davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (VA)

Refinance loan application got declined. 
1. I have excellent credit. 
2. New payment is going to more than the current loan I have. 
3. Mentioned that my loan to income ratio was supposed to be less than or equal to XXXX % but told that it was coming out to be XXXX %. When asked for the basis and calculations, none are provided. 
4. Asked to bring {$7500.00} more to the table, in the lines of origination fee. When I said, i would not, the loan got declined.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

In accordance with the Fair Credit Reporting act XXXX  Account EQUIFAX reporting XXXX  Account # XXXX Bal Date XX/XX/22 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 2022-08-25
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)

Hey my name is XXXX XXXX XXXX and i have tried many times to rectify this issue with EQUIFAX. At this point i feel that i have been taken advantage of and treated unfairly. I have sent many dispute and this company just fail to follow the law and properly investigate this matter. these negative items on my consumer report has made it extremely difficult for me to obtain any type of credit.b I am hoping we can rectify this issue and remove the fraudulent items from my consumer report
Consumer complaint received 2020-04-22
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. (KY)

This account was originally opened with a co-applicant my daughter to purchase her a vehicle. However shes filed bankruptcy and now its been closed on all 3 credit report agencies as a closed account with XXXX dollar balance however it is still showing up on mine as active even though the account is actually closed now per her attorney. The account was actually closed on XX/XX/2020. Please help me with getting this removed from my 3 credit agencies
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have reached out to Equifax and also to the collector XXXX regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.
Consumer complaint received 2020-04-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: DISCOVER BANK (CO)

Contacted Discover Student Loans multiple times in an attempt to reduce the interest rate, loan consolidation, or income based repayment plan. Most recently tried this again on XX/XX/20. Told that the amount of Student Loan debt was too high. Told that the degree received did not meet the criteria to consolidate the loan or reduce the interest. 

Discussed Governor XXXX 's COVID-19 Student Loan initiatives and went through the minimum guidelines for Private Student Loans. Discover was unwilling to adhere to the minimum guidelines : Providing a minimum of 90 days of forbearance Waiving late payment fees Ensuring that no borrower is subject to negative credit reporting Ceasing debt collection lawsuits for 90 days Working with borrower to enroll them in other borrower assistance programs, such as income based repayment. 
THERE ARE 3 LOANS WITH DISCOVER.
Consumer complaint received 2022-08-04
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. (NE)

Equifax is still reporting inaccurate information on my credit profile. i have submitted factual based information with the accuracy reporting on said accounts and they still have not removed these accounts. All accounts come back verified as belonging to me yet no investigation was completed on Equifax end. I demand Equifax to do a complete investigation on these accounts and to verify that they are 100 percent accurate and belong to me. my credit report has many inaccurate reporting items from Equifax on such said accounts. 

XXXX XXXX # XXXX ( date of last activity inaccurate ) XXXX XXXX ' XXXX # XXXX ( date of last activity inaccurate ) XXXX  XXXX # XXXX ( date of last activity inaccurate ) I have included my 3 Bureau report with this complaint outlining the inaccurate reporting.
Consumer complaint received 2022-10-03
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. (SC)

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 2022-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CT)

Hello, For over a year now, I have been trying to trace a check or international wire transfer, coming from XXXX to my US Wells Fargo account between Fall XXXX XX/XX/2006, for an amount between {$10000.00} and {$15000.00}. 
I have filed 3 inquiries with Wells Fargo. None were followed trough or resolved.

I understand an archival search, for which I am ready to pay for, is necessary. But I can not get Wells Fargo to do it.

Can you help, please?

Looking forward to your reply.

Thank you.

Regards
Consumer complaint received 2018-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (FL)

Today with a credit balance due me on my account of {$39.00}, I directed in writing that Barclaycard send me that balance and close the account. They've closed the account but REPEATEDLY AND EVASIVELY refused to state that they've sent me my {$39.00}. ( I closed the account because Barclaycard has the worst customer service of any credit card I've ever had and this issue is typical. )
Consumer complaint received 2020-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

