davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (MA)

The coronavirus pandemic has been a mental and physical drain for the globe. During this global crisis, many consumers faced the added stress of dealing with financial services companies that didn't always follow the rules or were slow to move when the federal government attempted to relieve the economic effects consumers were experiencing. 
I am a victim of the above challenge. There is a credit report inaccuracy on my credit from XX/XX/2020 issued by XXXX XXXX. There is a dissonance between the laws introduced to help consumers during the Pandemic and how XXXX XXXX reported my suspended payments to the credit bureaus in XX/XX/2020. I have attempted several times to contact XXXX XXXX directly regarding this inaccuracy with no success. I am left to deal with the error now on my own despite guidelines that were enacted to protect consumers from negative credit implications during the Pandemic. 
At the beginning of 2020, I lost my job due to the Pandemic. My company was a XXXX company that was based out of XXXX, so the economic impacts of the Pandemic hit our company sooner than it did XXXX organizations. When this occurred, I called all my creditors to ask for adjustments in payments until there was clarity around what would be next. When I spoke with XXXX XXXX, they said they would suspend my minimum payment, and I would have to call them each month to verify if I still needed this accommodation. They stated I would have no late fees, nor would there be any negative impact to my credit report due to this adjustment on their behalf. They assured me that as a result of the Cares Act and XXXX XXXX making accommodations for consumers that needed it, I would not experience anything adverse. 
I did as they instructed until I was able to resume payments. Once I was able to continue payments, I called them and went back to our regular payment schedule. Upon pulling my credit report at the very end of 2020, I noticed that I had a 30 day late in XXXX of 2020 from XXXX XXXX that appeared on my credit. This late appeared after the time in which I called XXXX XXXX and explained to them that I would not be able to make payments. And that this was accurate, as they assured me as a result of the Pandemic, they were making accommodations for consumers that needed it, who were impacted by COVID-19, that I would not have any late charges or any impacts to my credit report. I called XXXX XXXX and explained to them that this error was on appearing on my credit report, at which point they said they were unwilling to adjust the information on the report. I'm writing in hopes that someone will do a thorough investigation regarding this inaccuracy, as this is a violation of my consumer rights. I was told I would have no implications on my credit report due to the Pandemic, but this is not the case with XXXX XXXX.
Consumer complaint received 2022-10-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (IL)

I received an email from Wells Fargo indicating that I had opened a checking account with them, which was not the case. After speaking with a representative, they informed me that ( 1 ) I should start looking into potential identity theft and ( 2 ) they would be putting a hold on my account and starting a fraud investigation ).

It's now been over a month, and there has been no indication that my identity has been stolen ( after all, nobody has attempted to open a new loan or credit card in my name and my credit score and report at still the same ). Given that, I suspect that it was fraudulently opened by someone at Wells Fargo. 

Additionally, my Wells Fargo checking account is still open and I am getting constant emails from them about adding funds, etc. I have now called Wells Fargo to try to close my account multiple times, but each time they say I have to wait on hold for someone in their fraud department ( which I've attempted to do so several times unsuccessfully, having waited on hold for several hours and listening to mind-bendingly repetitive music ). When I connect with someone from a different department, they tell me that the only option is for me to wait on hold ( as that can't give a time estimate for waiting, don't allow for a customer call back for their fraud department, and don't give you an option to email them ). 

All I want is for my account to be closed and to not be charged anything. There should be an easier way than this.
Consumer complaint received 2022-08-23
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fay Servicing, LLC (FL)

I am in a process of refinancing the loan that I have with Fay Servicing and need a payoff statement from them. We have called several times every day for over 10 days requesting it, and have heard from them that we will get it by the end of the day, which hasn't occurred. The closing already had to be rescheduled 2 times, and TODAY ( XX/XX/2022 ) is my deadline to have it closed. Fay Servicing still haven't submitted it. They keep that " calling them won't make any difference, '' and that " they will submit it when they submit it. '' I need help. I feel disrespected, haven't been able to go to work in XXXX, as the closing is in XXXX, and each day that Fay Servicing is denying to submit this document, the extra interest is being added as per their own benefit as if it was no consumer protection that would protect the client in a situation like this. 
If needed, I have records of all calls and emails sent to Fay Servicing.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (IL)

Personal check was written XX/XX/XXXX for XXXX dollars to an individual XXXX XXXX. It was mutually decided that the funds were no longer to be paid and the check was meant to be voided and destroyed. The check was then cashed on XX/XX/XXXX without my authorization. I notified Chase bank on XX/XX/XXXX when I discovered the withdrawal. No resolution with Chase as of XX/XX/XXXX.
Consumer complaint received 2020-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX  XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-19
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: Nelnet, Inc. (MD)

I recently looked overbmy credit report, and I have seen that with tje alleged account ( US DEPT OF EDUCATION/XXXX ) Is reporting to the credit bureau with a few discrepancies in the alleged account with the followng information : ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment -- ), ( term -- ), ( Worst payment status -- ), ( CONTACT ADDRESS US DEPT OF ED/XXXX XXXX XXXX XXXX, WI XXXX USA Mail only ) is being reported on XXXX. 
However, XXXX  is reporting the same alleged account information ( Name of Creditor : US DEPT OF EDUCATION/XXXX ), ( monthly payment {$0.00} ), ( Term : 0 month ), ( worse payment status : current ), ( CONTACT ADDRESS : US DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX USA ( XXXX ) XXXX ). 
This can not be the same creditor, as the information would indeed reflect the same information as one another, and not be different in any manner. 

