davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. (IN)

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number XXXX XXXX
Consumer complaint received 2020-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Verisk Analytics Inc (UT)

Verisk is reporting an Automobile-Property Loss Underwriting Service ( A-PLUS ) claim on XX/XX/2017 that did not happen. On that date I did call the XXXX 'XXXX  XXXX claim department to ask questions about my policy and what was covered under the policy. However, I did not start a claim. 

They are now considering that inquiry a " Loss ''. 
They're using this inquiry phone call as an excuse to charge me higher rates and force me to use their " High Risk '' partner to insure new properties.
Consumer complaint received 2016-11-10
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (AL)

I owe them money from a loan and I am unable to pay the past due and current amount due. I asked to set up a payment arrangement and they told me I could only do that if I became current, which makes no sense. They have also left a note at my house where they came by. They call repeatedly throughout the day on my cell phone, work phone and my moms home phone. 

I have sent a letter asking them to stop calling and to not come to my house. So far they have yet to stop calling. I asked that they send me another set of the loan agreement as I misplaced mine and to only contact me in writing.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NJ)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}
Consumer complaint received 2022-08-04
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXX has violated my rights. 

According to the 15 US 1681 Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!
Consumer complaint received 2020-02-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (TX)

I needed to open a bank account in preparation for an XXXX   child. 
I received an email or targeted ad from Wells Fargo that advertised a welcome bonus after certain deposit requirements. 

I visited a branch to open an account and mentioned that I selected Wells Fargo because of the advertised promotion. They asked me if I was a new customer. I told them that I once had an account in the past but did not remember when. The banker looked me up in the system and I clarified that I would be eligible. I made the deposit requirements ( XXXX x 3 ) but did not receive the bonus, well after the time I should have. 

I called Wells Fargo about the matter and they told me they would investigate. I later received a letter saying I was ineligible for the bonus because I had an account in the past. I then received a phone call from the banker who opened the account to the same effect. I asked her why she didn't tell me I was ineligible when I mentioned why I selected the bank and clarified the terms. She told me that when she looked me up in the system at the time of account opening, no information contrary to the terms of the promotion was presented to her. The dates and conditions of my previous account with them was a relevant matter and if Wells Fargo had access to that information when they want to send me a letter, they also have access to the information when I want to clarify whether I am eligible to a promotion they solicited me. 

A flaw in the Wells Fargo computer system caused the banker to assure me I was eligible, fooling me into making the account and depositing the funds.
Consumer complaint received 2016-06-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NM)

We changed banks. We requested our auto payments be taken from our new account. This did not happen. We requested this on the phone and were told it would be taken care of 3 times. I then made the request again via costomer servicee portol so it was in writing. DITECH continued to refuse. As time progressed and I was told it was taken care of, payments were declined from the old bank. I was called, I set up new auto pay again beong told it was finally done. As you will see from our record we have spent HOURS over multiple days trying to get this resolved We are getting harassing phone calls and letters. Each time we go through it we are told OK now we see it will be taken care of -- -again it hasnt been We have over paid, paid for faxing and told we are refusing to pay.We are tired of these letters and calls and have told them to never call again- unless they call our bank XXXX XXXX They refuse to listen.
Consumer complaint received 2021-01-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I'm sure you have received this complaint many times, and I'm really curious as to the answer .... 

How could it be allowed, that Paypal, can allow you to open an account, use it, add money, etc, and then, once they decide they want to look into something ( which is normal ), instead of giving you a notice, ( i.e. " We are freezing your account to make sure everything is ok ), they actually wait until you deposit money into the account, and then freeze it. Then ask for documentation which I'm sure every sends, and then the response is, " OK we'll look into it and let you know next week '' That is actually allowed? Besides the fact that it is incredibly sneaky, it's dangerous ... They are dealing with people 's money, and are allowed to wait till they have your money, freeze it for a week? 
And not to mention, they aren't even open 24 hours a day .... And it's almost impossible to actually talk to anyone .... Just seems like they should be more regulated ... .And I've seen this same complaint 10000 's of times it seems .... 

But, I'm sure they just get away with it because of " good reason '', so they continue to do it .... XXXX forbid, one time ( just once, cuz every other time I'm sure is legitimate ), they do it for the wrong reason, they could really cause a problem for someone ... .. 

Just my opinion ....
Consumer complaint received 2022-10-12
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. (MA)

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 intent to my personal credit report. I am frustrated because the inaccurate items are still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. Although I talked to the company and they agreed to delete the accounts in my file. I keep my own accounting records for payments, and the one you have does not line up with what I have. Please remove the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MS)

Im missing a credit card that should be on my credit profile it is on my husbands credit report and not on mine. The credit card was with XXXX. It was opened XXXX XXXX. Its missing on my profile, it said status updated on XX/XX/2017. It was a joint account, underwritten by XXXXXXXX XXXX
Consumer complaint received 2021-01-07
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. (NV)

I have an account showing on my credit From XXXX XXXX XXXX which is showing as having a last payment on XX/XX/XXXX. This account was paid off in XXXX and there has been no activity on it since. This makes it past the statute of limitations, as that was over 7 years ago. This account should no longer be showing on my account at all, and should especially not be showing it with the wrong dates.
Consumer complaint received 2022-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (WA)

Today XXXX of XX/XX/2022, i called XXXX for Identity theft as an alert was sent. It was not me. that applied to a credit card with Chase Bank. JMCPB CARD was applied by another person, resulting in identity theft. 
I called XXXX they put a fraud alert. I called Chase and was told that department was closed. Need to call again tomorrow for them to also file a fraud complaint.
Consumer complaint received 2016-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (FL)

