davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC (PA)

On XXXX of XXXX XXXX XXXX XXXX forgave me for the past amount due on my account in the amount of {$2500.00}. However even after I contacted the collection agaency to report the debt as being forgiven they popped up on my credit report after I applied for my mortgage loan making my score fall -25 points. I called the Bay Area XXXX which at first couldnt find the debt but then still shows on my credit report even after the creditor XXXX XXXX XXXX has forgiven my account into a {$0.00} balance.
Consumer complaint received 2021-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

XX/XX/XXXX. 
And an XXXX buyer named XXXX said he would buy my XXXX XXXX XXXX XXXX for {$950.00}. 
The buyer had no choice but to purchase through XXXX because his XXXX ID was hacked, and asked him to pay {$950.00} with his XXXX account. 
The buyer said he paid, but this was a phishing e-mail. 
XXXX XXXX ( XXXX ) I didn't know I was fooled and sent the product directly to XXXX on XX/XX/XXXX. In XXXX, battery handling is strict, so I applied to XXXX through a delivery agency. So, the location is XXXX. This was a big mistake. The tracking number is XXXX. Here 's the link. XXXX XXXX XXXX XXXX XXXX XXXX And on XX/XX/XXXX, the signature of the unknown XXXX was confirmed in XXXX. At the time of delivery on XX/XX/XXXX, the seller offered a condition that the XXXX account limit would be lifted only when {$1000.00} was refunded, and the scammer lied that he would deduct {$2000.00} in credit. At first, a scammer asked for remittance in XXXX, but I said no, and I was forced to ask for my account number and try to transfer it, and I remitted {$1000.00} to a remittance company called XXXX XXXX at around XXXX XXXX on XX/XX/XXXX. Related pdf was extracted from the text. Yesterday in XXXX time, they said they paid {$1000.00} falsely to the XXXX XXXX ( XXXX ) address, and as a result of checking, XXXX is still pending and only requested sent. Unfortunately, as a result of checking at XXXX XXXX. on XX/XX/XXXX, it was an obvious fraud and XXXX said it couldn't be helped. 
The scammers took my money and the things I was trying to sell. 
I need help.
Consumer complaint received 2021-11-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I purchased a A/C cleaning package by a company called XXXX XXXX I bought the coupon for the company XXXX XXXX XXXX after reading some of the reviews I bought the package and made the appointment. A Mr arrived and proceeded to hook up a vacuum in on of the air vents and looked at my ac unit in which he told me was in good condition but I needed a sanitizer to make the ac run better while this the electricity went out and he had to go to the breakers to restart. He told me the sanitizer would be {$170.00} dollars and he kept talking really fast and I felt really weird and pressured .He pulled out a little canister and started spraying an air freshener in the air. Can I give you a check he says dont you have XXXX I said yes. So I entered my bedroom where my computer was at as he followed me in and stood behind me while I opened my computer while I opened my bank account and sent him the money. At the same time he said you also need to give me a good review. In which case I did all this while standing right behind me. He left my bedroom and I got up feeling violated in some way. I called the bank Chase to try to cxl the transaction to no avail and contacted XXXX XXXX to no reaction to what happened. I filed a police report with the XXXX Police Department and was referred to the Detective Unit for investigative XXXX Intimidation.
Consumer complaint received 2019-11-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC (CA)

I paid off the loan on XX/XX/2019 and then on XX/XX/2019 an additional payment was deducted from my deposit account. When I called, the individual I spoke with seemed confused. The lender appears to use simple interest as when I opted to pay off the loan it showed figures for both outstanding principal and accrued, unpaid interest. The additional payment appears to be primarily for interest however I am not certain. In reviewing the loan agreement I noticed the calculate interest using a 360/360 basis which is highly unusual for any loan that is not a mortgage and I have never seen used in consumer loans which have a daily interest amount.
Consumer complaint received 2019-11-01
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX   XXXX
Consumer complaint received 2021-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2021-11-28
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: ALLY FINANCIAL INC. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (KY)

