davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

Subject account was denied for a modification by XXXX XXXX. 
When initially applying, XXXX was denied and a letter was sent on XX/XX/2018 from XXXX stating that qualifying income would be {$2500.00} per month. 
We reviewed her income and saw that the initial application did not properly express what income she made and we promptly resubmitted ( on XX/XX/2018 ) with correct income - {$3300.00} monthly. 
We received another letter shortly after ( on XX/XX/2018 ) saying that she was denied, but did not say specifically why. I called XXXX today and they said that the investor denied her due to insufficient income. 
I do not feel the second application was properly reviewed. 
No one at XXXX has been able to further explain why she was denied, even though she is qualified and eligible for a modification.
Consumer complaint received 2019-09-16
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)

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2022-09-23
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: Experian Information Solutions Inc. (SC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX DEEP 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 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 2021-05-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Over the past 90 days I have sent Information furnisher Portfolio Recovery Associates Inc two separate invoices, requesting payment for multiple consumer rights violations and fraud according to 15 US code 1692. The company has failed to respond to both my affidavit of truth as well as any response denying any claim.
Consumer complaint received 2022-09-17
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: EQUIFAX, INC. (GA)

I have been disputing XXXX XXXX account reporting on Equifax XXXX XX/XX/2022. I have made at least two request in the past 75 days for equifax to delete this XXXX account because of the inaccurate information its reporting. The inaccurate information is the months reviewed which is showing 53 months. However this account was opened on XXXX XXXX. The delinquent date is XXXX XXXX. If you count the months starting 30 days after the OPEN date up til XX/XX/2022 is not 53 months! It is 65 months of reporting/reviewed information. And this acct was SOLD but it does not show who the charge off account was SOLD TO as it should! This account does NOT MATCH with the reporting information on XXXX or XXXX. But They are STILL reporting this inaccurate information which has been on my report at least 3 years. This acct is affecting my credit score and have been the reason for me being denied credit. Please take this complaint seriously by contacting this Equifax and making them DELETE this account because they are not reporting according to the guidelines of the FCRA. Thank you for your time and assistance.
Consumer complaint received 2021-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/2019 I received escrow refund for over payment of escrow in the amount of {$780.00} meaning that I overpaid on my escrow, it is customary that each year I would received an escrow analysis in on or around XX/XX/XXXX when I didnt receive the analysis I contacted Wells Fargo who stated they were working on the document and the document would be ready by the end of XXXX, a document was emailed however it was encrypted with no instructions or password to open again I contacted Wells Fargo and ask for a hard copy at that time I was told theres was no changes in the payment. in XX/XX/XXXX I received the payment and noted an increase in the amount of {$53.00} I spoke with a representative who state although there were no shortage the increase was in anticipation of next year escrow, I asked the rationale for the increase when I received an refund with an overage. I contacted the insurance company as well as local tax office both stated they could not project next year tax bill or insurance bill! So I am not sure the reason I am charge ahead when they dont know what will be coming from the escrow plus they sent a refund
Consumer complaint received 2022-09-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frost-Arnett Company (FL)

This company FROST-ARNETT is sending letters and calls after I notified them that this account is NOT mine even violating the HIPA law in my person I sent them a certified letter on XX/XX/2022 and received a response on XX/XX/2022 but they date the letter like XX/XX/XXXX?? obviously in an attempt to justify if I delay under the law in responding to the evidence which is requested and what they proved does not show anything of my signature, only a document with my name and date of birth, indicating that I was a victim of identity theft in in the past even my credit report shows that information this account is NOT mine I have not been in any surgery, in addition to this action of collecting personal medical information is a violation of my HIPA rights the only time I was in the hospital was for XXXX XXXX and I did not have any surgery. I demand that this {$100.00} collection and phone calls stop. I include here evidence of when I requested that they prove to me what they are talking about and I included the HIPA law, in addition to the fact that I was NOT provided with the information I requested where I authorized the hospital to disclose any information on my behalf, they never provided said information.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: TCF NATIONAL BANK (IL)

