davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-20
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)

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$1200.00} / XX/XX/2022 XXXX XXXX/ {$150.00} / XX/XX/2022
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2017-10-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Risecredit, LLC (TX)

on XX/XX/XXXX They contacted me 3 times and on the third time I asked them to not call me repeatedly while I was working. The individual told me that they had no control over the calls and that it was automated and they can only leave me a message on the 3rd time they call. I have asked multiple times they call me after XXXX and still they call me any time between XXXX and XXXX multiple times a day.
Consumer complaint received 2022-09-14
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. (TX)

Hello, I have began going through the journey of identity theft with all 3 credit bureau 's. I have provided police reports, affidavits, statements all notarized and they have continuously reported inaccuracies on my report. There is a XXXX XXXX XXXX that appeared on my credit report around XX/XX/2020. I reached out to the credit bureaus and filed an FTC report that still wasn't good enough. I have been reviewing my credit reports regularly. I have found several errors in the following account ; XXXX XXXX XXXX  Account Number : XXXX. I have disputed this account previously and every time I dispute with all 3 credit bureau 's and they continuously report negative information about me which is inaccurate, unverifiable, invalid and questionable that the credit bureaus didn't make sure the information was 100 % accurate. Which violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. Currently, of which all three credit bureaus are reporting three different reporting dates and the last active dates. As you are aware there can only be one reporting date and the last active date. If in fact this was a repo or a charged-off account. How can there be a recent default in the payment if this account was reported as a repo in XX/XX/2020 but the payment history reflects no history on XXXX, XXXX shows charge-off began XX/XX/2020 and Equifax shows XX/XX/2020? None of these are consistent. This tells me that these accounts have not been properly verified or the credit bureaus have been lying about verifying these accounts and they must be deleted immediately. These inaccuracies from the credit agencies are clearly in violation of the FCRA Under 15 U.S. Code 1681e ( b ) Accuracy of Report. If any information or items disputed by a consumer ( me ), 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 that item immediately. The credit reports prove that this information is inaccurate and incomplete. Please remove these items from my reports. Once complete please provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the account and all listed information immediately. Thanks for your help with this matter.
Consumer complaint received 2022-11-08
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: JPMORGAN CHASE & CO. (MA)

XX/XX/2022 CHASE Bank XXXX XXXX XXXX XXXX, DE XXXX To Whom it may Concern : I didn't need or want your credit you coerced me into applying, by offering me a special deal offering to save $ 80+ on my current purchase that felt hard to refuse all the while interrupting my shopping experience, who is going to stop and read policy while they are already busy and the offer only takes 30 seconds to check, but took XXXX points off my credit score, I didn't even realize it was a bank until after I clicked the pop up to see what would come of it. 

I do not overextend myself on anything and my credit has been cultivated and stable for years and affected by this. I will be putting a blanket complaint to, XXXX, and whoever else I think should see this tricky tactic and sending this letter as well as the ridiculous letter refusing me your unwanted/ unneeded credit to all of them. My purchase was paid in full at the time of purchase. 

How many other people have you tricked? 


XXXX XXXX XX/XX/2022 To Whom it May Concern : I feel it's necessary to report these unethical tactics, used by CHASE Bank, I feel I was coerced, and was not actively seeking credit from them or any bank, I am glad they refused me because I am working on my current debt and not on the lookout for more, I am proud of how I have maintained my good credit for the past 6+ years and I think the capitalistic tactics of lenders preying on vulnerable incomed people is outrageous. 

I hope you take this complaint seriously and try finding ways to protect consumers from this predatory behavior. 

Thank you, XXXX XXXX
Consumer complaint received 2023-03-28
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Certegy Holdings, LLC (TN)

Certegy check services XXXX $ check denied XX/XX/XXXX Cashed a couple before it. Denied cashing a XXXX $ check onXXXX. mailed off for my consumer disclosure report and it came back empty. So why was I turned down?
Consumer complaint received 2022-09-14
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)

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX, DeptedXXXXXXXX, DeptedXXXX, DeptedXXXX DeptedXXXX DeptedXXXX I am a natural person, I am a living human being, I have right under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of time. I demand the accounts listed be remove because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2020-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Company of Kenosha & Racine, Inc (MI)

On XX/XX/XXXX, I sent a letter to XXXX XXXX requesting VALIDATION of the alleged debt. Per the FDCPA, 15 USC 1692g 809 ( b ). the company had 30-dayXXXX by law to respond. The company failed to respond or validate this alleged debt thus making it uncollectable. 

