davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (TX)

In XX/XX/XXXX, I received a phone call from US Bank, my mortgage company, about a disaster forbearance due to Hurricane Harvey. During that time I was told that no payments would be due on my account and that no credit reporting would done. At the end of XX/XX/XXXXI received a letter that stated my disaster forbearance would end on XX/XX/XXXX and at that time the total sum of my account would be due in the amount of {$1500.00}. Because XX/XX/XXXX was a holiday and offices were closed, I called US Bank on XX/XX/XXXX and paid the requested amount of {$1500.00}. On XX/XX/XXXX, I received a credit monitoring notification that there were changes to my credit report. When I checked my credit report, it was noted that US Bank reported my mortgage account as delinquent 90-119 days past due. I then placed a call to US Bank and spoke to a manager regarding this matter. I was told that they were aware of the problem and an issue with their system prompted the system to subsequently report all customer accounts that were on disaster forbearance as delinquent for more than 90 days. I was then told that a task was sent on my behalf to their credit reporting department to have the incorrect reporting updated to adequately reflect no late payments. I was also given the name and fax number of a XXXX XXXX and was told that as an added measure, I could submit a letter to her in an attempt to expedite the matter, which I did. I made subsequent phone calls to US Bank regarding this matter to have the same answers regurgitated and no action taken. This reporting has dropped my credit score over 100 points and even further dropped my credit score by having my creditors reduce my credit limit on current accounts thus increasing my utilization rate on these cards. This has also made me have to put a needed car purchase on hold as my credit score, as it stands would cause me to have a higher than wanted interest rate and down payment. It has been past 30 days and my credit report continues to reflect an account that is 90-119 days late. 
A more thorough review noted that US Bank has reported my account as 30 days late for XX/XX/XXXX, which is also incorrect. 
I have disputed this information with the credit bureaus and submitted proof of the letter received and proof of payment, it has been past 30 days and nothing has been removed from my account
Consumer complaint received 2018-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

I have a spousal consolidation loan with my ex-husband. I do not receive statements. I do not receive correspondences. I do not receive phone calls. I can not create my own login or manage the account online. I have documentation going back several years to where I have attempted to resolve this problem with the customer advocate office to no avail. I am being held responsible for an account that I have no access to. I am completely dependent on my ex-husband for information on this account. There are other concerns as well. I have been forced on multiple occasions to take high-interest forbearances. I am also very concerned about how the fees and interest have accrued on the account. According to the limited information I have been able to obtain, the account has accrued over $ 317K of interest and fees.
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (FL)

Prepaid credit card, can not owe money I funded myself. This was suppose to help my credit score but it hurt it more. The account was closed and no longer utilized FCRA 15 U.S.C. 1681 Section 602 : I have the right to accuracy and fairness of credit reporting
Consumer complaint received 2023-03-12
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. (CA)

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, 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 2018-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (TX)

The reason for me filing this dispute with your agency is due to IC System reporting derogatory debt to the collect bureau without first mailing notice to dispute the validity of debt. IC System is in violation of the FDCPA for failing to follow proper procedures.
Consumer complaint received 2021-06-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

XXXX XXXX has made additional credit cards and even changed ny mail and made false business in my identity and forged checks they have used wells Fargo student loans and many more. None of the prepaid XXXX XXXX wells Fargo, XXXX, XXXX cards are mines there are multiple other online accounts mobile wallet accounts in my name and social that all needs to be turned off.her and XXXX XXXX are scaming and in an credit card ring. Using multiple identify and she XXXX XXXX is an XXXX XXXX XXXX who has been transparency screens to fool you and the system. I want every card turned off and investigated. 
XXXX XXXX XXXX, XXXX, I am not in school and do not have an XXXX number. I also have been living under XXXX XXXX XXXX XXXX # XXXX XXXX XXXX TX XXXX since XXXX my apartment currently address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX TX XXXX. Please investigate every transaction and atm withdrawal and ach transaction. Please send findings to Detective XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX
Consumer complaint received 2021-06-29
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

