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 — Problem with personal statement of dispute
Company: Glacier Bancorp Inc. (MT)

Please find attached a screen shot of the response from First Security Bank regarding my complaint against them of inaccurate payment reporting. It is noteworthy that not only has FSB not provided an actual bank statement, and instead simply felt their word against mine is sufficient proof of their inaccurate reporting but also, they conveniently failed to include all of my payments leading up to the XXXX payment in question. 

Also find attached my bank statement of payments I have made since XX/XX/XXXX. As is obvious, I paid ahead {$500.00} on XX/XX/XXXX and I paid ahead another {$500.00} on XX/XX/XXXX. That's 20 months ahead. My monthly payments are {$50.00} per month and my payment is due every month on the XXXX of the month. 

Although I paid ahead, I still continued to make payments every month thereafter. I challenge FSB to provide an actual bank statement to prove their false claim. The statement I am providing is an actual statement generated by First Security Bank. 

I can assure FSB the next step will be to contact my Attorney and seek damages through civil court. 

FSB RESPONSE esponded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation XXXX 's Response Dear XXXX XXXX, In response to the late payment on your Overdraft Protection Line of Credit ending in XXXX, resulting in a 30 day late reporting on your credit bureau, the payment made on XX/XX/XXXX, was in fact over 30 days past the due date of XX/XX/XXXX. The following is a quick snapshot showing the recent due dates and payment dates for your Overdraft Protection Line of Credit : Due XX/XX/XXXX Paid XX/XX/XXXX Due XX/XX/XXXX Paid XX/XX/XXXX Due XX/XX/XXXX Paid XX/XX/XXXX You can see your payment due dates are not always on the XXXX of the month, as you stated in your XX/XX/XXXX and XX/XX/XXXX email correspondence with XXXX XXXX, the XXXX on your account. He explained that your payment made on XX/XX/XXXX satisfied the XXXX payment that was due XX/XX/XXXX. The next payment made was on XX/XX/XXXX, which satisfied the XXXX payment that was due XX/XX/XXXX. The payment made XX/XX/XXXX was due XX/XX/XXXX, which is just shy of being 30 days late. Unfortunately, we are not able to reverse the credit bureau reporting because the payment was in fact over 30 days past due. Should you need to discuss this further, please contact XXXX XXXX, our Loan Servicing Supervisor at XXXX or XXXX XXXX, our Chief Credit Officer at XXXX.
Consumer complaint received 2021-12-01
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)

On XXXX XXXX, 2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-19
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)

Dear XXXX I was instructed by XXXX to send the Internal Revenue Service so that they may attach it to my file. They are in the process of investigating to help me clear my fraud activity from my credit file. I ask that you can send this to Equifax and XXXX as well to attach to my file with hopes that they remove the accounts that I have been disputing. 

This is an official document from the IRS and it gets no more official than this. I am still being plagued with ID Theft. 

Thanks
Consumer complaint received 2022-04-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC (FL)

I have a crypto account with Gemini Trust Company LLC, located in the State of New York. On XX/XX/2022 I attempted to purchase {$310.00} worth of Doge crypto currency, but in error I typed {$3100.00} which made it appear as if I was purchasing {$3100.00} worth of Doge crypto currency. My bank immediately stopped payment on that transaction thinking it was fraudulent, and the Gemini company contacted me by email to say my account was frozen, as they too also thought it was a fraudulent transaction. The {$3100.00} transaction was not approved by my bank, which I found out later, and I also never received {$3100.00} worth of Doge crypto in my portfolio. The freeze has since been removed but I am unable to purchase or trade and my account has a notification that I would not be able to have full access until I sell my other crypto currencies, or transfer cash to my account to offset the negative {$3100.00} I am now being charged for crypto currencies that are not in my portfolio. 
I was assigned a ticket for this case. If you need that number please let me know. 
Thank you in advance for your assistance in this matter.
Consumer complaint received 2022-04-19
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)

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 a account without my written instructions
Consumer complaint received 2020-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO. (MN)

I requested a new card and I have not received it. I would use the secure message center but that Chase provides but it has been my experience in the past that the customer service individuals don't even answer the questions. Usually they just copy and paste a generic message that tells you to call them. I want this response in writing so it can be documented to protect myself. I would think that Chase would want that same sort of documentation.
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (NY)

To Whom It May Concern, On XX/XX/XXXX I was on my XXXX XXXX noticed my score had dropped from an account I was an authorized user on a citi card which was opened XX/XX/XXXX. Total credit Limit was {$7400.00} on said card. This was probably a cousin of mines account who forgot to remove me as an authorized user as I haven't seen that card In years. I called citi to remove myself from the account they told me I needed the last 4 digits of the card # which I do not know.

