davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-18
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)

Unable to fix issue with XXXX, have been placed on hold with no answer & talked to representatives that did not understand the issue. XXXX has reported a credit card as late. 

Im accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602, which states I have the right to privacy.

15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 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 2022-01-26
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. (TX)

I have been going around in circles with eqifax with not being able to log into my account. Keep being told theres a problem with system and try in 24 hours well, that started 2 weeks ago. Call back, wait in hold, pass security checks to get the SAME CANNED RESPONSES. 

eqifax is reporting WRONG information, I can not dispute online, I can not log into eqifax and customer service does nothing. 

I need real action, eqifax is reporting scores much lower than the other two, and I cant fix it because I cant get past try to religious in 24 hours.
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Billing statement — 
Company: BARCLAYS BANK DELAWARE (NJ)

I have paid my account balance to barclay card ( apple rewards ) in full each statement. Each time I went online to access my account, the balance did not XXXX out and I had a balance due. I have as result overpaid my account by {$540.00}. I have requested a refund of this amount from the card holder however, I am reporting this because their systems are not accurately crediting payments.
Consumer complaint received 2022-11-18
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. (FL)

On XX/XX/XXXX I submitted a complaint to the XXXX and it was a reference to inquiries that have been reported on my credit report in accurately as well as accounts that are negatively impacting my credit profile. There are over XXXX to XXXX inquiries that have been reported to my credit profile that needs to be removed. I have submitted multiple complaints to all credit bureaus, and the situation seems to not be resolved. This is unfairly affecting me and my financials credit score and needs to be resolved as soon as possible.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX, I went into my checking account and it didnt look good at all as I looked at it. So I called the bank and asked for the Fraud Dept. At that time the lady went over it with me and said that there was a check put in there, I said what check cause I dont use checks. Only thing that goes in my account is deposit or I put cash in there. I think this was the second time that fraud had to deal with my account. This time it was bad. the lady was rude and told me not to call again. Then I hung up and called back and talked to a supervisor. I knew it was going they were going to give me a hard time. First they blocked my account and closed. Now my retirement check from Dept of Treasury was coming on XX/XX/XXXX and that my account being closed they were suppose to return the check to the Dept of Treasury, no the didnt they keep it. I called all week long, the Citibank and the US Treasury Dept. Citibank said they returned it and Dept of Treasury said they havent received it. On XX/XX/XXXX I called Citibank and asked was my check there and FINALLY they told me the truth it had been sitting there all week the lady said. Citibank has had my check since then. my check was {$1800.00} and I called yesterday it is now {$1200.00} because of bills?? What bills $ $ $ $ I have small bills like XXXX and things like that I dont have big bills running through the bank, I pay by phone. So on the XXXX I asked for copies of everything that they call themself paying because Citibank is a bank full of lies and jokes and they have cost me for my bills to be late and unpayed. So now 60 days is up on the XX/XX/XXXX and they are working on geting it close and i have to wait another 10 days to get my check.. WRONG ANSWER. By the Government rules you have 15 days to return a government check and Citibank has not done that. and still have had my check for 55 days and I have suffer for 55 days without meds and food and gas for my car that I might lose because of them. I am not finish by far with this my next stop is the Attorney General office.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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 Acct XXXX, has violated my rights. 
XXXX XXXX ACCT : XXXX, has violated my rights.. 
Department of EducationXXXX Acct : XXXX, has violated my rights Department of EducationXXXX Acct XXXX XXXX XXXX has violated my rights. 
Department of EducationXXXX Acct : 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 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
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 information incorrect
Company: EQUIFAX, INC. (GA)

Greetings, I noticed a change in my credit report around XX/XX/XXXX where XXXX had reported four student loans that had been settled and paid off in XXXX. The student loans where initially reported under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which is under XXXX  ). I settled these loans via collection from XXXX XXXX XXXX. I recieve lettersfrom the collector with the settlement amount and the XXXX XXXX settlement authorization and proceed to pay. In XX/XX/XXXX I recieved the letter that brought the student loan to settled and {$0.00} owed. I sent a packet with a letter explaining and copies of all my supporting documentation and I recieved the certified mail PS Form 3811 stamped recieved by XXXX XXXX XX/XX/XXXX, but they never wrote back with a response. 

