davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MN)

I write the Credit Burrow   50 times that no bank can verify me two Open a new Account and the Credit Burrow never responds two the fact that no bank will verify me two open a new Account. I applied fore 5 credit cards this week all declined.
3 years i cant open a new bank account all where declined but one and the Credit burrow respond there is nothing two Dispute on the report and I agree there is nothing two   dispute i have a  XXXX   Credit Score  and should be able  two Open and Account most anywhere. What I 'm disputing is the Credit Burrow made it so 100 bank applications where denied me in the last 3 years.       XXXX   XXXX   XXXX   XXXX  robed me  XXXX    XXXX    then fore 3 years i cant open a new Bank Account because no new bank will Verify me. I was denied new bank accounts at 75 banks.  XXXX   XXXX   wont take my Credit Cards I  wrote all  XXXX   Credit Burrows 50 times sending 3  Forms of ID and the Credit burrow never responds or Sends a Copy of my Credit Report.     The Credit Burrow says there is nothing I 'm Disputing in my Credit Report, I agree i have a  XXXX    Credit Score and should have no banking Problems.
What Im disputing with the Credit Burrow the Fraud alerts made it so i cant open a New bank account fore 3 years.
I Write the Credit Burrow that i was denied 50 bank Applications all say they cant Verify me and the Credit Burrow says there is no Dispute.
The Dispute is that i applied fore 5 credit Cards   this month all denied me
Consumer complaint received 2022-08-23
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)

Account Name : XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Consumer complaint received 2020-04-17
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: Risecredit, LLC (CA)

I have disputed account on my credit report held by : XXXX XXXX RISE CREDIT on several different occasions. Credit bureaus keeps sending back verification without information as to who they got information from within debt collection agency. They state they will not reinvestigate conflicting information on my credit report I disputed reporting information XX/XX/2019 and XX/XX/2019 Account is being double reported against laws FCRA. There is also conflicting reporting of balance owed. Account was also changed from paid in full to charge off status in XX/XX/2019. I was never sent a re-insertion letter from this status change.
Consumer complaint received 2022-09-27
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. (NY)

To : Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2022-07-31
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. (PA)

In accordance with the Fair Credit Reporting Act, XXXX, 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 2022-07-31
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: WELLS FARGO & COMPANY (NY)

On XX/XX/2020, WF BANK NA added a derogatory mark on my credit report per XXXX. Upon further research, this charge-off does not belong to me and should not be reported on my credit report. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, WF BANK NA violated my consumer rights, and I'm requesting legal action to remove this account immediately.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HOME BANCSHARES, INC. (TX)

Between XX/XX/XXXX and XXXX XXXX charged our account {$21000.00}. We contacted XXXX XXXX XXXX on the XXXX while many were still pending. We were told that the charges would be reversed and funds back in our account the next week. Yesterday, the bank said they could not do anything.
Consumer complaint received 2022-12-08
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I was on an interest only repayment plan for several months. When it ended, Navient called demanding a payment that was 5x what I was paying previously. I explained that I can not afford it due to cost of living. They told me to pay a certain amount to get my account caught up, so I did. Now they are claiming what I paid was not enough and my account is past due. When I explained that I paid what I was told, they told me it was the representatives error, and that I still have to make up the difference. Im not sure how its my responsibility to fix the reps error. I paid what I was told with the understanding that I would be caught up. Now the total I owe has gone up significantly past what I can afford. I tried to get back on the program I was on before, but the payment doubled and I cant afford it. They say there is nothing to be done. My interest rate is now 10 %, I will never pay these loans off. I owe more now than what I started with. That is criminal.
Consumer complaint received 2022-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (CA)

XXXX unauthorized charges from XXXX on my Apple Card in XXXX, {$1700.00} ( XXXX ), {$870.00} ( XXXX ), {$860.00} ( XXXX ), {$1600.00} ( XXXX ) and {$1300.00} ( XXXX ). I purchased something from this merchant before but not recently due to their overcharging and refusing to dispatch the orders correctly. When I first purchased from the merchant, they collected my Driver 's License photo and autography. I reached out to Goldman Sachs Bank USA disputed these unauthorized charges, the merchant then proved fraudulent information that is not from me to make the transactions valid. I believe my identity is stolen by the merchant to put in fraudulent transactions. I have no way to contact the merchant, my previous account was unable to retrieve. 

I called Goldman Sachs Bank and re-disputed the fraudulent charges again, but they require me to prove evidence that I never put in orders, otherwise, I have to pay these charges. I don't know how to prove something I never do for online shopping without a shipping address. I already filed XXXX  and XXXX XXXX against fraudulent charges, and also provide them to Goldman Sachs Bank. They still continue asking me to prove transactions that are not from me. They are not my orders, how come I would have records on those?
Consumer complaint received 2022-09-27
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. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.S.C. 1681. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX 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 consent. 

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-31
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. (IL)

In the dispute case XXXX, the creditor, XXXX Bank, confirmed the historical XX/XX/2022 balance. In the meantime, the creditor, XXXX Bank had also sent the current XX/XX/2022 balance to Equifax. 