All I want to do Is either be told the last 4 digits so I can take the right steps to have myself removed as an authorized user through citi cards. This was reported from XXXX. I can be reached on my personal cell if any questions. My number is XXXX or XXXX. 

When I gave my social to citi cards they only had my actual cards on file.
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IL)

As a federally protected Consumer, I am here to contest any purported accusations you are now reporting on my credit report.

In accordance with Section 809 ( 8 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, the Consumer requests verification from you ( FDCPA ).

Additionally, the aforementioned customer REQUIRES the following : CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2021-12-01
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. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2022-08-13
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: LEXISNEXIS (GA)

On XX/XX/XXXX. I have contacted Lexis Nexus, XXXX, XXXX, and XXXX. About a XXXX  XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.
Consumer complaint received 2022-04-19
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-12-01
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: KEYCORP (SC)

I applied for a student loan refinance w/ XXXX XXXX XXXX a division of KeyBank XXXX on or about XX/XX/2021. They advertised competitive rates along with a bonus of {$500.00} if you opened a checking account and funded with a {$2500.00} ETF. After a month of providing numerous documents ( I am a self-employed ), they denied my application for my self-employment length. 

My issue is that they knew this from the beginning. They were provided a profit and loss statement from my business at the start, previous years tax returns, etc. My debt/income ratio was strong along with my credit score. However, at the very end ( likely because the debt amount and interest rate offered would not recoup the {$500.00} bonus they offered to me ) they arbitrarily declined my application without allowing any discussion. 

My major concern is that towards the end, I consented to a hard credit pull. Now, they have harmed my credit for any other refinance opportunity based on a decision they knew from the beginning.
Consumer complaint received 2021-12-01
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. (NC)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2022-08-24
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)

I asked the Credit Buerure to do an investigation and they did and they said it was all verified. I did my own through investigation and found things to be inaccurate and not correct. I did this after their investigation. 




Name of Account/Account Number XXXX XXXX  XXXX Cancel contract. Please provide the original contract or delete XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original contract or delete XXXX Cancel contract. Please provide the original Contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX  XXXX Cancel contact. Please provide the original contract or delete. 

XXXX XXXX XXXX. Please provide the original contract or delete. 

XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX XXXX Cancel contract. Please provide the original contract or delete. 

XXXX XXXX XXXX Cancel contract. Please provide the original contrast or delete. 


In acceptance with the Fair Credit Reporting ACT and XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 ( A ) states that I have the right to privacy 15 U.S. C. section 604 ( A ) also state that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2020-09-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

Over the past couple of months, I have received notices from Citibank regarding Regulation D- which is a regulation that limits an account to 6 transfers per month. I contacted Citibank on multiple occasions to make ask and make them aware of the fact that in XX/XX/XXXX, the Federal Reserve Board eliminated that rule due to COVID-19.  Each time I spoke with someone ( Via chat ), they were either not aware of the rule or I was told that Citibank 's system had not caught up ( whatever that means ). This morning, as I was checking my accounts, I noticed that my savings account had been closed. I called Citibank to try and understand what happened. The first person I spoke to pretended as if she couldn't hear me, the second person I spoke to told me that Citibank set 's their own rules, and the third and final person I spoke to looked into my account, agreed that there is no longer a limit but told me that I should have reached out to Citibank- I reminded them that I had, on at least 3 separate occasions. Beyond frustrated I hung up. I called another bank, XXXX XXXX, to see if they were aware of this ruling, and they too were not. 

I have attached the various chats I have had with CitiBank customer service agents, as well as the letter I received from Citibank regarding closing my savings account. I reached out to Citibank on XX/XX/XXXX about the matter where I was reassured by the agent that the issue would be escalated so that it does not happen again.
Consumer complaint received 2022-04-19
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. (MI)

MY IDENTITY WAS STOLEN TO GET FRAUDULENT UNEMPLOYMENT ALTHOUGH UNSUCCESSFUL MY IDENTITY WAS THEN USED TO ATTEMPT TO OBTAIN FRAUDULENT CREDIT ACCOUNTS/LOANS IN MY NAME. NO ACCOUNTS WASD SUCCESSFULLY OPEN BUT NOW I AM STUCK WITH FRAUDULENT INQUIRIES REPORTING ON MY CREDIT FILE. I HAVE IDENTIFIED AND LISTED ALL FRAUDULENT INQUIRIES DOWN BELOW SO THAT YOUR AGENCY CAN QUICKLY IDENTIFY AND REMOVE THESE INCORRECT / UNAUTHORIZED ITEMS FROM MY CREDIT FILE. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE INQUIRES RESULTED FROM FAILED ATTEMPTS TO GET CREDIT OR CARS WITH MY IDENTITY
Consumer complaint received 2022-10-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I qualify for the PSLF program. I have been working as a XXXX for XXXX years. I was sent papers saying that I had less than 10 payments accepted out of 120! I was astonished. 