I sent the copy of the packet with all supporting docuementation to the XXXX, Equifax and XXXX with no luck as they stated that XXXX certified the account as if their information is accurate. I dont understand why they credit agencies determine at XXXX favor as the reported account numbers are the reference numbers in the letters. I'm an XXXX XXXX XXXX and this have impacted my credit negatively which has put my military security clearence in jeopardy as well as my career as I'm required certain high level of clearence. 

Please I beg someone assist me in this matter. Thank you kindly.
Consumer complaint received 2020-01-06
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: AES/PHEAA (NJ)

This complaint is in regards to Fed Loan Servicing. I currently have 21 different accounts reporting on my credit report for all three bureaus. The accounts are listed a late payment in XX/XX/XXXX and XX/XX/XXXX. The loan payment was not late, but in deferment during this time. I have contacted Fed loan to request that they update my credit reporting on several occasions. Once in XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I have asked them to update my credit report to show that I was in forebearance during this time. Please see below : Sec. 463 ( c ) ( 4 ) ( A ) of the HEA states that an institution " shall disclose promptly to such credit bureau organization any changes to the information previously disclosed ''. This is adversely affected my credit as there was no payment due during XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2022-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CO)

XX/XX/2022 {$410.00} Best BuyXXXX XXXX Received email indicating a debit of the above amount was going to be debited from my account.

I called Best Buy and this is a scam as I have never enrolled in the XXXX XXXX XXXX from Best Buy.
Consumer complaint received 2022-11-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (NV)

On XX/XX/22, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit and can confirm that they received the document ( attached to this complaint ). On XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22, Explore Credit debited {$130.00} each time from my bank account. I never authorized these transactions or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.
Consumer complaint received 2020-01-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

On or about XX/XX/19, Jefferson Capital Systems appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from XXXX showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXAccount # : XXXX, XXXX XXXX ( XXXX ) -Account # : XXXX, XXXX XXXX XXXX XXXX-Account XXXX XXXX XXXX, XXXX XXXX XXXX-Account # : XXXX XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXX XXXX XXXX-Account # : XXXX, XXXX XXXXAccount # : XXXX, XXXXXXXX XXXX-Account # : XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A. Section 2 : It also STATES a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX an individual went into a local Chase branch using a fake ID and the incorrect name and withdrew my remaining funds of {$2400.00} and closed my checking and savings account. In XX/XX/XXXX I contacted Chase to update my name due to being recently married and was then made aware that the account had been closed and my money withdrawn. 

Chase has refused to investigate due to my reporting the fraud after 60 days. But the policy states that I have 60 days to report it after receiving the most recent statement/closure letter. The bank provided the thief with the closure letter, not me. They say they mailed a closure letter to me but I did not receive it and neither the bank manager nor the Executive office can reproduce that letter or prove it was actually sent to me. Which means the 60 day policy is void.

I should not be responsible for their mistakes. I can not report something I am not made aware of. As a business and financial institution they need to be held accountable and reimburse me of my stolen funds.
Consumer complaint received 2022-10-07
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 (SC)

I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (NJ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. 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 an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}
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. (NC)

My name is 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 2022-01-26
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. (NY)

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$50.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4200.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;
Consumer complaint received 2022-10-01
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: General Motors Financial Company, Inc. (SC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604- A, SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2015-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