I have provied for validation sake, several screenshots of the alleged account information and the inaccuracies reporting to XXXX  and XXXX, showing the different in this alleged Information.
Consumer complaint received 2020-01-04
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (AZ)

Every single day for the past six months, XXXX XXXX ruthlessly calls my phone various times of the day even after setting up promises to pay as well as payment arrangements towards my vehicle loan. One instance, I was harassed and mildly insulted by an operator on XXXX XXXX XXXX after calling them to pay them a full months + additional principal. The operator kept on vexing me to pay {$700.00} on a {$560.00} payment when I repeatedly told her I was only paying {$600.00}. The operator also failed to put in the right payment information and responded in a tone of voice that was very insulting. The operator after her was very helpful and pleasant to deal with.
Consumer complaint received 2022-06-09
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. (WA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

I received a text message on XXXX at XXXX EST from XXXX that said, " FIFTH THIRD -- Attempt of {$1700.00} at XXXX XXXX OH XX/XX/21 require approval, Log on https : //fifththirdsupport.top/index.php/? key to CANCEL. '' I don't have an account at Fifth Third. I am not sure how this company got my cellphone number. I am concerned someone is using my personal identification at Fifth Third. 

Normally I just report spam to XXXX 's XXXX number, but this one involved banking at it concerned me.
Consumer complaint received 2020-01-03
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CU Recovery, Inc. (AZ)

I am currently enrolled in a debt consolidation program with XXXX XXXX XXXX, who has been wonderful to me. One of my accounts enrolled in the program is a personal loan from XXXX XXXX XXXX ( XXXX ). Today, XX/XX/XXXX, I was contacted by their debt collection agency, known as CU Recovery in Minnesota. The individual, XXXX XXXX, took it upon himself to contact my girlfriend and my girlfriend 's sister ( whom which I don't even have her number ). This, to the best of my knowledge, is not only extremely unprofessional and unnecessary, but illegal and not allowed by an agency. I have made payments to my debt consolidation perfectly for nearly a year now, and negotiations were already underway with this creditor. For this man to do this is unbelievably rude. Clearly, he had to do some serious digging to even get her number, which again I myself do not even have. 

In light of this, I would like to submit a formal complaint on CU Recovery and XXXX XXXX for this absurd action. Thank you.
Consumer complaint received 2022-06-09
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: National Credit Adjusters, LLC (FL)

15 U.S.C 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with MY WRITTEN INSTRUCTIONS ( XXXX XXXX XXXX ) Account Number XXXX at Address ( XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ) ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Account Number : XXXX Account Number : XXXX Has been reported as pasted due. I do not know this company. I have never done any bussiness with this company. this company does not have a contract with my signature.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXXXXXX XXXX Balance Owed : {$1300.00}
Consumer complaint received 2022-06-09
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-08-01
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. (SC)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2900.00} XXXX XXXXXXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (OH)

I lost my debit card in business in XXXX. After calling Citibanks customer service center in the XXXX  ( no choice ) a new card apparently mailed. But no card arrived. XXXX citibank. They refuse to send a new card unless I mail an apostilled request for a card to the US. From XXXX. Physically impossible to perform this task in XXXX. Citibank actively preventing me From accessing my account and refusing to provide an alternative l.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

In accordance with the fair credit reporting act XXXX ( Experian ) has violated my rights. 15 U.S.C 1681 section 602 a states I have the rights 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 2022-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (LA)

I received an email from Bank of America stating that an XXXX XXXX Banking Account in my name was applied for, confirmation number XXXX. I do not bank with this bank. I tried to contact this bank, but contact appears to be impossible if you don't have an existing account with them.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions 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 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX - XXXX XXXX, XXXX ( XXXX Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 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 XXXXXXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX & XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX COM XXXX - XXXX XXXXXXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) 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 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-01-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NY)

I received a bill months after a procedure for anesthesia from XXXX XXXX, after I paid upfront and was informed that the time went over and I had to pay more. So I made arrangement to make a few payments, however, there were numerous issues with staff due to Covid and the employees working from home and much confusion as to if I really did owe more, regardless, I made payment as I do not want any negative marks on my credit report and I made final payment of {$60.00} XX/XX/2020 and then was called and told that they made a mistake and I owed an additional {$70.00} which I paid on XX/XX/2020. I never heard from them again until this week I received a collections notice for {$50.00} out of nowhere. Why would they not contact me in over a year and all of a sudden just say I owe more money again? How many times will they do this? I never received any additional bills after the last payment of {$70.00} which I was told was final payment. I was told it was my final payment and I do not want to continue to have them state that I owe more when I do not.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A. (TX)

I opened an account XX/XX/2021 at PNC Bank with a {$400.00} bonus if I met direct deposit total for Virtual Wallet with XXXX XXXX  I used the link to " Apply Now '' at their website. 
I met the {$5000.00} total deposit, but received only {$100.00}. When I called customer service to help, they said something went wrong with the account creation and would get it resolved within 24 hours. 
That was 2 months ago and now PNC claims the account was opened as a Virtual Wallet which only gives a {$100.00} bonus.
Consumer complaint received 2022-08-17
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. (MS)

See the below cases submitted to this agency on XX/XX/2022 where XXXX. XXXX XXXX  XXXX failed to removed the fraudulent charges from all credit reporting agencies as requested according to the FCRA. 

XXXX ; XXXX ; XXXX
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to you in hope that you may be able to help me, I have been trying to get Inaccurately reported information remove from my credit report that is being sent in from Bank of America. 
Bank of America has reported to the three-credit bureau XXXX XXXX XXXX, XXXX, and XXXX ) erroneous and misrepresenting claims, I have sent in dispute letters to the credit bureau 's , showing that this is derogatory information and to no avail Bank of America still sends in misrepresenting and derogatory information, I respectfully request that this misleading information be remove from my credit report under the fair credit reporting act.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

In accordance with the Fair Credit Reporting XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

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