I was balancing my checking account online the first week of XX/XX/XXXX. My account was almost {$7000.00} short and none of this qualified for the account monitoring I pay for to be alerted. On XX/XX/XXXX, over {$4400.00} was electronically deducted from my checking to pay for a storage building in California. How this did not trigger any suspicious activity alert, I do not know. Fortunately, this was refunded to me by the bank. Beginning XX/XX/XXXX and going through the first week of XX/XX/XXXX stolen and forged checks were cashed at the BANK BRANCH in person with the perpetrator signing his name, leaving his finger print, and social security number. He was arrested and charged with over 10 felony ID theft and forgery charges, and admitted to stealing the checkbook from my home. I gave U.S. Bank the police report and filled out an affidavit. As stated on the bank 's website I had 30-45 days to submit the complaint, which I did and followed all the requirements asked by the bank.I proved my money was illegally and wrongfully taken from me and the bank closed my account and refused to replace the money. On top of this, the bank closed my account before the last stolen check posted, result in overdrafts fees to the old account. I did everything on my end and I am being dismissed. The bank also allowed over {$700.00} to be electronically stolen in XX/XX/XXXX that I had to catch myself as well. I put my money in the bank so it can be protected from other people, and the bank literally accessed my account without my permission and gave my money away, which is theft. How can U.S. Bank charge for account monitoring and be a federal bank if it can't even protect what little money I had? Money I had to borrow from the U.S. Dept of Education for my tuition. This bank has more than enough to cover my loss, which they allowed in the first place. Had they taken one minute to verify just one of those checks this could have been avoided. I have called over half a dozen times to dispute the denied claim, and ask how they can just hand out a customer 's money when the check is forged, and the teller informed me they do not check signatures or verify checks, as long as there's money in the account they will cash it. How is this fair? How is this a federal banking policy? I just want my own money back plus the overdrafts fees, which is {$1900.00} plus overdrafts.
Consumer complaint received 2019-11-01
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (ID)

After a month of sending in paper work, taxes, Mortgage notes and passing credit requirements. 
I was in the last process of being approved for a home equity line of credit through US BankXXXX 
Then under writing discovered that in 2008 my mortgage had been motified, through the HARP program. This program was designed to bailout the banks and help refinance the struggling homeowners, at a fair and reasonable rate. Since my homeloan was through XXXX XXXX, XXXX XXXX & I was indeed struggling to keep my home, I qualified. 
Now 12 years later, USBANK rejected my application and said I no longer qualified to receive a Home equity loan. They stated bank policy, states, no home equity loan, could be given on a mortgage that had been motified, due to financial hardship. 
I read my HARP agreement & no where does it state that I would lose my right to utilize any future equity in my home, for as long as I held this HARP mortgage. 
The 2008 housing market crash, left me victim to almost losing my house. 
Now 12 years later, because I participated in this program I am being discriminated against. 
I feel this is an unfair lending practice & wish to not only complain, but find out how many other people have been denied the right to utilize their equity, by USBANK or any other lending institution. 
If I had filed bankruptcy I could of kept my home & it would of fallen off my credit in 7 years. 
I chose to instead, to work with the banks, pay what I owe, stand strong & build my life again. 
I would like this situation investigated, if not for myself, then for all the other people in my position, who did not realize they were or would be discriminated against. 
I should not have to refinance my home in order to use its equity.
Consumer complaint received 2021-11-02
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)

I have tried to obtain my CREDIT FILE from all 3 credit reporting agencies & have only recieved credit reports. I'm being denied my right to know what all is on my credit file.
Consumer complaint received 2021-11-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I HAVE FILED DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.ITS HAS BEEN WELL OVER 30 DAYS AND HAVEN '' T RECEIVD ANY INVESTGATION RESULTS
Consumer complaint received 2021-11-02
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: KEYCORP (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account, KEYBANK NA XXXX, is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX and XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-09-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX at XXXX. XXXX XXXX XXXX, WI XXXX has been sending me collection notices in the amount of {$380.00}, {$520.00}, and {$110.00} and the collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-03-12
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. (VA)

