to scheme me in the past the very same way. Also, I stated to XXXX that I was going to submit a complaint with CFPB. I was placed on hold and never transferred to someone to file a complaint, and the call abruptly ended. Wells Fargo Bank previously had lawsuits filed against them for breaking laws, and now I'm extremely concerned because I have Direct Deposit setup with them.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (MA)

I signed up for XXXX XXXX credit monitoring on XX/XX/XXXX. On XX/XX/XXXX, I cancelled my account and requested by email deletion of all stored personal and financial data. 

XXXX XXXX representatives are refusing to honor my request, stating XXXX XXXX has the right to retain possession of my personal financial data for two years. XXXX XXXX representatives are refusing to disclose the specific policy or regulatory entity that they claim gives them this power. 

I find it deeply concerning that XXXX XXXX XXXX emails to me contain no representative name, no links to the policy or entity that XXXX XXXX is alleging gives the company the power to keep, store, and otherwise use my personal financial data for two years following my initial request for account deletion.
Consumer complaint received 2022-04-24
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. (VA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 report agency can not furnish a account without my written instructions.

15 U.S.C 1681c : ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of informationAny other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2021-02-09
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (MI)

I purchased a XXXX XXXX and financed it through Wells Fargo Auto on XX/XX/XXXX. I started the process of trading the XXXX into XXXX XXXX of XXXX XXXX in XXXX of XXXX. I traded in the XXXX and took possession of the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX of XXXX XXXX sent my pay off information in to Wells Fargo Auto. 

I started looking into securing funding to purchase a home and noticed two delinquent marks on my credit from Wells Fargo Auto. I called Wells Fargo and was given the email address XXXX. I emailed them the required documents ( copy of title of new vehicle, purchase agreement showing trade in of old vehicle ) on XX/XX/XXXX. I received an email back on XX/XX/XXXX starting that email address was incorrect ( auto-generated email ). I called to confirm I had the correct email address, sent the email again, only to have it bounced back again. I called again, and got a fax number to send my complaint to instead. I sent that fax to Wells Fargo XX/XX/XXXX and had heard nothing back until XX/XX/XXXX when I called them. The first person apologized, said it was the fault of Wells Fargo, and offered to escalate my complaint. I took that option and was told it would be another 10 days after they did their own private investigate. She did not acknowledge that they would use any documentation I submitted, citing they were two separate departments and do not work together. I do not have confidence that this will be handled appropriately as it has not happened to this point.
Consumer complaint received 2021-02-09
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. (GA)

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. There were several accounts that were excluded on the bankruptcy, but were filed to be dismissed. 

Today, I logged into XXXX  to verify the information that was correct and incorrect. 

I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Consumer complaint received 2021-02-09
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. (VA)

I find it humorous that Equifax wants to be a XXXX in their reply stating Im asking for multiple things and I dont know what Im talking about when they use a computer that didnt comprehend my request. I requested you verify who you spoke with to verify inaccuracies and violations that you continue to report as accurate. 

I first disputed XXXX XXXX XXXXXXXX XX/XX/XXXX and I am STILL disputing the account for the following reasons ; 1. the credit limit is missing therefore incomplete reporting is in violation of fcra 2. there are 3 different dates last active reporting therefore in accurate reporting and in violation of fcra 3. the date of last payment is different : equifax shows XX/XX/XXXX XXXX shows XX/XX/XXXX. again inaccurate and must be deleted 4 Reporting different payment history you sent me a letter stating your investigation was complete and the information was accurate and all information was verified as accurate. THAT WAS A LIE I disputed XXXX XXXX for reporting different dates last active - equifax reports XX/XX/XXXX XXXX reports XX/XX/XXXX. this is inaccurate and a violation. they are reporting a past due balance -again this is a collection account. THERE SHOULD BE NO PAST DUE ON A COLLECTION ACCOUNT. Again your XX/XX/XXXX investigation said these things were accurate.
Consumer complaint received 2018-02-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (MA)

Dear Support Representative, I just discovered this and paid the amount of XXXX . You can find the payment of the receipt that is attached. I would appreciate if you can help me remove this derogatory mark as affects my credit history. Sincerely, XXXX XXXX
Consumer complaint received 2018-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (CA)

Chase discriminates applicants from XXXX. I have applied a year ago to XXXX cc and having score close to the max possible i was declined because chase felt I opened too many cc in last 2 years. I asked how many considers too many and was told it is based on each independent case. I did not open ... I replaced existing ones. My attempt to clarify or point to the fact for last 21 living in the USA I had not been late even ones did not yield any positive resolution. In early XX/XX/2018 I  referred my mother to chase freedom. She got a call from fraud dept early morning that woke her up. She is almost XXXX with barely no XXXX and XXXX XXXX. I live in XXXX XXXX and she is in XXXX XXXX so I can't help her. I don't know what the conversation was about but the fraud dept did not like her answers and did not offer her XXXX translator. She got letter in the mail to call the fraud dept. I called today as she came visiting me in XXXX XXXX. Was told mom 's application expired. I asked why she wasn't offered a XXXX translator but got lied back that she was. No she did not. I want DA follow up as I feel chase deliberately filter XXXX applicants. BTW chase we all used to have checking accounts with with the same address.
Consumer complaint received 2021-02-09
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. (IA)

Equifax keeps closing disputes and does nothing. 'We hope this resolves your concerns. ' No it does not resolve my concern, over 5 years! All you do is close disputes and fix NOTHING. 

Delete the account in question, I have sent statements directly from XXXX showing you over 50 % of the payments being reported are incorrect and you continue to do nothing. I'm using all of this proof of you intentionally breaking the FCRA to hurt me. You're ignoring the obvious proof I have sent to you for over 5 years and you're doing this on purpose to hurt me. 

" Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. ''
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

I have a Chase Freedom Credit Card. On XX/XX/XXXX I was charged {$79.00} for interest. On the XXXX of XXXX I have a scheduled minimum payment of {$120.00}. This totals out to {$200.00}. I can not afford these charges at this rate.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Today, as alerted by my calendar, I tried retrieving online my free annual credit report from Equifax. As usual, they refused, asking me to apply by snail mail. No reason is given ( " We are not able to deliver your free Equifax Annual Credit Report online '' ). 

They do ask 4 " identity '' questions, 2 of which are related to items in my credit report and I can answer precisely, another 2 aren't ( this is determined with a copy of my most recent Equifax credit report that was sent to me by mail ), and are best answered as " None of the Above ''. 

Equifax ( as well as XXXX  ) do this every year ( All of XXXX 's questions are relevant and can be answered precisely, and XXXX 's report is always available online ). Equifax  ( and XXXX  ) just plain refuse to show me my credit report online. Will this Bureau put an end to this abuse?
Consumer complaint received 2022-04-24
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. (TX)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.