davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-11
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. (NC)

Equifax displaying a old XXXX XXXX I account information incorrect and account should be remove. Says I 'm 30 days late when account has been closed for years and account was paid as agreed. Also says monthly payment was {$72.00} which is completely inaccurate. My payment was never ever {$72.00} and I never made a payment of {$72.00}, This account has several inaccuracies and should be removed. Equifax refuses to correct or verify account. They also have n't sent me information on verification of account with XXXX XXXX which I asked for.
Consumer complaint received 2017-08-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (NJ)

-On XX/XX/XXXX, I prepaid the auto loan for a year in advance from XX/XX/XXXX through XX/XX/XXXX. Payments are {$200.00} per month and I sent {$2400.00}. I sent a written letter with a copy of my statement, to the loan servicing department per the monthly statement loan servicing instructions, with specific instructions my funds were to be applied to the 12 monthly advance payments. -This is the same procedure I followed last year without issue. -This Lender misappropriated my payments and applied my funds to 3 advance payments and the balance to principal reduction without my consent. -They have now put me in the position of having to make 9 additional payments next year, expose me to late charges, damage to my credit and risk of repossession of my automobile if these payments are not made. -I have called the Lender twice with a promise that the Lender would get back to me. The Lender has failed to contact me after a reasonable time has gone by. -When I did call the Lender, I was advised that the Lender 's computer system no longer allows more than 3 months payments in advance. This is totally unacceptable. With the vast capabilities of computers, the inability to accept payments in advance is unreasonable and against consumers ' interests. Further, this Lender was able to accept payments a year in advance the prior year without issue. -This Lender has misappropriated my funds without my consent and has failed to follow-up with me to rectify this problem. -The consumer should not be in the position of having to chase the Lender to rectify a problem caused by the Lender.
Consumer complaint received 2020-05-21
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (MD)

I received a {$74.00} collection on a utility on XX/XX/2018 that was paid in a result of selling an investment property I own. The utility bill was directly paid to the utility company paid and I received a collections after the house was no longer own by me. I didn't receive a letter nor a phone call regarding this collection. I called the utility company and they said the bill is paid.
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX CARD, US DEPT OF ED/XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2020-05-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL (NM)

Paypal and Paypal Credit post date and misrepresent the status of my transactions making it impossible to know my current balance and payoff amount so that I may pay off my balance to zero. Transactions are post dated and changed back to pending status after full balance has been paid to zero. I feel held in perpetual debt, continuing to accrue interest charges. I simply can not manage to pay off the full balance nor understand what amount is still owed. Do not understand why full balance payment of all current purchases fails bring balance to zero. Continue to receive new unidentified charges added to my balance that Paypal Credit can not explain or provides invalid explanation.
Consumer complaint received 2020-12-10
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: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/XXXX I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX XXXX This is my only number XXXX All other telephone numbers are not accurate
Consumer complaint received 2021-11-27
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. (CA)

Under 15 U.S. Code 1681 ( b ) Permissible purposes of consumer reports I never gave your company any written consent to report anything on my consumer reports no consent is identity theft Under 15 U.S. Code 1681 ( a ) ( 2 ) ( b ) Exclusions from a consumer report. This account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used for tranaction
Consumer complaint received 2020-09-05
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. (MS)

i sent Equifax 3 different letters dealing with negative items that on my report on XXXX THAT are inaccurate and incomplete and should be remove as such.I have attached the 3 copies below for further viewing and assistance.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WA)

I purchased furniture from Macys and they gave me {$2500.00} credit limit on XX/XX/XXXX. I was making my regular monthly payments and most months double the monthly payment. I was in good standing and abiding to my credit agreement. Without notice they lowered my credit limit to {$2100.00} which put my account in over the balance. As of XX/XX/XXXX my outstanding balance on account is {$2600.00} and that's after making payments that have increased from {$24.00} per month to {$100.00} per month. I called to talk to customer service and they said they just randomly checked my credit in XX/XX/XXXX and my credit score had dropped. I had just bought a new car at that time. They were not willing to reinstate my credit limit and basically extorting all the previous payments I have made towards the balance on this account for the past 16 months and then some with interest and late fees. Macy 's is ruining my credit. This can't be legal. I have never had a credit card company lower my credit limit to purposely cause my account to go into over credit limit so they can get more money with late charges and fees!
Consumer complaint received 2020-07-03
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: FIRSTBANK (CO)