Ocwen Loan Servicing , LLC began requesting proof of Homeowners Hazard insurance on XX/XX/XXXX. I was asked to provide a copy of the current XXXX on the property. That information was faxed to Ocwen on XXXX separate occasions. I also provided the same aforementioned copy by certified mail. On XX/XX/XXXX, I received the same request for evidence of insurance and I re-sent this information by certified mail on XX/XX/XXXX. On XX/XX/XXXX I received yet another request for the same information. 
I contacted legal representation and they sent a letter to Ocwen dated XX/XX/XXXX, stating that I had adequate insurance. They were requested to discontinue mailing proof of insurance requests and informed they did not have legitimate standing to place insurance on my home. 
In spite of my continued efforts to verify and provide proof of insurance for my condo unit to Ocwen, on XX/XX/XXXX ; I received correspondence from Ocwen stating that they had force placed insurance on my condo unit. I contacted my XXXX agent XXXX XXXX and he contacted Ocwen on my behalf and provided evidence of insurance. I received another letter from Ocwen stating the information was not valid. The agent stated they needed proof of insurance coverage from XXXX to XX/XX/XXXX. He contacted XXXX while I was on the line and said that my records would be appropriately updated. I received yet another letter stated XX/XX/XXXX stating that the information that I provided does not provide evidence of acceptable hazard insurance for my property. It further states that if evidence of acceptable insurance is not received, my home will continue to be in a deficient status and I will be billed for any insurance purchased on my behalf.
Consumer complaint received 2020-01-06
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (FL)

Back in the beginning of 2019 ( XXXX ) notification was sent to us that Ditech was changing the payment process and there would be separate accounts for the mortgage payment and the homeowners insurance payment. We did not receive statements in XXXX or XXXX and the XXXX statement must have arrived late because I do not recall receiving it. When I checked my account online, XX/XX/2019, I saw that there was {$2000.00} in an " unapplied '' funds status. I immediately called Ditech and spoke with a representative. On XX/XX/2019 the status of the unapplied changed to {$780.00}. On XX/XX/2019 the status of the unapplied changed to {$7.00}. My monthly homeowners insurance amount was {$200.00}, I do not recall how many payments but shortly after creating a separate account for the insurance they changed again and our payments went directly to the insurance company. Even though they set up a separate account they still took money from the mortgage account for the insurance. I sent a letter dated XX/XX/2019, my first written correspondence. I was, in the past, able to see my payment history and how they continued to change it. I printed screen shots every time I looked and it changed. I am concerned because my funds still continue to sit in the " unapplied '' and they do not post my payments prior to due dates causing me to pay more in interest. The most recent on XX/XX/2019 there was {$1000.00} in unapplied, this amount does not equal the amount of my payments mailed. This amount was not posted as a payment until XX/XX/2019, 3 days after my due date XX/XX/2019. My statement generated XX/XX/2019 shows principal {$860.00}, interest {$580.00}, funds in suspense ( {$32.00} ). I am also concerned that the total amount paid to them in 2019 is incorrect, payments made to Ditech from my checking account total {$10000.00}. This amount does not included insurance once they separated accounts so XX/XX/2019 would only be {$200.00}. On the XX/XX/2019 statement their Year To Date totalpaid is {$9800.00}. 
Before Ditech was in bankruptcy my payments were applied as received, now they hold and forget about them. I make a payment every two weeks based on the pay period, which means I have made two additional payments in one year as bi-weekly is 26 pay  periods.
Consumer complaint received 2022-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC. (CA)

My mortgage company continues to pay the incorrect property tax disbursement. They did this in XXXX and again in XXXX. I went through the process of trying to resolve and after several months was told the XXXX issue would be resolved with the overpayment credited back to my escrow account. They would not redo the escrow analysis which resulted in my monthly payment increasing. The overpayment was credited on XX/XX/XXXX as a mortgage payment in the amount of {$5600.00} but on XX/XX/XXXX a tax disbursement was incorrectly sent in the amount of {$5600.00} followed by a tax disbursement on XX/XX/XXXX for {$5700.00}. I've attempted to contact Ally numerous times to resolve this issue and ask they address this to prevent it from happening in the future given this error has occurred each year for life of loan. I get no responses or updates to my inquiries.