davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC. (MI)

My XXXX account was transferred by XXXX Bank XXXX Optum XXXX around the beginning of XXXX. On or around XX/XX/21, I submitted an XXXX claim to reimburse myself for some XXXX work. My claim was denied and my account frozen/suspended. I contacted Optum XXXX to inquire as to why my account was suspended and I was hung up on twice with no resolution. After calling back again and again, I was finally connected to a XXXX who seemed to be a little helpful, however, this institutions internal policy dictates to the customer when my account will be unlocked and available for my use again. XXXX business days I was told due to my account being cited for fraud. I haven't been able to gain access to my account since XX/XX/21. I feel like my account was transferred to an inferior company with consumer finance compliance shortfalls and technology-related issues that prevented access to my account and money.
Consumer complaint received 2020-07-31
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. (TX)

I have paid off the account with XXXX XXXX on XX/XX/2020. I am purchasing a house and will have my credit pulled again in the next 30 days. I need this collection account removed from my credit report and to NOT appear again ... I was told that it will not be removed for another 30/45 days. This is unacceptable Please remove ASAP
Consumer complaint received 2020-03-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: U.S. BANCORP (MI)

Lease ended in late XXXX. US Bank billed me for the agreed upon lease termination fee, which I paid within 10 days of receiving. By the time I got the invoice for the lease termination fee, it was ALREADY PAST THE DUE DATE. I refused to pay a late fee because it took US Bank so long to send out the termination fee invoice. I paid the amount due in full, as I did every single lease payment. I have written to US Bank multiple times and return their phone messages advising them that they send me a lease termination invoice LATE and advised them THIS IS A DISPUTED MATTER. They continue to harass me by sending invoices, forcing me to repeatedly reply telling them this is a disputed matter. I paid the lease on time and in full. I am NOT paying for their sending me an invoice late. BTW, I did not terminate the lease early. None of the choices the CFPB allowed fit my situation exactly right. Attached is my XXXX of XXXX letter to US Bank and the most recent invoice from US Bank.
Consumer complaint received 2022-07-29
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2022-04-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (NC)

I reported to XXXX several times that the final bill was incorrect. The equipment charge for almost XXXX was incorrect, because the equipment was returned to their customer service store at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. They refused to correct the bill, and after reported them this past year, they resold the bill to another collection agency Credit Management LP. I would to request an investigation into their dishonest buisness practices, and falsely stating records on my credit report over the past 5 years. I would like other customers to beware of their dishonesty, and to know of their extremely unprofessional buisness practices.
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (TX)

I dont understand why I keep me in the night for an Apple Card, I make my payments on my other credit card in time every month, Im just looking for a chance to prove myself I have a long time Apple Music I would like to purchase more items thank you
Consumer complaint received 2022-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MO)

We have noticed that the interest rate for the private loans keep increasing. I called Navient on XX/XX/2022 to obtain information as far as how high the interest rate will go. I was informed it could continue to go up as long as the government approves. 

Let me give some background information. I recall going to the financial aid office at XXXX University to question the interest rate since it was a much higher rate than other loans we had obtained. They informed us to look at the annual percentage rate on the truth in lending disclosure. 

In reviewing this information on our documentation, there is no indication as far as how high the interest could go which is what lead to my call to Navient. 

When I called on XXXX, the CSR informed me that my promissory note would indicate the variable rate and she would mail me a copy. 

I received the copy but there is no indication on any document that we could find that indicates how high an interest rate can go. 

The current rate now is 14.625 % and that is unreasonable. This documentation should indicate the least amount of interest we could be charged, as well as the highest amount of interest we could be charged. We have been doing everything we can to pay off one loan at a time, and since making large extra payments, the interest has done nothing but increase, and now its up 4 % points. This is extremely unfair, unreasonable and predatory. Students taking out loans should get information on their truth in lending statements of what the exact interest rate can be. The would variable is very misleading and doesn't really provide what the interest could be.
Consumer complaint received 2022-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NY)

This bank treats me horribke with my application first the verification process is so long I was approved for my macys XXXX account but they wont send me my card they refuse they cant even find an account in store. Or when I call them to request my card so frustrating and what do I do if no one can find my account how do I use it this is so unfair Im also XXXX and feel discriminated against.
Consumer complaint received 2021-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

I have a mortgage loan with Rocket Mortgage. I requested a modification to the title because of an boundary line adjustment. The title company required a modification. They won't process the modification unless I refinance the loan. I paid for the additional land with my own proceeds and do not require a loan for the additional property. 

This has significant financial implications. The cost to refinance is close to $ XXXX and would require me to restart my loan to Year 1. I don't have the means to shorten my loan to 15 years. So I will now have to pay more interest and increase the balance of my loan in exchange for a simple modification to the title showing a new boundary line. 

What should be a simple modification to the title to show that my lot has gained 75 feet -- it is literally moving the line on the map plot. There is no risk to Rocket Mortgage, in fact, the value of the property appreciates due to the addition of more land. 