I opened a checking account with First Bank in XXXX. In XXXX I made a transaction that First Bank paid which caused my account to become overdrawn. At the time, I was a struggling college student, and since this incident I have become extremely aware of how important it is to manage the balances of my accounts responsibly. First Bank decided to close my account before I was able to deposit the funds which would have covered the transaction. Years later, I am preparing to purchase my first home, and I find something on my credit report from First Bank from XXXX. I have shredded all paperwork associated with First Bank since they left me 'high and dry ' with no place to hold my student loan funds etc. and am now very happy with XXXX XXXX. I have no record or memory of opening a " line of credit '' with them at any point during this period or during my lifetime. I wrote to First Bank several times and they only replied with " nothing we can do. '' I finally spoke to XXXX over there, and she let me know that in fact, I would not have any documentation for this account because I never opened this account and that they simply did this to skirt the XXXX XXXX process ( and essentially give me a harsher and longer punishment ). XXXX is going to try and help me by talking to her boss ( she was very helpful and understanding ), although when I explained how unethical this sounds all she said was, " I know, I have no words ... '' This behavior should not be tolerated by banks - I feel like this could be considered identity theft since First Bank opened the " line of credit '' account without my knowledge AND without providing any information about it to me even after they did. I have spent HOURS trying to get a straight answer from representatives over there because not only is the account closed, and extremely old, but also ILLEGITIMATE. I'm not sure if XXXX will be able to help me by removing the adverse account status from my credit report as she is also the one who sent me the " sorry not sorry '' letters, but either way I feel like this behavior should be something that is brought to the attention of the CFPB and I really hope that it is investigated further. I know that the CFPB would like supporting documents but unfortunately I do not have any - and I doubt First Bank does either since this account shouldn't exist - and it was 8 years ago I've shredded anything associated with it since I confirmed since then that were no adverse accounts on XXXX XXXX ( I didn't know to check credit bureaus since I didn't know I had this 'line of credit ' ).
Consumer complaint received 2019-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY (MD)

WELLS FARGO BANK took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Consumer complaint received 2020-09-05
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: EQUIFAX, INC. (TX)

On XX/XX/2020 I received a phone call from a car dealership regarding a purchase of a vehicle. I informed the dealer that I had not been to their dealership and was not in the market for a car. I also received alerts from Equifax Complete which is a credit monitoring service I subscribe to. I contacted Equifax and requested a Fraud Alert and to have my credit file locked. In all 4 Hard Credit Inquiries were generated to Equifax in this fraudulent activity. I again contacted Equifax by phone and advised them that we had several vehicle burglaries in my neighborhood to include my vehicle. Personal information was exposed. I was told by Equifax to file a police report regarding the identify theft and forward the report to them along with a dispute for the 4 fraudulent. I did exactly that. I received a response from Equifax that stated " Inquiries are a factual record of file access '' and they refused to remove the fraudulent inquiries. I again contacted Equifax by phone and was then told that I needed to file a FTC Fraud Report. I attempted to do so, but FTC does not take a report in cases where an account was not opened. 

Bottom line is, I did not apply for credit. The 4 inquiries are hurting my credit score which is making me once again a victim.
Consumer complaint received 2020-09-05
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. (TX)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports/. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.
Consumer complaint received 2020-05-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I have filed a number of complaints and documents with the Regional VA Home Loan Office in St Paul Minn regarding the unscrupulous manner which my prior lender made a claim on my Eligibility. 
I have sent documentation to this office regarding a XXXX XXXX in 2019 for a house that I had on the market and was making on time payments with the prior lender. 
This lender, XXXX, filed for bankruptcy and I was notified by Nation Star bank and its sub, Mr Cooper, that I should stop payments and they would purchase the house with a XXXX and issue a contract that all present and future claims will be satisfied. 
This they did and took title to the property in XXXX, XXXX however, they still filed a claim on my eligibility. 
I informed the Regional office and sent them copies of all the documents and they had their legal department review them. They came back and informed me that their legal department could not do anything even though they concurred that Mr Cooper misrepresented themselves and broke the contract. 

I am a XXXX XXXX XXXX XXXX, XXXX veteran entitled to the XXXX XXXX XXXX XXXX but I can not obtain a mortgage because I need a Down Payment with a non-VA loan. 

This is unfair and unjust. I can not find an accessible home and purchase it due to the VA not willing to re-instate my eligibility. 

I am certain that I am not the only veteran in this situation, and our Government must rectify this illogical policy. 

Thank you
Consumer complaint received 2021-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

Hyundai has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction. The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. The original signed contact from the original creditor.
Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (VA)

I received a fraud alert from Synchrony Bank for my TJXRewards MasterCard, showing that someone used my card on Amazon. I contacted the fraud line to cancel my card. I asked if there was a data breach bc I never use this card ( I opened the account several years ago to get the % discount off a large purchase at the time ). There is no other way for someone to have accessed this cards info except for two places : 1-the TJMaxx store database or 2-the Synchrony Bank database. There has been no notification of a breach as of XX/XX/2020, the date I am writing this and the same date I received the fraud alert via text message. If there is a larger breach, the company needs to release that information to the card holders and its phone operators as to be fully transparent. This has happened before with TJX, so its quite possible they have been attacked again.
Consumer complaint received 2020-05-21
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}
Consumer complaint received 2020-02-17
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: Nelnet, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XX/XX/XXXX DEPTEDNELNET XX/XX/XXXX and XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.