davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ARVEST BANK GROUP, INC. (OK)

The lender XXXX XXXX from Arvest that 's location on XXXX and XXXX I feel as if she was violating the truth in lending act. She did not disclose to me about the closing cost being more than what FHA allowed so she tacked them onto the settlement statement without telling anyone. She took it upon herself. XXXX was not being ethical.
Consumer complaint received 2022-12-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (DE)

On XX/XX/XXXX I applied for an extension of credit from Wells Fargo Auto in the amount of {$66000.00} toward the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Co. According to the Federal Equal Credit Opportunity Act consumers who come in good faith can not be discriminated against and denied credit. I have proof that Wells Fargo Auto not only has discriminated against me, but also is not abiding by the law. Wells Fargo Auto obtained and used my social security card but I received NO benefit from that credit transaction. I have written a certified letter to Wells Fargo Auto to the mailing address given and they shall receive my response to their denial within XXXX business days.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I am writing this letter in response to the phone letter received from you on XXXX XXXX, 2022. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.

Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Thank you, XXXX XXXX
Consumer complaint received 2022-09-28
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 according to the fair credit act XXXX accounts XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX an XXXX for XXXX by XXXX XXXX XXXX Has violated my rights.15 usc 1681 section A states i hava a rights to privacy.Also 15 usc 601 section 604 section A 2 it also states a concomer reporter agency can not furnish a account without my written instruction
Consumer complaint received 2022-09-28
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)

n 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (AL)

I have a credit card with fidelity card member services or fidelity bank and it is a Visa card. On XX/XX/2022 Fidelity Bank closed my credit card account without any prior notice or anything. I was not even notified that my account was closed by fidelity. I called customer service and I was not given a good reason for closing my account and I do not know why. I am NOt late in any payments and I always pay my credit card balance in full each month and there are NO problems with my credit card account with fidelity. Fidelity can not close my account just because they feel like it, they have to have a very good reason and legitimate reason for closing my account. I have done nothing wrong and I buy from the same retailers that I buy from for years and there are no reasons for them to close my account. This is very poor quality customer service and a very terrible bank and company. 
I want my account to be restored and reopened back again immediately and I want higher management to call me and explain why they closed my account for NO legitimate reason
Consumer complaint received 2022-08-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (AR)

Our loan was transferred from XXXX  to FlagStar in XX/XX/2022. Our autopay to XXXX continued until XX/XX/2022 and Flagstar collected those payments. We were not notified of this loan transfer. We do not receive mail at the physical address and had advised XXXX we require electronic notices. We could not know we were falling behind because the auto payment continued as usual until they abruptly stopped. We discovered via our credit report. 

We called Flagstar on XX/XX/2022, and they could not offer any assistance or explanation, so we paid three mortgage payments on XX/XX/XXXX. The website reflected the payment as accepted. 

When we logged back on to the portal this month, the portal no longer indicates those payments. They were deleted. We made those three payments again today, XX/XX/XXXX. The portal reflected as accepted. Then we received a text that the payment failed. We called Flagstar again. The representative XXXX, last name unknown, said we dont know nothing. That is a direct quote. She said they had no record of is ever making payments. We advised her we had texts FROM FLAGSTAR advising us to call this very number to get it resolved. We asked to speak to her supervisor and she said Im telling you nobody here knows nothing. When we finally persuaded her to speak to a manager, SHE spoke with the manager and came back and said we couldnt pay online becomes we were behind. So clearly her manager was able to determine the sissies nut not resolve it. Her manager would not speak to us. 

She said we would have to wait and see if the portal worked someday. When we advised this was not acceptable, she said all she could do was put in another payment because she dont know why Flagstar does it that way. Now our credit is ruined. We have sufficient funds to pay all payments and have never been unable to pay. We simply need Flagstar to accept the payments. We need to have this false credit reporting removed.
Consumer complaint received 2022-12-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Io, Inc. (NJ)