People should not be forced to change their entire financial plan, go further into debt, to accommodate this type of policy. Please help.
Consumer complaint received 2022-04-10
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, the following companies and accounts are in direct violation of 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 XXXX  Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of $ XXXX.This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

XXXX XXXX XXXX  line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$220.00}. This account was charged off and I no longer owe money to this creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$500.00}. The original creditor is XXXX XXXX XXXX  XXXX XXXX. This account was charged off and I no longer owe money to the creditor but its still showing a balance due. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$1000.00}. The original creditor is XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2020-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/19 I opened a account, I was offered a {$650.00} bonus offer making deposits totaling {$3000.00} for 6 months I was to get {$650.00}. I have yet to receive the offer outlined by Wells Fargo Bank. I opened a executive case # XXXX no response from wells fargo. I completed the requirement in addition have a transfer to savings of {$1.00} or more.
Consumer complaint received 2022-08-02
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: Experian Information Solutions Inc. (NJ)

US BKPT CT XXXX XXXXXXXX XXXXXXXX US BKPT CT  XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT XXXX XXXX XXXX US BKPT CT XXXX XXXXXXXX XXXX Experience refuses to remove this of the credit report. After providing numerous documentations to them for over a year. The responses the company has verified it. The last time they stated to me that the court verified it. Attached is a letter from the Bankruptcy Court of New Jersey. I will like this problem rectified or Ill be seeking further legal action. Regarding Experian misrepresenting itself stating that it has verified the information with the court. In good faith. Im trying to resolve this as quickly as possible.

I have contacted XXXX and they have provided me a copy of my consumer report and it is not showing any type of bankruptcies. Also, to this date, XXXX XXXX and XXXX have removed the bankruptcies reporting
Consumer complaint received 2022-06-25
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. (MI)

In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2022-07-29
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: Elevate Recoveries, LLC (TX)

Elevate Recoveries fraudulently reported a debt from XXXX XXXX  XXXX, amount {$650.00}. I contacted Elevate Recoveries today - XXXX - to inquire about this account. They stated that they sent out 1 letter on XXXX. When I informed Elevate that I had not received this letter, they informed me that it went to the wrong address. When I asked why they would then report it to XXXX on XXXX, the representative claimed that they do not report to the credit bureaus. I told her that I had contacted XXXX, who informed me that this was reported by Elevate. She still claimed that they do not report to the bureaus ; so I asked her if they didn't report it and XXXX did not, how did it get on my credit report. Her response was that I should file a police report and immediately disconnected the call.
Consumer complaint received 2022-04-10
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: EQUIFAX, INC. (IN)

Dear agency reporting please remove fraudent Account from my report : please help me I'm suffering from these scams for a few years I looked for a solution I couldn't find it, until a friend told me to get in touch with you he told me that you guys are excellent now solve these scams I'm very confident in you for please help me!
Consumer complaint received 2022-04-10
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 XXXX 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 an account without my written instructions.
Consumer complaint received 2022-08-09
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. (CA)

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance XXXX {$3900.00}. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Consumer complaint received 2018-05-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A. (VA)

XXXX XXXX Account number : XXXX Issue with Citibank XX/XX/2018 Monthly Service Fee {$25.00} After calling them multiple times to have them change my account package for the monthly service fee, they sneaked me this fee one more time. This is like the 4th time they have done this to me since the first time I called in.
Consumer complaint received 2018-05-12
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. (GA)

These account don't belong to me and I want them removed from my report please. 
Creditor : XXXX XXXX XX/XX/XXXX Amount : {$1100.00} Creditor : XXXX XXXX XX/XX/XXXX Amount : {$230.00} Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$460.00} Creditor : XXXX XXXX Amount : {$230.00} Creditor : XXXX Amount : {$460.00} Creditor : XXXX Amount : {$490.00} Creditor : XXXX XXXX XXXX Amount : {$5000.00}
Consumer complaint received 2022-07-29
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXXXXXX # 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 2018-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

I was recently the victim of Identity theft. I requested the at the various Credit Reporting Agencies and furnishes validate accounts that were unknown to me. 

Equifax without my authorization took it upon themselves to place a personal fraud statement on my report, and then Equifax sent a notification to both XXXX  and XXXX XXXX also without my knowledge and authorization. ( while at the same time not removing the un-validated identity theft accounts from my equifax report. 

XXXX in response to this request by equifax placed the following statement on my XXXX  report. 

Personal Statement ( s ) 06 & XX/XX/XXXX 0000000 ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX. 

I did not make this statement and do not appreciate XXXX  placing it on my report and exposing my phone number.
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. (GA)

n accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Consumer complaint received 2021-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: SYNCHRONY FINANCIAL (CA)

XXXX thru present. Terms insufficient termated transaction. On recite XXXX XXXX any of a. .Advocate said alot of people not. One said snack bar only XXXX. XXXXyrs XXXX limit Balances are XXXX for that purpose Got new pin today. Told I hope not to be disappointed..I Chatted excessive. on advance XXXX limitXXXX upgrade. XXXX help Alert Secret adversity plot Vile promise. XXXX Sycroiny Bank 5 months among it.
Consumer complaint received 2018-05-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE (AZ)

Barclay 's Bank Delaware has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2022-04-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MI)

I received a Visa vanilla gift card with {$200.00} loaded on it as a gift in XX/XX/2021. I tried to use it today and it was declined. When I called the number on the back of the card I was informed that there were three transactions on the card, all dated in XXXX, 2021, all transactions were made in XXXX, CA. 
I did not make any purchase with this card as I had left card in the original packaging until today.
Consumer complaint received 2021-06-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Grant & Weber (TX)

I sent a validation request via certified mail on XX/XX/XXXX and again on XX/XX/XXXX because I never received a response from the first letter. I also sent an email through their website and never received a response. The original debt is supposed to be a medical bill. The original amount listed is XXXX. They are reporting this as a collection/charge off and increasing the amount owed each month. According to the my credit report the amount owed as of XXXX is XXXX. This should be removed from all reports because they failed to reply within the allotted time frame.