davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I disputed a 30-day late payment to my credit report during Covid 19 Unfortunately with the stay-at-home orders, my business was shut down most of 2020. When I called and spoke to the XXXX customer service person regarding my payment for XX/XX/2020 being paid late, I was told that as soon as I could bring my account up current that they would remove any late payment history from my account, as long as it was within the time frame we set, which was no more than 30 days. My account was paid late for the month of XX/XX/2020 however, was brought current by XX/XX/2020, within the 30-day time frame we had agreed upon. Now after the fact, XXXX is reporting a late payment still for XX/XX/2020. I have tried contacting them to have this removed as well as filed a CFPB previously since I could not get a response back by mail. The response that I received from the cfpb complaint from XXXX was that they will not remove the late pay : '' XXXX did not cause the error of reporting status '' There was no acknowledgement of anything that should have been taken into consideration with my account. This is not a normal practice for me, I am a business owner and pride myself on paying my debts on time with a good history. With the nation trying to get back on track financially, one would think that a large corporation would be much more willing to help a consumer with removing one late payment off of the credit history especially when the consumer has a XXXX balance and made the account current as stated within 30 days. Very disappointed
Consumer complaint received 2020-12-26
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. (PA)

On XXXX XXXX, 2020, I sent a letter to your company disputing incorrect information on my credit report but they did not correct the erroneous information. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report, which they failed to do so. Physical verification was not provided.
Consumer complaint received 2021-08-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

I filed a dispute on XXXX to NetSpend for charges that were made in la the same day I brought the remind you I stay and brought the card in XXXX Recently I had a XXXX and just got out the hospital I went to activate the the card they send u to d find out money has been taken from my account told NetSpend all of a sudden my card is closed never gave me a notice of account closure they say it's due to unusual transactions but I haven't used the card there is no transaction
Consumer complaint received 2021-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: JPMORGAN CHASE & CO. (CA)

Beginning on XX/XX/XXXX I attempted to be qualified for a car lease. This lease was never followed through and due to my lack of credit history and it being so young, I was denied. Since this date I have had a hard inquiry on my credit, reporting as a hard inquiry. A year later, on XX/XX/XXXX, I attempted to become qualified to get a loan and buy a car. After being denied again I had plans that this was going to be my forever car so I applied to many more companies that offered auto loans and went through other dealerships. A total of nine companies denied me any line of credit to support me in making payments on my first car. This included a total of three automotive centers, four finance centers and three banks that I applied to seek a loan in turn I was denied. After my tenth try through XXXX  on XX/XX/XXXX I decided to let my credit gain some more time to age. Although I had a good score and never missed a payment, the issue was that my credit was barely two years old. I have ten total hard inquiries on my credit due to hopes of getting my first car which followed through to be unsuccessful and remain on my credit with no help of advancements to get the car through any company listed as a hard inquiry on my credit. As of XX/XX/XXXX I contacted XXXX  and XXXX  to dispute the hard inquiries and was given similar instructions by each credit bureau. This was to contact the dealerships or companies that I applied for a loan through and ask them to fix my hard inquiry list. I contacted two companies, one automotive and one finance company. This resulted in their answer being to contact CFPB to file a dispute as it is out of their hands.
Consumer complaint received 2022-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with the Fair credit reporting Act, XXXX 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 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 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 Has violated my rights.

15 usc 1681 section 602 ( A ). States I have the right to privacy.

15 usc 1681 section 604 ( A ) section 2, also states a Consumer Reporting Agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-09
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. (FL)

Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NV)

XXXX XXXX In accordance with the fair credit reporting Act This creditor has violated my rights. 
( Citi Bank Financial ) under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-12-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank has closed 4 bank accounts without my authorization. The 3 accounts that bring the most problem are with my father 's estate accounts. My father passed away on XX/XX/XXXX. Well Fargo keeps records for account holders for 18 months which is great. This allows me to settle my fathers estate properly and provide the state of Virginia documents such as bank statements and checks to track funds. However given that the balances dropped to a low level they took it upon themselves to close these accounts. The estate requires documentation for accounting to preform tax returns and filings as well as estate filings. In addition Wells Fargo has no problem in charging fees on both my fathers estate accounts as well as commercial accounts without hesitation. I need online access for estate and corporate tax returns due to the fact that their bank statements dont provide details on checks that were written. I requested numerous times to allow online access so I can pull bank statements and cancelled checks for this year XX/XX/XXXX but they have denied me that right yet they offer that to others that have active accounts. If they had told me or warned me of this issue I would have kept the required balances. 