A Medical Provider Patient First is attempting " Balance Billing '' for a Covid test XX/XX/2020... .The Bill has been sent to a collection agency. It is my understanding that Covid tests at that time were free. It is also my understanding that per the provider 's contract with XXXX they will accept the approved amount as full payment. For reference the " No Surprise Bill '' was not in effect at the date, however even at the date of service per their contract with XXXX a provider had to accept the reimbursement from XXXX as full payment... .I have XXXX XXXX that I owe {$0.00} for this service. The Credit Collection Agency is : Receivables Management Systems P.O. XXXX XXXX XXXX Va XXXX
Consumer complaint received 2022-12-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I deposited a third party check from our Mortgage company XXXX XXXX XXXX This check was from release of funds from an insurance claim for property damage. When I deposited the check I showed the teller all the paperwork. They verified with my fianc that he signed the check over to me because of his work hours he is not able to make it into the bank. No one from the bank told me that both my checking and savings account would be placed into a restricted status. I went to the grocery store the following day and my card was declined. I called chase and they said they froze my accounts due to the large amount of the check. The check was placed in my savings account, because I knew I have to pay the contractors for completed work done to our property. Chase said I would need to wait until XX/XX/2022 for the check to clear. On XX/XX/2022 the check cleared and chase received the funds. They then closed my account and have not released the funds. I have called several times, they said they needed to verify the check with XXXX XXXX XXXX and my Mortgage company. I provided them with the mortgage company information and loan number. Even after receiving the funds and verifying the check with the mortgage companies bank and XXXX XXXX XXXX they are refusing to release funds. They have closed all my accounts and will not provide me with any information. This has effected my payroll deposits, car payment, and bills that are on auto pay. They are holing my funds since. XX/XX/2022 I have not been able to pay any of my bills and this is now effecting my credit.
Consumer complaint received 2022-09-28
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. (NC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed there are remaining items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC (MO)

I am in the process of fixing my credit from fraudulent transactions. I spoke to XXXX XXXX at RISE Credit and disputed a charge off of a debt that went to a collection agency without my knowledge. After checking XXXX XXXX and XXXX I noticed that a loan had negatively impacted my credit. That is what sparked the initiative to ask and resolve the issues surrounding this company.
Consumer complaint received 2022-09-28
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file and listed on my credit report are : XXXX  XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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 previously submitted a complaint addressed to the Credit Bureaus requesting that the Credit Bureaus correct and or remove the disputed accounts from my Credit File. I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information that are still being reported on my Credit File despite my multiple attempts to dispute these information. I think that the Credit Bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them once the Credit Bureaus do not comply with my requests in accordance with the FCRA regulation. This was already included in my prior COMPLAINTS, and I'm including it again. Under the FCRA, please investigate the following accounts : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO. (KY)

Chase Card Services XXXX No Chase Credit Card has been authorized in my name by me. No monetary amount is due Chase by me. 

Certified mail delivered XX/XX/XXXX @ XXXX XXXX  to cease telephone calls. 

Phone calls as follows : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX
Consumer complaint received 2022-09-28
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate account listed below is still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$590.00}
Consumer complaint received 2022-09-28
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)

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. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed accounts. If they are unsuccessful to comply with the condition and continue the reporting of the disputed accounts, please realize I will pursue legal action. I need the accounts corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-09-28
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 (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO DEALER SVC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I was contacted by a man claiming to be from Wells Fargo Fraud Dept. He was notifying me about fraudulent activity on my acct. I opened my app and found there was fraud on my acct. 
I started receiving texts from the same number Wells Fargo uses to send me codes, has me tell the the codes as verification. I told the man posing as Wells Fargo the codes numerous times and when I questioned it, he gaslighted me with scripted XXXX same as Wells Fargo. He finally slipped up and asked me for my entire social security number. I immediately hung up and called the number on the back of my debit card. 
I was assured it was fraud, but that they could fix it. I spent XXXX  hours on the phone with WF to close out my accounts ( both saving and checking ) and reopened new ones so no further fraud could occur. A new debit card was also ordered. 
On XX/XX/XXXX I called to ask questions about the fraud and was told everything I had previously had been told was wrong. I was also told not to question how or why it occurred and not to blame Wells Fargo or they just wouldnt give me my back. 
XX/XX/XXXX I went to Wells Fargo in XXXX, XXXX and spoke with a banker who helped me file a corporate complaint and was assured they knew it was fraud, a well known fraud, and that it would be handled and my monies returned. 
XX/XX/XXXX I was told my fraud claim had been rejected as not fraud, because I gave the man the codes. 
His phone number is registered on XXXX as a WellsFargo branch in XXXX. An attached link takes you to WellsFargo.com. He used Wells Fargos texting system to text me. Either he is fraudulently using their name and company, or Wells Fargo themselves are the fraud. Either way, its still fraud. 
Every time I talk to Wells Fargo I am asked to share codes that say not to do certain things. If I dont give them the codes, they will end the phone calls. Same as the fraudster. How is a customer supposed to tell the difference when the experience is, Just do it, or else with both the fraud and the bank themselves?
Consumer complaint received 2022-03-29
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. (FL)

There is fraud related accounts that is reporting on my credit file. I have sent in a FTC report to all three credit bureaus more than 30 days ago and none of them took the proper action. Yet, those incorrect fraud accounts are still reporting on my credit report. This is violating. Instead of them removing the fraudently accounts due to me being a victim of identity theft they stated those accounts are verified. This is incorrect. I need those accounts deleted immediately from my credit report.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted a letter to the XXXX and Equifax Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}