Equifax incorrectly overwrote the current XX/XX/2022 balance with the historical XX/XX/2022 balance thus adversely affecting my credit. I am currently applying for a home loan and it is likely that this will result in a significant financial loss due to higher rates. 

When I discussed this Equifax supervisor, badge number XXXX, she refused to assist. This is a violation of my rights under FRCA. legal action.
Consumer complaint received 2022-12-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Statebridge Company (MD)

I am current on my first mortgage. I received foreclosure on a second loan that was from XXXX? I am on XXXX and have been sick and on medication for over XXXX years and I dont remember this happening. The last payment date was from XXXX. They are now threatening foreclosure for {$12000.00}. The company is Statebridge Company. Loan # XXXX. I have applied to the loss mitigation program and I was denied. I spoke with XXXX the account manager and asked why this is from XXXX? And requested information including the last payment date. I was told that the last payment was from XXXX. I asked why this is so old & he didnt know. He suggested I contact the loss mitigation department and I did. They wrote me back saying I was denied and still owed?? This is past the statute of limitations to collect. I have spoken to the trustees as well and they said to contact Statebridge. I have a foreclosure sale date of XX/XX/XXXX. Why can they bill me for something I dont remember and is past the statute of limitations to collect? Please help me!
Consumer complaint received 2022-07-31
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. (TN)

On XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX falsely reported to all 3 credit reporting bureaus that my account was charged off. They have on their recording that they promised me they would not send my account to any credit bureau because I am paying them regularly on time. Then, they sent a Deletion Letter on XX/XX/XXXX, but it has NOT been deleted off of my credit reports as of XX/XX/XXXX.
Consumer complaint received 2022-12-08
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. (RI)

REQUESTING REMOVAL OF ALL INACCURATE INFORMATION LISTED IN MY CREDIT REPORT BY THE CREDIT REPORTING AGENCIES, WHICH ARE A VIOLATION OF THE PRIVACY AND IDENTITY THEFT.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (AZ)

LexisNexis has incorrect information on me and my wife in their system which is causing me to be denied car insurance. They have us with XXXX  XXXX  on our records. We should only have " Not AT FAULT '' listings. Not at fault means that we did not cause the XXXX. Therefore this company is listing these XXXX incorrectly which is causing me to not be able to get insurance.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (CT)

I'm current with my mortgage and have no late payments. 

XX/XX/22 Received pay off quote from Arvest Central Mortgage Company for {$9400.00} Using same electronic payment method as always I submitted payment for the full amount. 
XX/XX/22 Electronic payment " In Processing '' date. XXXX contact me by phone to say that the payment method is now unacceptable. I'm informed that they are going to " kick '' the electronic transfer back. If I want to make the payment I am required to use a wire transfer or certified bank check. 
XX/XX/22 Instead of the payment being " kicked '' by XXXX, it is accepted. I contacted XXXX with my XXXX  XXXX XXXX customer service rep on the phone. XXXX customer service rep says they're very sorry and the money should be in my account today. They already kicked the transfer and it must be a problem on XXXX  XXXX XXXXXXXX XXXX end. They don't know what's wrong. The worst case scenario is that it will be back on my account on Monday. 
XX/XX/22 Contacted XXXX  and inform them that I still didn't have the money in my account and that they never actually kicked the electronic transfer. They accepted the payment but refuse to credit my account. I'm assured by their customer service representative that the full amount will be in my bank account by the end of business. 
XX/XX/22 My bank account shows the payment to XXXX as closed. I am still out my full pay off amount for the mortgage, but my account with XXXX has not been credited. 

Conclusion : 1. I'm current with my mortgage and have no late or missed payments. 
2. I paid the full pay off amount of my mortgage. 
3. The payment was accepted by XXXX. 
4. XXXX is refusing to credit my account, while saying they're going to refund me but have not. 

Please help. Thank you
Consumer complaint received 2022-09-27
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. (TN)

My name is XXXX XXXX, I'm attaching the letters I sent you last XX/XX/2022, including a copy of my ID for identity verification. I just checked my credit report and I learned that the items I requested for your company have not yet been removed and their status on my has not yet been updated, you seem to be ignoring me like other people I talked with and it's been over a month now. The FCRA requires the credit bureaus to investigate and respond to the letter within 30 days so this is obviously another violation of my right as a consumer.
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WI)

I have a promotional offer with a credit card, it is my understanding that all credit cards have this policy/rule/guideline. I have a balance transfer offer that I took advantage of, paid the transaction fee, and tried to pay prudently. 

XXXX XXXX at 0.99 % ; rate expires XX/XX/XXXX ; Balance around XXXX XXXX XXXX at 0.00 % ; rate expires XX/XX/XXXX ; Balance around XXXX I made a monthly payment around {$350.00}. So for the past XXXX - 12 months I have made an effort to pay off the XXXX XXXX so that I could have a XXXX balance come its expiration date. On XX/XX/XXXX, the rate increased to 19.49 %. 

However, it has been impossible for me to pay toward XXXX XXXX. Once my XXXX XXXX started ( likely XXXX XXXX ), the entire payment has gone to Balance Transfer # XXXX. I don't want it to go to # XXXX, I want it to go toward # XXXX. I CAN NOT DESIGNATE WHERE MY MONEY GOES. 