i have over 30 medical accounts reporting on my credit report that i have no idea about and i tried and tried to dispute these account with the 3 bureas they will take 1 or 2 off my credit report instead the resart the 7 years over by re open the account,,,, Here are the accounts ... XXXX XXXX XXXX account balance XXXX.. XXXX XXXX  XXXX balance $ XXXX XXXX..balance $ XXXX..XXXX XXXXXXXX XXXX balance.. $ XXXX..XXXX XXXX XXXX.. balance $ XXXX..XXXX XXXX XXXX ... balance {$61.00} ... XXXX XXXXl XXXX.. {$58.00} ... XXXX XXXX XXXX balance {$140.00} ... XXXX XXXX XXXX ... balace $ XXXX XXXX XXXX ... balance {$61.00} ... XXXX XXXX XXXX ... balance {$77.00} ... XXXX XXXX ... balance ... {$58.00} ... XXXX XXXX XXXX ... balance {$140.00} ... XXXX XXXX ... balance {$110.00} ... XXXX XXXX ... balance {$210.00} ... XXXX  XXXX ... XXXX XXXX ... XXXX XXXX ... balance.. $ XXXX..XXXX XXXX ... balance {$110.00} .... XXXX XXXX ... balance {$240.00} ... XXXX XXXX XXXX ... balance ... {$650.00} ... XXXX ... balance {$750.00} ... XXXX ... balance XXXX ... XXXX XXXX ... balance {$57.00} ... .XXXX XXXX ... balance {$170.00} ... XXXX ... balance {$370.00}
Consumer complaint received 2022-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (CA)

Received negative XXXX credit report on a delinquent Apple Card Acct from Goldman Sachs in early XXXX Never applied for the card. Disputed the acct with XXXX as fraudulent. XXXX investigated my claims with Goldman Sachs and emailed me the results of the dispute around XX/XX/XXXX. They stated that the information that Goldman Sachs provided to them was accurate and if I wanted to further dispute it I need to contact them directly. On XXXX XXXX spoke to customer representative from Goldman Sachs, gave her my correct name, address, dob, and ss #. She stated she could not find an acct in my name with the info I gave her. Could not tell me why it still showed up on my credit report. Says she will look into it further but in the mean time I should file a fraud report with the police and with fraud alert. gov and send them a copy
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate personal information which another credit reporting agency found to be inaccurate and had removed. Due to the lack of response of the Equifax Credit Bureau, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. Please correct the error found in my personal information and update my records, which the bureau have failed to provide proper verification : Address : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NY)

I had notified Synchrony bank that all payments from the shopping networks QVC and HSN were paid from my debit cards on file which is automatically deducted monthly. Copies from HSN and QVC payment statements were sent to the bank showing that there was no remaining balance. Synchrony bank refused to accept the statements. The bank was notified by me as of XXXX XXXX after receiving a letter from them. They are claiming I owe over {$1000.00}.
Consumer complaint received 2021-10-07
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: U.S. BANCORP (GA)

After reviewing my credit report, I noticed Elan Financial Service company pulled my credit, and I have not given the company permission or reason to run my credit. I did not authorize that. I did not apply for credit with the organization. I've contacted the credit bureaus had no success wasn't able to get the situation resolved.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (IL)

I contacted ERC about a collection account on XX/XX/2021. I disputed the amount owed and requested a detail copy of the bill. I also contacted the original creditor and there is no record of the collection account. I was informed by ERC I would receive the account detail within 24 to 48 hours. I did not receive the account detail. I called back 2 weeks later and was informed the account was in dispute status. I called again on XX/XX/2021 and was advised the account detail was not available and would be requested again. I also was informed the account would be escalated. 

I have been asked by several individual what do I believe I owe? My response is XXXX but I really do not know that is why I am requesting account details.. 

I have never received an itemized bill from the collection agency or the original creditor XXXX. 

I have never received a collection letter from ERC.
Consumer complaint received 2019-11-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MS SERVICES LLC (NV)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to zero or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2019-11-01
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (NY)

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 DPT ED/NAVI has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 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 2019-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CA)

I've gone to XXXX XXXX XXXX over the past four years to see my credit reports. I have no problem accessing my reports from XXXX  and XXXX. Each year I try to log-in to Exquifax it says I have to contact them via mail. I believe this is being done on purpose as they know most people don't want to go through the hassle of mailing forms etc. I would like to know if other consumers are having this issue. A recent XXXX XXXX XXXX article mentioned problems people were having with Exquifax.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (IL)

hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXX. XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter
Consumer complaint received 2019-11-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PMAB,LLC (NC)

Years ago while shopping in A local XXXX XXXX I lost my wallet that included a lot of my important papers. I immediately filled a police so that my bank cards would be covered by the report. A few years later I try to apply to finance my home I noticed there were negative remarks on there that I had to get removed.