I used the forbearance offer by my mortgage lender. I am trying to pay for it so I won't lose my home. I'm in the 3 month trial period of ending my forbearance. 1st it took forever to get a hold of anyone to end it. 2nd, when I finally did, took 1 week to get a hold of anyone to pay my 1st payment. 3rd Now I'm trying to pay my 2nd payment and been on hold for 3 hours waiting for someone to answer. XXXX 's aim is to take my house. They said paying online or by mail is not an option during the trial period. Don't know what else to do, I'm a XXXX  now and don't have time to sit around and spend all day trying to pay my mortgage.
Consumer complaint received 2022-08-25
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. (NC)

XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX  FLXXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX     15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-06-29
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. (TN)

On ( XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete.
Consumer complaint received 2020-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I have a federal government consolidated student loan, and work at a 501 ( c ) 3 job. In 2007, and for a few years I checked in with my lender and links provided to ensure I was on track for Public Student Loan Forgiveness. I was assured that I was on track and that it was too soon to apply. I later found out that although the loan should have qualified, it now didn't and I'd have to re-fiance and start over. I have over 10 years of payments, and I can't just start a new 10 year clock. The lender and the government pulled a bait and switch scam on us. Fix this, allow me to apply and forgive the loan as promised.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

This is in regards to a Citi XXXX XXXX card. Citi closed my account due to not renewing my XXXX account during the Pandemic. I did not renew because of the Pandemic and the fact that the nearest XXXX is XXXX miles away. I called to get my account reopened and was told they would not reopen at the time. For several months after it was closed i was still making payments online. Next, a few months later, they removed the card from my online account, leaving me with no option to make payments and no way to receive statements. 2 months after not making payments, they called and after telling the Citi representative what happened nothing got resolved. It is now several months delinquent, with still no option to pay or get statements. Citi still sends me emails with links to pay online but when i login the account info is not there and there is no option to pay. My other Citi XXXX card is still there and is current along with my Best Buy Citi card which is also current. 
I also tried to pay on the mobile app. No account info available.
Consumer complaint received 2018-10-30
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: SYNCHRONY FINANCIAL (NV)

I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall ever authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. This is the third time that I tried to resolve this issue with your staff and management team.
Consumer complaint received 2021-06-29
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (MN)

Working with Wells Fargo ( WF ) to close on a property, they informed me that I had an open application with another lender for pre-approval that they needed documentation validating I canceled it. They also let me know that I had a loan request out on my current residence that my parents rent that they need additional documentation on. I informed them that this was incorrect and that I do not have an application open with another lender, nor did I have a loan request out on my current residence. I provided an email response from the lender I shopped around with stating no loan exists under my name with them and that any and all loans were canceled. Wells Fargo stated that was not sufficient for their needs. I asked WF to provide me what exactly they need from the other lender to satisfy their needs. Wells Fargo could not provide me an answer to that question. When I asked WF can you provide me your policy or written procedure on how their underwriting approves loans the response I received was " We do not have a policy or written procedures regarding what is needed for underwriting to approve the requests needed to approve your loan ''. I then called the other lender to help me address WFs request they provided me a letter that included there letterhead from the lenders company email stating the following " The above-referenced client withdrew his application with us per his request. That being said he was not denied so no denial letter was sent to client since he was not declined. So please use this letter to ensure that no loan was made with ( Removed my full name ) and XXXX XXXX. '' WF stated this was not sufficient and did not nor would provide me examples of what they needed in writing to address their request.
Consumer complaint received 2018-02-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO. (OH)

We had a CD IRA purchased on XX/XX/XXXX and it was a five year term. 
I called on XX/XX/XXXX to check about fees or penalty to transfer this to another bank. 
The gentleman said no fees/penalty because of my age ( XXXX ). So I decided to transfer or rollover this IRA CD to the other bank. I signed the papers from the other bank on XX/XX/XXXX to get the process started. The bank notified me on XX/XX/XXXX that the transfer was completed. I went out on XX/XX/XXXX and signed papers and etc. When I got home I was filing the papers and etc and noticed the amount of the original CD was {$760.00} less. 
I called Chase to find out why and they said there was a 2 % penalty of the face amount of the CD. I told them I was advised by another representative no charges! Plus nowhere on my paper work does it say what the penalty fees are for an early withdraw. I had one year left to finish the 5 year term. I do think this fee is very excessive and it was only paying 0.55 %. We called Chase to see if we could cancel the transaction and send the check back to them and they said no. They are ending the CD Retirement program. 
I would like my money back.
Consumer complaint received 2022-10-05
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: LEXISNEXIS (WA)