On XX/XX/XXXX, another letter was sent to XXXX XXXX notifying them that they had failed to validate the alleged debt. Making it uncollectable. 

On XX/XX/XXXX, a letter was written to Oliver Adjustment Company , Inc. in response to a notice from them attempting to collect on the alleged debt regarding XXXX XXXX. This letter detailed that XXXX XXXX failed to validate the alleged debt thus making it uncollectable under the FDCPA, 15 USC 1692g 809 ( b ). 

On XX/XX/XXXX, another letter from Oliver Adjustment Company , Inc. was received. This letter stated that Oliver Adjustment Company , Inc. has done an " investigation '' and found that I am the correct consumer. This is not only biased but also self-serving since they are attempting to collect upon this now invalidated alleged debt. And does nothing to validate the alleged debt. 

Another letter from me to Oliver Adjustment Company , Inc.,  dated XX/XX/XXXX, was sent via first-class mail. In this letter it was stated for them to cease and desist collection activities regarding the alleged invalidated debt. It further stated my intention to file complaints with the CFPB and my states attorney general 's office. Further notification was given that suit could be filed for harassment and harm. 

I implore the CFPB to take actions against XXXX XXXX and Oliver Adjustment Company , Inc. for violations of the FDCPA, 15 USC 1692g 809 ( b ). Their continued efforts and harassment to collect upon an alleged debt, that was afford every opportunity to validate ( and failed to do so ) is  damaging to my good name, my character, my reputation and has brought both emotional and physical harm.
Consumer complaint received 2022-11-08
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. (CO)

i contacted the companies regarding false information on my account and it wasn't properly reviewed by credit bureaus. so, I took it Apon, myself to search laws regarding this here are a few that was found and need to be followed by them. My address is still wrong on all of the bureaus. all violations on credit reports are attached. also is an attachment from FTC 15 U.S. Code 1681n - Civil liability for willful noncompliance ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; 15 U.S. Code 1681s - Administrative enforcement ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

Grievance Notice under Clause 20 of the Mortgage & 12 C.F.R. 1024.35 XXXX Loan # XXXX # 1-There is an auction on my property XX/XX/XXXX @ XXXX XXXX XXXX Supreme Court # 2 Wells $ XXXX-I recently found that the Mortgage with Wells Fargo did not have a legal/property/tax-description or tax map information only an address thus making it a void instrument thus making the judgment of foreclosure void which does not allow them to proceed with the auction or any other recourse. Document date XX/XX/XXXX recorded XX/XX/XXXX ( attached is also a copy of the mortgage with my signature and notarys proper signature that matches the samples I attached in # 5 ). Recorded mortgage states my home is a 2 family it is actually a 1 Family. 
# 3 XXXX $ 313000-also does not have legal/property/tax-description or tax map information only an address thus making it a void instrument also. There is a blank paper with a stamp So in Original various times. Document date XX/XX/XXXX recorded XX/XX/XXXX # 4 XXXX XXXX XXXXwas the notary on both files and was incompetent to the point because of his incompetence they also forged my signature on the Wells Fargo Mortgage {$320000.00}. I would think that he lost the Wells file and then noticed that he didnt record the XXXX file so or the investor signed my name on the Wells file. 
# 5 XXXX- samples of signatures from State and court cases (  he is also an attorney ) they are different from the signatures on the mortgages. They dont match at all. I believe someone was signing for him # 5 Deed with the proper legal description XX/XX/XXXX # 6 Samples of my signatures during XXXX # 7 Notes # 8 Limited Power of Attorney naming XXXX XXXX -I had been in the mortgage industry prior to this foreclosure action ( I had a massive XXXX ) for approximately 20+ years as an FHA Underwriter and a loan originator. In my training I know what a Legal Name is. If you look at the mortgage with my proper signature you will find I inserted my middle initial A where needed. In the XXXX XXXX loan, it was done beforehand. Also, that if you sign in the wrong place it could void any legal document. 
-The attorneys involved have submitted to the courts documents that are of a Fraud and Forged documents that they and the banks knew of beforehand but completely ignored to proceed with this foreclosure. 
-I plan litigation under the following thus far ; 1 ) 18 USC 1341 : Mail Frauds and Swindles 2 ) New York Penal Law Article 170 : Forgery 3 ) Notary Fraud 4 ) NRS 357- Submission of False Claims to State or Local Government 5 ) Quiet Title Action 6 ) Fraud upon the Court for Perjury by Attorney for the Plaintiff And any other legal means that will be available to me to protect my home.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Please see attached credit card statement that was paid in full XXXX. Amount due was XXXX and XXXX paid was XXXX. Today, I received another bill for interest for XXXX. When speaking to XXXX at Capital One, who refused to give me his last name, after quoting me rate and terms, he said the charges are for interest from XXXX XXXX. So basically, if they can continue to charge you interest on interest, basically, you can never then fully pay the account in full. 