I have called twice over past 6 months to designate my payment to XXXX XXXX, but they can not put the payment toward that offer because there is a law? that requires the payment to go toward the balance with a higher interest rate. I asked the company ( Citibank ) to move the money due from # XXXX to # XXXX, but no, not without paying the transaction fee again. 

Clearly this Law? went into place to protect consumers, but they missed this caveat. So, as of XX/XX/XXXX - I have a XXXX balance on XXXX # XXXX, but my offer has 4 months remaining. I have my XXXX XXXX balance on XXXX # XXXX, now at an interest rate of 19 %.
Consumer complaint received 2022-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

My account was plased on a 10 day hold because somone claimed the money they sent me via XXXX  on XX/XX/XXXX was fraud so now the rest of my fund have been on hold for more then 10 days and no resolution on what would be done i have all the proof he sent it but that's not the case i have the rest of my funds on hold XXXX and no answer
Consumer complaint received 2022-07-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MO)

Upon starting my home buying process, I was told by the mortgage lender that I qualified for down payment assistance thru FHA, I was very happy to know this as I did not have funds for a down payment. Through the whole process of applying, signing docs and talking to my lender it was never disclosed to me that The Down Payment Assistance Program is a LOAN!!! Even at my closing when the title company was going over the closing docs she even quoted my monthly mortgage amount still no mention another loan not until I had moved into my home when one day in the mail a bill comes from a mortgage company i never heard of with a monthly bill amount, I was totally caught off guard, baffled, and confused, I immediately contacted the mortgage lender XXXX whom I obtained my mortgage he explained that yes this is my second mortgage. I just dont believe this is fair treatment to us as consumers to be treated like this, I had my payment of what I would be paying already planned out, I believe I should have known clearly that the down payment assistance is a LOAN
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (DC)

During the month of XX/XX/XXXX, Key Bank misapplied my payment to another individual 's account. When I inquired with Key Bank they said they did not receive my payment. I told Key Bank to check their records again because the money order ( attached ) was in fact cashed by Key Bank. Due to Key Bank not locating my payment they counted it as a late payment ( Key Bank reported that to the 3 credit bureaus ) and that caused a financial hardship at that time. Therefore, I had to make a double payment. I have called Key Bank on numerous/several occasions to get this resolved, but as of XX/XX/XXXX, nothing. Key Bank continues to give me the run around. I was referred to a representative name XXXX ( who has no supervisor per Key Bank employee name Trivia ) to work on resolving this issue. XXXX asked me to give her a week to find out the details. It has been a month and still no call from XXXX. I wrote to XXXX XXXX XXXX, Key Bank CEO, and again no response other than receiving my return receipt green card ( attached ) back. This is defamation of character and this has caused me to miss out on business opportunities because of the late payment Key Bank has placed on my credit report with all 3 credit bureaus. Key Bank needs to be held accountable for this, which has caused problems for me as the consumer.
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACS Education Services (PA)

XXXX continues to report XXXX has not reported the school loan information for XX/XX/XXXX through XX/XX/XXXX. This is a lie. Both XXXX and XXXX know the school loan was in deferment and the information has been reported to XXXX. I am being harassed by both XXXX and XXXX regarding my school loan data. My Credit report is required to be updated by XXXX and return my XXXX points. XXXX has had my school loans since XXXX. If another agency like, ACS is reporting false information I have the legal right to sue them for fraud and harassment too! NO payment of XXXX was paid on the loan and there have been no additional loans of XXXX or otherwise. There are XXXX loans in accordance with the XXXX, that were consolidated in XXXX, with the original loan value of XXXX. The original loan value is not XXXX that someone is reporting to XXXX XXXX XXXX account. I have not been eligible for federal school loans since my loan value reached XXXX and I had to withdraw from my PhD program, due to the cap of XXXX put on XXXX school loans by the XXXX XXXX in XXXX. I have been trying to resolve this issue for 2 years. Both XXXX and XXXX refuse to update the information on my credit report and with the Department of Education or find out who, which is looking like it maybe the former ACS now servicing school loans as XXXX. You will all be charged with harassment and fraud if you continue to refuse to correct the information on my credit report and on my XXXX XXXX XXXX account.
Consumer complaint received 2022-06-09
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. (NY)

After a XXXX previous investigation by CFPB XXXX FDIC XXXX XXXX XXXX XXXX XXXX XXXX Bank removed the late reporting from XX/XX/XXXX see letter of XX/XX/XXXX. Since that time, as of XX/XX/XXXX they maliciously reported XX/XX/XXXX being late on my XXXX XXXX and Equifax account. XX/XX/XXXX WAS NOT LATE AND HAS NEVER BEEN REPORTED LATE UNTIL NOW. This reporting has dropped my score, keeping me in a hotel unable to qualify for a mortgage, apartment or employment that would require a secure internet connection. These constant incorrect reporting 's are abusive mentally, financially and emotionally. I have employment and a home pending. This is emotionally, physically and financially abusive. I have become XXXX, not well and living in a hotel is draining my income. This has altered my life!