XXXX customer service lacks integrity. The company really only understand money. On XX/XX/2018 a phone service was issued in my name by XXXX. Upon noticing the bill over a month later. I called them trying to find out what I supposedly had ordered and tried to shut it down. What I encountered was a ridiculous policy that does not allow customers to access their account if they don't know pertinent information. I did not know the information that XXXX needed besides my social and account number listed on statement. They needed passwords and the numbers off of products they supposedly sent me. I did not have possession of those items therefor I could speak on behalf of that account. I tried again by speaking to someone else and I was told that if I take my identification into the store I could be assisted with the account issue. I visited XXXX XXXX XXXX store in XXXX NJ. I encountered the same issue. I was told that the items sent to me had to be set up and therefore link to my identification, it was some sort of foolishness that didn't make much sense to me. The teal issue was that I did not have time to deal with this because I was working to full time jobs. I had no time to really spare to resolve the issue. Once I had time again I was told by a XXXX representative that I would be sent an identity theft form to take to a law enforcement office nearest me. I absolutely did not have time for this. It was their own policy that did not allow me the due diligence to properly understand why I had a bill summery coming in my name to my address. I wanted to know what identity was used to open an account with them and also where was my signature on a signed document. To this date I have not seen validity or verification from XXXX nor I C Systems Inc. The final bill summery from XXXX had a total charge of {$210.00}. Naturally, after I refused to pay, XXXX   eventually turned the bill into a collector. That collector, I C System Inc. put the negative, erroneous information on both XXXX XXXX and XXXX  credit reports. Yes, I did not answer I C Systems attempts to collect the debt. One reason is their unfair debt collecting practice. I immediately noticed that they were asking me to pay a higher amount then XXXX posed that I owed them. Their collection amount is {$260.00} that you can see in the attachment. In the state of NJ it is illegal to collect any amount greater than the debt. Enclosed you will also see the last billing amount from XXXX but the copy is in bad shape ( please excuse. )
Consumer complaint received 2022-08-04
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)

I, a Consumer, have been a victim of the Equifax data breach, and have been recently affected by the false and inaccurate information on my credit report. Pursuant to 15 U.S. Code 1681 ( b ) I demand that my consumer report accurately reflect proper information. I have previously disputed the inaccurate accounts reported by Equifax in collections as of XX/XX/2022 from XXXX XXXX XXXX in the amount of {$1600.00} and XXXX XXXX XXXX in the amount of {$800.00} which are also reported as closed but have not been removed and are still reflected on my consumer credit report. There are two inaccurate charged off accounts with XXXX XXXX XXXX in the amount of {$800.00} and XXXX XXXX in the amount of {$570.00} reflecting which I have also previously disputed with Equifax. There are also inaccurate addresses reflecting that I did not consent to. These inaccurate reports have been damaging to my reputation and confidence as a Consumer. Equifax has failed to exercise their grave responsibilities in assembling and evaluating consumer credit and other information on consumers with fairness, impartiality, and a respect for the consumers right to privacy. There are numerous soft inquiries inaccurately reported that I did not give Equifax permission to furnish on my report and directly violates my right to privacy.
Consumer complaint received 2020-04-22
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. (MD)

Hello all 3 of the credit bureaus have been incorrectly reporting, and denying me investigations into late payments that are on my credit report. I have made all payments on time. The two accounts are XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX. See attached photo. These companies are in bed with each other, and are damaging consumers. I have paid all on time. I paid on time even though XXXX XXXX XXXX XXXX  has made it clear that it is not interested in banking for African Americans including safe deposit boxes and accurate credit reporting. I believe they are all doing this to hurt African Americans. XXXX XXXX XXXX XXXX  and the credit bureaus are XXXX.
Consumer complaint received 2020-04-22
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)

Equifax did not fix error on my consumer credit report. XXXX  XXXX XXXX XXXX still appears on my Equifax report even though I identify multiple violations of FCRA rules Including ; reporting negative remarks in payment history after account has been closed or charged off. A violation of fcra rules, even though identified to Equifax that last date of payment was in XXXX of 2012. Equifax currently reports no date of last payment, a violation of FCRA rules section XXXX.
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TCF NATIONAL BANK (WI)