XXXX XXXX XXXX reply result Dear cfpb Complaint ID : XXXX It is refer to the feedback. TCF Bank refuses compensation my all deposit. 
TCF Bank copied my deposit checks and sent to the bank in front of me. I wait for over two months without the reply. I asked the reason. They said they do not reply me. You can contact them. They refuse the compensation. 
I said I only gave money as deposit for your TCF Bank. You gave to the bank without my permit and I do not know that you gave the bank and I do not know that bank. Thus I only ask your TCF Bank compensation. TCF Bank refuse the compensation. 
Because TCF Bank owes my money. It is the fact and they refuse the compensation. Thus I ask TCF Bank to compensate {$2500.00}. Add interests. 
Now the national all attorney general together object the company to bully the People. Therefore I ask the compensation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX
Consumer complaint received 2020-11-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Hello, I recently got scammed for a work from home job. I received a {$3300.00} check from XXXX XXXX claimed you work for the XXXX XXXX XXXX and got asked to complete tasks to send money using quick pay. I sent a {$2000.00} and {$500.00} payments to email address XXXX. Then, I realized this was a fraudulent activity. I contacted my bank to let them know that I need to cancel the transactions, but they failed to help me out, saying that the money was already delivered and all they could do is to file a report and does not guarantee my money back
Consumer complaint received 2022-09-23
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. (WA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intentness to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. I keep my own accounting records forpayments, and the one you have does not line up with what I have. I ask that this account be thoroughlyinvestigated and updated for proper and legal accuracy. Please fix the account : XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX-Late/Open Late Date XX/XX/XXXX
Consumer complaint received 2020-11-11
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. (MS)

i sent equifax and XXXX  a second request about the inaccurate items that they are reporting incorrectly on my credit report on XXXX letter was sent to the main office and the 2nd letter went to the corporate office.I haven't heard anything from them as of yet and i have attached copies below.
Consumer complaint received 2022-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MA)

The information listed on my credit report are all more than years old and reflect closed but have not been removed, please see below : XXXX XXXX  - Closed XX/XX/XXXX XXXX XXXX - Closed on XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX- Closed XX/XX/XXXX XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX XXXX - Closed XX/XX/XXXX XXXX 2 accounts
Consumer complaint received 2022-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ORG GC GP BUYER, LLC (CT)

I am a store XXXX for XXXX, in CT. I attended XXXX XXXX for a few months. XXXX provides 100 % free education to their employees and a company named XXXX helps to get things registered. I went for a few classes and my district manager stated that I could not attend any more because my job needed more of my attention. So, I withdrew from the class, as directed by my supervisor. I spoke with the student advisors and explained what was going on and she removed me from the one class I was going to take. I was never sent a bill, told that I was supposed to pay for this. I applied for all the federal loans/forms as XXXX had asked me to. I do not know how XXXX and XXXX even pay for these classes for the employees. I should not have to pay because it was never for me to pay, it is XXXX who conducted the transactions.
Consumer complaint received 2021-07-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NC)

I made a pucrhase through XXXX, but I canceled the purchase from the XXXX ( I canceled the item before shipping ), but XXXX still sent the item to me after several days, and they charged my bank account with the amount of XXXX dollars and, XXXX dollars.The retailer does not respond, the store is not willing to refund me after a month, and the bank is not cancelling my charges my account.I made several claims to the bank, but they did not accept the claims.Please let me know what I should do.
Consumer complaint received 2022-09-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Bridge IT, Inc. (IA)

On XX/XX/XXXX XXXX setup a secured credit builder account with Brigit. 

At this time my XXXX XXXX bank account was connected and auto pay was setup. 
In XXXX of XXXX I changed my bank account. 
Brigit sent me and email that my next autopayment was returned. At this time I tried to log into Brigit and it said I needed to change my password. Everytime I have clicked " send email '' I never received an email. 

I sent an email on XX/XX/XXXX and recieved a response. Not addressing my original concerns about my payment being late, due to no fault of my own. 