On XX/XX/2016 I received a alert about a XXXX account added to my credit report. I have no collections on my accounts and all my account are up to date. The company is named XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The amount is for XXXX I never received notices to contest this account. I submitted a complaint with the XXXX of XXXX XXXX. XXXX and the BBB. This company just posted this account on my credit report without due process of validation of ths debt.
Consumer complaint received 2015-11-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

Improper contact or sharing of information. Contacted me AGAIN instead of my attorney. ( See previous complaint ). I received a letter from SPS, postmarked XX/XX/2015, addressed to me. It should have been addressed to my attorney, XXXX XXXX. This is the XXXX violation of consumer financial protection law, in my case, concerning improper contact. Letter and envelope is available on request. XXXX XXXX
Consumer complaint received 2022-10-26
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. (NJ)

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed # XXXX, Account name : Dept of Ed XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX  # XXXX XXXX Account name : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation (FL)

Loan was completed through drive time, no paperwork received. I have been paying an extra XXXX each payment, XXXX per month to pay down sooner. Was recently told by bridgecrest that only XXXX was paid towards principle this year.. 
Asked for a breakdown and was told for each XXXX paid, XXXX was to fees and interest. 
Would like Bridgedcrest to correct the interest rate to a fair rate that gives me the ability to payoff in a timely manner. Would also like paperwork for this agreement. 

Current payment is XXXX bi weekly. 
Loan # XXXX
Consumer complaint received 2016-07-10
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: American Accounts & Advisers, Inc. (MN)

I am a victim of identity theft. I have XXXX unauthorized and fraudulent accounts listed with American Accounts Advisors , Inc., that do not belong to me. I continue to receive harassing and threatening telephone calls from representatives from American Accounts Advisors , Inc., representatives.
Consumer complaint received 2022-10-11
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: M.A.R.S., Inc. (TX)

M.A.R.S INC. is attempting to collect an alleged owed debt that was alleged Charged off or paid in full on my XXXX report M.A.R.S. INC is a debt collector according to 15 USC 1692a ( 6 ) See ( Exhibit 1 ) Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you with formal notice to cease any further communications regarding this account immediately. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency. 

Rights violated 15 USC 1692c ( a ) 15 USC 1692j ( a )
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

After spending almost 1/2 hour on Hold, and Speaking with 2 Representatives for Another Half an hour. I desired to speak with a Manager who after Explaining the Dilema, Very Rudely Hung up on me. 
As a Veteran and 1st Time Potential Home Buyer, I've been Shopping around for a Lender for a Potential Home, Beginning around XX/XX/XXXX until XX/XX/XXXX 3 Lenders Pulled My Credit Report, which Dropped my Credit Score OVER 100 points. I was Told by these Lenders that I can have up to 3 Pulls within a 3 week period with No adverse affect on my Credit Report. Another Lender Told me 40 Days. Trans Union Told me that it was within 14 Days. When I Contested the Fact that Not only did the Holidays slow down the Process, but at Least 2 Lenders Pinged my Report within 2 Days. I also Inquired as to Why 3 of my 3 Credit Cards Still Showed an Outstanding Balance, though the Balances had been Paid in Full for the Past Week and a Half to 2 Weeks. I Explained that it should be Obvious that the 3 Mortgage companies should be seen as 1 Ping since I was shopping for the Best Rate, Until I found that My Score had Plummeted Over 100 points in Less than a Month. The Supervisor didn't even Bother to Answer my questions then Rudely Hung up on me. As a Veteran and a Consumer, I think we Deserve Much Better than this from Not only our Credit Reporting Agencies to Keep our Information FAIR, ACCURATE and UPDATED, as a Mortgage Loan is one of the Biggest Debts a Citizen Incurs in his Life, and these things can Cost us Literally Thousands of Dollars. 

The Time Frames in Which these Lenders Viewed/ Pulled My Credit File thus was Not only Inaccurate reflections but should Not have adversely affected my score as at least XXXX were done within the specified time frame, Notwithstanding the Holidays, I think Consideration should have been Given, because of this. 

Nevertheless, My Experience with these Companies have DISGUSTED ME to the Point that I NO LONGER Want to DEAL with them, and have LOST my Very Desire to PARTICIPATE in this System as WELL as pursue my First Home Loan, as It is Not only UNFAIR they are RUDE and NOT ACCURATE. 

I've NEVER Missed a Payment, and Worked HARD for the Past Year to obtain Good Credit with a Score of approximately XXXX Only to see my Score Fall to Back to where it Started XXXX or less in LESS than 3 weeks due to 3 Inquiries? 

SOMETHING Needs to be Done about this, as WITHOUT ACCOUNTABILITY these CROOKED AGENCIES can DO WHAT they Like to ANYONE.
Consumer complaint received 2016-05-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (MN)

Equifax / cfpb denote if Equifax is willing to settle on removing all item that I been disputing with them for Months and all credit inquires that does not hold any opened accounts in my credit file I 'm willing to drop all investigation with the cfpb and any other parties who is involved Like I said In prior disputes here I 'm not looking for any money or any trouble or etc I just want what I 'm entitled to per the law. If they can give me their word and see to the above opened statement in this dispute I 'm willing to settle this and wipe this all away!
Consumer complaint received 2021-01-06
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. (CT)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.