On XX/XX/2019my sister and I went to a nail shop on XXXX and XXXX and got our nails done our nail tech who we went to regularly asked if we wanted a pedicure and we said no, because we didn't have time. So she told me that for my fill it would be {$25.00} and I tipped her {$5.00} like I would normally do. 
When I checked my balance 2 days later I had a {$55.00} charge on my account from the nail shop and a {$37.00} overdraft fee from TCF. I immediately called XXXX, the nail tech and asked her why she overcharged me and she stated that she didn't do XXXX. and told me to bring in my bank statement and show it to the owners. When I did they were very XXXX to me and said that I had no money in my account and began to speak in there language and threw my statement back at me. 
So I notified my banks fraud department and they returned my money pending an investigation. I gave them my original debited receipt with my complaint form 3 times and I only found out the results after I had to keep calling customer service finally they sent me a hard copy stating that they believed that I received the services so they were going to be taking the money back out of my account and the fees stand. 
My question was did you call my witness and did they ask for a copy of the original register tape from the debit machine that matched my copy, no response just sorry mama I ask to speak to a supervisor and I wrote a complaint no answer they just kept adding overdraft fees until my account was closed. One month I had {$490.00} in overdraft fees. 
I'm on XXXX and I can't afford a loss like this. The letter was a fraud they sent in with my signature and it did not match my receipt is there Anything else I can do Sincerely XXXX XXXX XXXX
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Neon Newco Corporation (NE)

Hello, I have a NetSpend prepaid Mastercard debit card which I used to get my prior year tax refunds direct deposited into. I received a letter from the IRS that the {$1200.00} Economic Impact Payment was ready to be deposited into my account on XX/XX/20. It's now the XXXX, 7 days later, and I still have no word from NetSpend that the money was deposited. I've called them and checked my online account with them daily ; but it hasn't done any good. Surely they can't just keep my money can they? Why won't they acknowledge that the money arrived? The letter from the IRS shows the last 4 digits of my NetSpend account number. 
I hope you can help me. Thank you.
Consumer complaint received 2020-06-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (NC)

XX/XX/XXXX I was disputing mistakes on credit report due missed payments due to life Financial hardship of losing my mother in XXXX ... I have been making improvements on making on time payments but they refuse to delete my missed payments that went into delinquent payments ...
Consumer complaint received 2020-04-22
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)

I have inquiries that I did not permit and they have not replied to my request for an investigation. 




By not replying in a timely manner to my initial letter on XX/XX/2020 you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communication with you for the purpose of filling a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of my alleged contract or other instrument bearing my signature may result in small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623- b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My Contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organization below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

I may be subject to identity theft, and I suspect my social security number is being used in fraudulent activities. 
Early XXXX a credit card from a retailer called XXXX XXXX XXXX XXXX ) was issued to me without me applying for it. On XX/XX/XXXX, I received an email saying that a credit card from a retailer called Wayfair ( Citi Bank ) was approved, without me applying for it. 
I called both banks to report fraudulent activity on my behalf, and they closed the credit card accounts. I talked to the Citi Bank identity theft department, and they connected me to XXXX in order to set up fraud alert. I placed a freeze to my credit the credit bureau over the past couple of days. 
Both store cards had made purchases ( that did not deliver, or is not going to deliver ), to the following address : XXXX XXXX XXXX. XXXX XXXX, Maryland XXXX. It seems that somebody at this address is using my financial information to open store credit cards and making purchases of small kitchen appliances.
Consumer complaint received 2020-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

This complaint is against Macys. I bought a few things from Macys on Macys card # ending in XXXX. Later, I returned most of the items but made the payment for the purchases as well. Last payment was made in XX/XX/2019 which cleared the dues. But Macys is constantly charging late fee and interest charges since XX/XX/2019. Id really appreciate if u could help me resolve this case.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc (PA)

Last month received a credit card application for XXXX XXXX from Chime. My information has been on the web and had the same problem with XXXX. I tried to call Chime but could not get anyone. They said need to respond by email. After several emails explaining the situation Chime has not taken any action. Got so frustrated I went to the XXXX  and had them work with Chime. Still no action by Chime. 

Every email Chime asks for something else which I have sent to them. 

I already opened a police report with the City of XXXX. They said you can freeze your credit. I said it is frozen. XXXX Police responded " they issued a credit card and your credit is frozen ''. 

I have also sent a copy of my drivers license and a picture of me holding my drivers license signed and dated.
Consumer complaint received 2018-05-31
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. (PR)

Regarding my last complaint # XXXX against EQUIFAX .The company continues to report inaccurate information in my credit report that does not finally DELETE XXXX from my EQUIFAX credit report. They removed that account from my report but put it back again ( see attached copy from XXXX XXXX site ) Clearly it is seen that they are not seriously checking the information to finally delete the XXXX account from my credit report.