The phone number listed on Brigits website does not work either. Which also makes it impossible to address any concerns.
Consumer complaint received 2021-07-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: COMMERCE BANK (AR)

In early XXXX I accepted a XXXX XXXXXXXX credit card offer from Commerce Bank. The offer was for a {$150.00} cash back redemption to be applied to my credit statement within 6-8 weeks of making a purchase of over {$1000.00}. A purchase of {$1800.00} was made on XX/XX/XXXX, and I've made above the minimum payments since then, which was another condition of the offer. As of today, XX/XX/XXXX, I have not received my cash back redemption, which is around 18 weeks after I made the required purchase. I spoke with someone at the company on XX/XX/XXXX and was told a decision would be made within two business days. I have not heard back from them and according to my account, I have not been awarded XXXX points ( the equivalent of {$150.00} ) or had my account balance lowered by the promised {$150.00}. I sent an email to the contact on their website on XX/XX/XXXX, and someone named XXXX XXXX responded with the following message : " Upon consulting with a separate credit card area, we have been advised that XXXX Reward points have been manually added to your account. '' That has not happened. I brought this to his attention and he has not responded. My guess is that they plan to award the points only after I've paid my balance down below {$150.00}, thus forcing me to redeem the points for a one of their gift card offerings instead of actually applying this amount to my balance.
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo is closing my account because of high amounts going into the account through XXXX and being withdrawn which isnt illegal and my fiduciary account is being closed also that is illegal because it was set up by a lawyer for myself and they wont keep it open when I need it
Consumer complaint received 2022-09-17
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)

There is information on my account that is inaccurate. 
15 U.S.C states a consumer reporting agency can not furnish an account without written instructions. 

In accordance with the fair credit reporting the following accounts have violated my rights. XXXX ACCT 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 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 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 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 2020-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (GA)

I paid off the statement balance for my Chase Slate account on XX/XX/XXXX in the amount of {$3000.00} due to the high interest rate. I paid off the statement balance after receiving a debt consolidation loan. 

I then received a letter on XX/XX/XXXX notifying me that my credit limit would be decreased from {$3200.00} to {$500.00} based on a " credit review ''. 

I contacted the credit account on XX/XX/XXXX and they offered to do another credit review, resulting in a hard inquiry, to determine if the credit limit could be restored. Why are you offering to pull a credit report if you claimed to have already performed a credit review? Or are you punishing me with a lower credit limit because you won't be able to collect any more high interest payments now that the balance was paid in full? 

Although my credit utilization rates are high, they have not changed within the past 6 months to 1 year. If the " credit review '' revealed that my credit utilization rates were not favorable, why wait until the balance is paid off to lower the credit limit? 
Making better financial decisions should not affect credit worthiness. 

I've been a loyal customer since XXXX and have made all of my payments on time. I was planning on still using the card to keep it active, now I'm debating closing it because of the poor customer service and business practices. Disgusted
Consumer complaint received 2020-11-11
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. (FL)

the accounts listed ( XXXX  XXXX ) are fraudulent someone used my photo id and social security number to open these fraudulent account in my name THESE ACCOUNTS DO NOT BELONG TO ME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA & XXXX  XXXX ; XXXX On XX/XX/20, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-09-17
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. (IL)

To Whom it may concern, XX/XX/2022 XXXX Attempt According to my most recent credit report, your company is currently reporting to XXXX a major credit bureaus that I applied for credit with your organization. I did not grant you this authorization to review my credit report. Thank you for responding to my letter revealing your source of how you obtained my information. However I am contacting JPMCB about its inquiry that appears on my credit report without my knowledge or consent. I do not know if that would be considered fraud or error. 
In accordance with the Law 15 USC 168b : Permissible purpose of consumer reports include : employment, insurance, CREDIT, gov charge cards, child support, ext. COMPANY MUST prove they had your permission! 
The Fair Credit Report Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of the application authorizing the disclosure of credit files with my signature, I will accept the inquiry. ( I understand this may be done electronically but consent is still needed ) If a signed authorization can not be found please remove the inquiry from XXXX, a main credit bureau. 
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence soI would greatly appreciate a response from you within thirty ( 30 ) days. 
Please mail me the copy of the signed application or letter indicating your intention to delete the inquiry. 
Best Regards,
Consumer complaint received 2017-07-18
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: FIRST HORIZON BANK (AZ)

Home equity line of credit.   XXXX   paid off balance in full asked them to close account.   XXXX   received bill statement with " purchase  XXXX  '' and "   XXXX    cash advance finance charge '' did not use account and had believed it was closed.
Consumer complaint received 2022-09-17
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: Rent Recovery Solutions (FL)

In accordance with the Fair Credit Reporting Act Rent Recovery Solutions account XXXX has violated rights 15 U.S.C 1681 section ( A ) ( 4 ) I have the right to Privacy.

15 U.S.C 1681b section ( A ) ( 2 ) Nothing can be furnished on my report without my written consent