There has been a XXXX XXXX XXXX XXXX  that was from someone opening a XXXX Account I have never been to XXXX  nor do I use XXXX as a phone company This account was opened in 2011. I have been trying to get this off my credit for years. Yes there is now a police report.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: I.C. System, Inc. (TX)

I filed a dispute in regards to the inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results...
Consumer complaint received 2018-10-30
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. (AZ)

My XXXX/XXXX Visa  Credit Card Account : XXXX, and my XXXX XXXX XXXX   XXXX Mastercard Credit Card Account : XXXX is lost/stolen. Theres fraudulent and unauthorized charges/transactions on the accounts thats not mine.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IN)

I have a problem Barclays XXXXXXXX XXXX credit card. They are charging me interest and late fees and I am sending the payment 15-16 days in advance. I have had this credit card for ten years and SUDDENLY this in an issue. I think they are indeed receiving it in time and just assessing fees at random.
Consumer complaint received 2021-06-29
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. (NY)

Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.
Consumer complaint received 2021-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (VA)

I received statements from The Swiss Colony company for the amount of {$60.00}. 
I never made a request to purchase ANYTHING from The Swiss Company. On Saturday XX/XX/2021 I called the company and explained. The Customer Service Rep told me he was going to close the account at my request and will waive any debt, because it was fraudulent. Today, I call to speak to a Supervisor because I received a threatening letter that stays the account will be send to collections. The Customer Service told me the account was still open and no credit was issued. This company is fraudulent and with this tactics they are threatening my livelihood and credit. 

The account was opened under " XXXX XXXX '' which is not my legal name. 

I demand they close the account immediately and waive all fees because I never ordered anything from their catalogue.
Consumer complaint received 2018-02-13
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. (MI)

I have spent the past year trying to resolve an issue that has been proven to Equifax that XXXX XXXX has knowingly refused to provide payment history for 3 years of a loan in order to keep negative information on report for more than law allows. 
After several attempts asking Equifax to to provide correct payment history ( or remove from report ) Which should show originally when the payments started being late in XX/XX/XXXX ) requests denied telling me to contact XXXX XXXX Disputes were done online and through telephone. 
Payment history missing shown below. XX/XX/XXXX - XX/XX/XXXX Missing. Equifax will not remove negative information because they say my negative information started in XX/XX/XXXX. 
XXXX XXXX has since updated report stating charge off and also added I made a payment in XX/XX/XXXX which is FALSE Today I spoke with Equifax ( several agents and someone named XXXX XXXX who claimed to be a Supervisor at XXXX XX/XX/XXXX) and stated the issue again. I was told they would not remove the negative information even though there is no payment history provided to prove the negative payments started in XX/XX/XXXX. Was told to contact XXXX XXXX myself and tell them to provide that information. I have also tried several times through the years for them to change from repossession to what it actually was. A Voluntary Surrender. 

Account Name XXXX Account # XXXX Date Opened XX/XX/XXXX Payment Status Bad debt & placed for collection & skip Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Original Balance $ XXXX  Monthly Payment Past Due Amount Highest Balance Terms M 69M Responsibility Individual Account Your Statement SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF Comments SETTLEMENT ACCEPTED ON THIS ACCOUNTPAID CHARGE OFF FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX XX/XX/XXXXFP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXXFP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX FP XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX FP No prior payment history shown on report from XX/XX/XXXX until XX/XX/XXXX to avoid  actual drop off date within 7 years. 
Nobody at that company will help
Consumer complaint received 2022-10-05
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. (CA)

On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I am disputing this account for inaccurate information because Equifax is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case. 
XXXX XXXX Account Number : XXXX XXXX. Equifax is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This account has been deleted from Equifax but somehow it is still being reported by XXXX. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If Equifax notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX  Account Number : XXXX XXXX. Provide me with the date of delinquency that the creditor has provided to you. I am of the belief that the date of delinquency is incorrect and needs to be removed if you can not provide it. 
XXXX XXXX Account Number : XXXX I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.