I asked them if they were regulated under the CFPB and they also would not answer my question. They have refused to reverse the charge and now transferred me to XXXX XXXX. 

Is it legal to charge interest on interest?
Consumer complaint received 2017-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I notified XXXX XXXX concerning a medical bill which was Deleted by Transunion in XXXX/2017. In which they were unable to provide a Valid reason for collecting a medical bill with XXXX XXXX XXXX. I had No knowledge of as of today I have not received any response from this company with information concerning this Medical bill. Ive spoken with the Supervisor XXXX in special handling department this morning with Trans Union in which he was very rude to me about it I informed him that I have all my paper work and he said I will have to continue to contact the Collection Agency
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CT)

During the first week of XXXX, I contacted Great Lakes to request the funds I paid during the Covid-19 payment freeze be refunded. They told me my request would be " honored '' and would take " up to 45 days '' to process. After 45 days had come and gone, I followed-up and received the below response. They never notified me of any change to the 45 day window I was provided and now they are playing games.

They are also claiming I have a balance for a loan I paid IN FULL because they have processed the refund in their system, but are holding back the money. So it now appears I have a balance, even though they didn't actually refund the money. 

Hi XXXX, Thank you for your email. 

We are now waiting for the U.S. Department of Treasury to approve the refund requests before funds can be issued back to the remitter of the payment. We appreciate your patience while our Payment Processing Team works diligently to process your refund request. Due to the high volume of refund requests, we can not provide a time frame for when you will receive your refund. 

If you have additional questions or concerns, please do not hesitate to contact us. 



Sincerely, XXXX XXXX XXXX Great Lakes Educational Loan Services , Inc .
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I never filed these bankruptcys please have them send or show proof that this is mine which is not but a mistaken identity. My name I think was used a mistaken identity my name is XXXX XXXX XXXX which is on my certificate of birth. 

Not ( XXXX ) Please have them remove this incorrect information that is causing me financial problems. There is already a inflation and this is not helping.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXP ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$260.00}
Consumer complaint received 2017-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (NJ)

Within the years of XX/XX/XXXX and XX/XX/XXXX, I submitted a request to be placed in forbearance and or deferment because of my XXXX STUDENT STATUS. 

The request was received and therefore approved because of the acceptable documentation.
Consumer complaint received 2022-10-29
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. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1631 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 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: LEXISNEXIS (CA)

On XXXX I ordered my Lexis Nexis consumer report on the internet and was denied a copy. Lexis Nexis is refusing to send me a copy of my report.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CO)

I was given four Visa VanillaGift cards as a gift from a client in XXXX of 2022. XXXX of the cards were fine. When I checked the balance of the other card on the VanillaGift website in XXXX of 2022, I discovered that a transaction for the full amount of the card occurred in XX/XX/2022 and that the card had a XXXX balance. I did not remove the card from the cardboard packaging until XXXX and had not used the card before that time. I assume that someone had fraudulently used the card. I called the VanillaGift customer service number on the back of the card and was told to file a dispute. I filed the dispute on XX/XX/XXXX. I called customer service several times for a progress report and was told it would take up to 90 days to resolve the dispute. 

On XX/XX/XXXX, I received a letter from lncomm by email stating that the card was used on premises at XXXX and that Incomm considered the dispute to be final and resolved. Again, I did not use the card and it had a XXXX balance when I checked it on VanillaGift 's website when I removed it from the packing in XXXX. 

On XXXX XXXX, I sent an email to lncomm objecting to their resolution of the dispute and asking for documentation showing that the card was used on premises at a merchant. I called VanillaGift customer service on XXXX XXXX seeking an update. I was told I would receive an email from lncomm within 24 hours. Having not received an email, I called customer service again on XXXX XXXX. I was told by the agent that the matter was final and that I had to contact the merchant to pursue the issue. I do not believe it should be my responsibility to resolve the issue with XXXX. 

I asked to speak to a XXXX and was on hold for more than XXXX minutes and then the call disconnected. This was not an unusual occurrence. Each time I called VanillaGift customer service regarding this dispute, the hold times are at least XXXX minutes and several times I was disconnected after holding for more than XXXX minutes. 

I've been getting the run around from lncomm and VanillaGift for 3 months and there is no sign that I will get a satisfactory resolution.