1. account # XXXX checking 2. account # XXXX savings 3. account # XXXX checking 4. XX/XX/XXXX XXXX account XXXX commercial
Consumer complaint received 2020-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (WV)

I received a letter dated XXXX XXXX from Discover stating that during a review of my credit situation my credit line was decreased from XXXX to XXXX. The balance on that card was a little over {$7000.00}, the decrease gave me a % 100 utilization on that card. 
I have recently started a XXXX XXXX XXXX and have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this year. I am not receiving donations right now because my XXXX status has not been approved, I will not get a result about my IRS application until after XX/XX/2021. I have used my credit cards for the XXXX XXXX bills and my XXXX XXXX XXXX. I have also had to finance a roof this year because the one on the house was leaking. 
I would also like to add that I have had a % 100 on time payment for every single one of my credit cards, have never maxed out any of my cards, and usually pay off large balances. For Discover to have lowered my credit limit, giving me a % 100 utilization on this card, is an intentionally hurtful, unfair business practice designed to perpetuate the problem I am currently experiencing with my credit score which affects insurance rates, interest rates, if I have an emergency and need a loan it will not be approved. This practice needs to be stopped. A credit limit shouldn't be able to be lowered when there has been no history of irresponsible payment practices of the borrower. It should be viewed on an individual basis and then decided on review of specific circumstances. 
I have requested that Discover close this account as I will no longer be doing any business with a company that will intentionally hurt me. I was told that they are still going to be charging me interest. How is that fair? How is any of this fair? This is predatory. Please help me with this.
Consumer complaint received 2022-10-09
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. (LA)

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 2020-12-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (TN)

I used Wells Fargo to finance my car, and Wells Fargo is still using me. 

They charged me for insurance I did not require. The additional charges led to my cars repossession. Without transportation I lost my job. 
I was a part of the class action law suite against WF. To date Ive received XXXX $ from the company. They continue to urge me to cash the checks. The repo alone cost almost XXXX . 

They refuse to communicate with me, and I certainly no longer have the money for a legal advocate. 

Wells Fargo has admitted to using consumers repeatedly. They are still doing it ...
Consumer complaint received 2018-12-31
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)

XXXX {$680.00}, {$510.00}, {$1000.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX   or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2018-12-31
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)

XXXX XXXX XXXX {$630.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2022-10-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

9 months ago I received an email about this company changing their terms of service advising customers that are impacted would me contacted. I sent out a request through their contact form ( there is no way to reach a live person ) to get more info I received no response. 

5 months ago I lost access to my account no warning, no way to make payments no info. The request was closed with no response. 

4 months ago I submitted another request a month later someone responded advising they were not able to accept my identification so they were closing my account. My drivers license issued by the state of Texas was provided I dont understand what they meant by that. Also I was 6 months into the loan why is this happening now. 

2 months ago I reached out again advising automatic payments stopped going into my account and I was unable to make payments on their app. The same standard response was given I was not able to be identified and that I should make a payment on my account with no direction on how since the app was not allowing me to. I was reported to the credit bureaus with late payment. 

25 days ago I submitted a complaint advising the app would not allow me to make the 2 months past due payments they caused instead it is forcing me to pay the entire balance. I have received no response and again they reported me to credit bureaus with 2 months late payments. 

There is no way to communicate with this company directly and it takes almost a a month for them to respond if they respond. Please help me.
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (MA)

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 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 has violated my rights. 
15 U.S.C 1681 section 602A. state i have the rights to privacy.

15 U.S.C 1681 section 604A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-09
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wromng person.
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I have tried on numerous occasions to open a My Equifax online account to place a security freeze on my credit report with Equifax. I have been unable to do so because when I try to log in I get an error message " We are temporarily unable to complete this request. '' I started contacting Equifax on XX/XX/XXXX by phone and was told " Someone would reach out to me in 48 hours. '' Nobody ever did, so I followed up over XXXX XXXX on XX/XX/XXXX, again being told they would respond shortly. They never did, I followed up on the XXXX and was told they were still investigating, I followed up again on the XXXX and was told I would be contacted back on the XXXX between XXXX and XXXX and was never reached out too. I have since reached out after XXXX on the XXXX, and then again on the XXXX and the XXXX with no response from Equifax since the XXXX of XXXX. They have ignored all of my requests and I am unable to place a security freeze due to them ignoring my request for help repeatedly.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Checkr, Inc (IL)

Hello. 

My name is XXXX XXXX. I have a problem with a background checking company named " Checkr '' ( Checkr.com ) Checkr.com posted unauthorized, and incorrect background information about me ( from 29 years ago ) to my employer ( XXXX ). 

I was on my XXXX XXXXXXXX XXXX XXXX  with XXXX. I XXXX  for the 5years ago ( 5star ratings ) for about 14 months. And recently I re-applied about 13 months ago. I was XXXX  ( part-time ) for about a year. ( all 5star ratings ) and then... 

Just last month, mysteriously, XXXX performed a random background check on me. And a XXXX  from 29 years ago was posted from their background checking company ( Checkr.com ) XXXX deactivated my account. I lost wages. I have not driven for XXXX in over a month. ( I had a XXXX XXXX XXXX ) I filed a complaint with Checkr.com. It is in dispute right now.
Consumer complaint received 2021-08-13
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. (FL)

XX/XX/XXXX - Sent in a dispute to XXXX and to all 3 credit Bureaus requesting that the account get investigated for accuracy. The credit bureaus and the XXXX came back and stated that the account was verified as accurate. 
XX/XX/XXXX - I requested a method of verification. This was not provided to me XX/XX/XXXX - Sent a dispute again for the inaccurate information XX/XX/XXXX - 4th dispute requesting investigation of the account. 
-- -- The date of last activity is listed with XXXX  as XX/XX/XXXX, XXXX  XXXX and Equifax XX/XX/XXXX. This is years a part. If they are getting the information from XXXX how is this possible. Along with the High Balance. XXXX XXXX  is showing an high balance {$64000.00}. And Equifax is showing a high balance of {$21000.00}. This is just confusing to me.