I was told that you could make BIG payments every year and they would count for 12 payments. 
In addition, I looked at my Balance and I was DETERMINED to pay it off in 2 years ... not TEN years, so I could buy a house. at his point, I felt like no matter how many payments I made, it was a fraud, and I had to just pay it down FAST, because the higher the balance the more the INTEREST! 

I started changing my payments : XX/XX/XXXX XXXX required XX/XX/XXXX. XXXX higher payment XXXX more than required XXXX XXXX XXXX XXXX XXXX XXXX higher payments XXXX more for 3 months than required XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment XXXX over required XXXX XXXX XXXX no payments required XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XXXX. XXXX -- -- -- -- XXXX in overpayments made during the pandemic that I could have used for a downpayment for a house I called up Fed Loan in XXXX and went over all my overpayments. I was upset, because I got a letter that showed that now almost XXXX of my payments were being ACCEPTED. 

I was told that NONE OF MY OVERPAYMENTS MADE A DIFFERENCE TOWARDS PSLF and ONLY the XXXX amount or the min payment! 

I spent hours on the phone and we calculated the amount to be paid back to me. 
I was told it would take 2 weeks to 2 months for the money to be paid back to my bank account. 

We went through EVERY TRANSACTION. I was literally taking the money I would have used to BUY HOUSE, and the PAYMENTS WEREN'T EVEN MKING A DIFFERENCE. 

My payments for the past 9 years that I had been making were accepted! I literally have 10 more payments. Less than 1 year! 

I am still waiting for my money to be refunded ... ... as NONE of the OVERPAYMENTS COUNTED. 

I am still making the monthly payments to XXXX... now you can't even see the documents on FEDLOAN. But they are all the same and run by the government, it should all be documented! XXXX only shows the most recent payments. 

I can't wait for this mess to be OVER!!
Consumer complaint received 2022-09-30
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. (FL)

I sent a letter to the 3 Credit Bureaus last XX/XX/XXXX to correct/fixed these suspicious items. I think you have not validated these items in accordance with FCRA and I will pursue legal action against you. This was already included in my prior complaint and I'm including it again. 
XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-04-19
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. (CA)

To whom it may concern : I sold my home on XX/XX/XXXX. 2022 the lender was paid off in the month of XX/XX/2022. 
XXXX the lender reported me to all 3 credit reporting agencies as 30 late for the month of XX/XX/2022 which affected my credit and my chances of qualying to buy a new home, as my creedit score dropped by over 100+ points, and I can't qualify for a loan due to the 30 day late on my credit report. 
Please help get t his resolved as the client services at XXXX are not willing to resolve this issue, i called them on XX/XX/XXXX & XXXX 2022 and both client service agents where rude and did not help me at all. 

Thank you
Consumer complaint received 2022-04-19
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)

This account is XXXX. XXXX is not reported to a consumer report. After the settlement Balance was paid there is a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. Regardless to if the company issues a 1099c to the consumer or not the discharged balance must be reported to the IRS as income. The account status is no longer debt but income. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income does not get reported to a consumer report. XXXX  XXXX was relieved of the tax burden with this account and the tax burden then placed on the consumer. There's also case law to back up what I've just stated. Franklin Credit Mgmt v. Nicholas, Amtrust Bank v. Fossett. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n XXXX XXXX can be held for civil liability for willful non compliance. I will also be filing a a tax complaint against the company as I've requested a 1099c with XXXX XXXX and that request has yet to be fulfilled. Even though the discharged balance is not over XXXX dollars in which a company is required by the IRS to file form 1099c it does not mean the consumer is excluded from filing the discharged balance as income on their tax return. So regardless to the amount it is still income. I want the account deleted from my consumer report.
Consumer complaint received 2022-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NJ)

Revco Solutions Inc originally XXXX XXXX XXXX XXXX opened as of XX/XX/22, and was reported on my credit report on XX/XX/22 in the amount of {$680.00}. I have no knowledge of this debt and it does not belong to me.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (CA)

On XX/XX/21 I submitted a complaint with CFPB complaint # XXXX. XX/XX/21 company response was they will refund {$500.00} for the appraisal because they took 5 months and still did not close refinance. I did not receive my refund and tried emailing the address given to me on the complaint but no response.