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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-03-30
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I submitted a Debt Validation Request to XXXX, an email confirmation was sent to me XX/XX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from XXXX stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a zero balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ID Analytics, Inc. (GA)

This is a formal complaint and report that my identity has been stolen, various accounts had been opened in my name with out my knowledge, I'm requesting this information listed below be removed from my consumer credit file, I have file an id theft report that is attached to this complaint, please help me to fix this matter. Thank you.
Consumer complaint received 2019-10-10
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. (NV)

I had my mortgage payment setup to automatically send from my bank to the mortgage company XXXX XXXX XXXX on the XXXX of every month. In XXXX of 2018 my mortgage payment changed because the property taxes changed. This caused my mortgage payment to increase. However, because XXXX XXXX XXXX had purchased my Loan from XXXX XXXX XXXX I wasnt correctly receiving notifications of these changes to my mortgage as they were not sending me the statements. Additionally, they were supposed to be sending me emails but they werent. This resulted in my underpaying on my mortgage account on XXXX 2018 because I didnt know to update the automatic payment I was sending. When this happened XXXX XXXX XXXX reported a 30 Day late on my credit. As soon as I became aware of this I paid the mortgage account current, When working with XXXX they refused to take responsibility for the failure to notify me of the change in my mortgage payment and refused to remove the 30 day late from my credit. I have attempted several times to dispute the 30 day late without success. This was not a 30 day late, the payment was made, but the payment was short because of XXXX  failure to notify me of the change in payment amount. The account has since been paid in full and closed, and XXXX is still refusing to correct this error on my credit that was a result of their negligence and failure to notify me in the changes to my mortgage account. I had full intentions of paying for the mortgage and had I been properly notified of the change the payments would have never been short.
Consumer complaint received 2022-09-30
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: World Acceptance Corporation (LA)

In accordance with the Fair Credit Reporting Act these creditors have violated my rights. Under 15 USC 1681 Section 6 o 2 states I have the right to privacy. 15 USC 1681 Section 6 o 4a Section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (IL)

Mulitiple purchased made at XXXX furniture store. I am legally altered with vision. I relied upon store sales persons to inform me of the financing terms. I did sign an agreement via their little tiny printer that had writing on it that I could not read. The device I signed on was not much larger that a credit card swiper that you use at a grocery store. 

Purchases made on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

I was told by sales person that I would have no interest purchase agreement with 12 months of payments. If the payments were not made I would get charged interest. I paid those payments without fail. I did not sit down to do the math because I had no reason to distrust Steinhafels at the time. On XX/XX/XXXX, I was charged {$200.00} in interest charges. I disputed this action with the complaint department at Wells Fargo, the financing company for the XXXX credit account. I received a letter from Wells Fargo Complaint division dated XXXX XX/XX/XXXX indicating that if I paid a sum of {$280.00} the interest charges of {$200.00} would be waived. I paid Wells Fargo the sum of {$1900.00} on XX/XX/XXXX via my online bill pay. That sum was to pay off the {$280.00} sum to get the interest charges waived and also to pay off another purchase with no interest for 12 months that was expiring on XX/XX/XXXX in the amount of {$1400.00}. Also, I added {$130.00} to make a monthly payment ( that was not due per their statement ). Wells Fargo make the decision not to pay off those expiring transaction but chose instead to divide that payment up among all of the purchases. Wells Fargo also changed the special terms ending date on the purchase with a balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX and did not pay that balance off as I indicated. A person from the complaint department called me on XXXX XXXX ( I think was the date ) and explained that she would get in touch with billing to get this issue resolved if she could and would call me back the next day. She did not call back. However, during our conversation she did tell me that Wells Fargo billing had in the purchase agreement ways that payments were applied. As shown to you in clear print, apparently Wells Fargo will not allow you to pay off purchases but rather redirect payments how they choose. Additionally, the {$280.00} that I did pay apparently did resolve the interest charge of {$200.00} but they would not enter that fact on the new statement they mailed to me. I did see that credit online via their website but again, will not reflect the credit on the actual billing statement. I do not believe this to be ethical business practices. Furthermore, why would the company finance 12 months no interest if paid if full by that date, set the payment charges to a level that will not pay off the debt in 12 months, then not allow you to pay the debt off but rather divide the payment as they choose. This is clearly a consumer trap that should be addressed and punished.
Consumer complaint received 2021-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: KEYCORP (TX)

I moved from XXXX XXXX to XXXX XXXX XXXX on XX/XX/2021. Before I left XXXX I went into the XXXX XXXX to let them know I was moving to XXXX and opening a local bank account. I informed them that the account would remain open until I could get mine and my wife 's direct deposit changed along with my auto pays for many accounts. Once everything had been changed and cleared I transferred the remaining balance to my new bank in XXXX. I was never contacted by anyone at Key Bank after that until now I received a collection notice from XXXX XXXX XXXX stating I owe {$150.00}, {$50.00} per month for the last XXXX months. I spoke to Key bank home office today. They spoke to the collection agency who said they would have to contact the branch. When they contacted the branch, they said they could not refund the {$150.00} fees because there is no account to credit them to. They really don't need an account they just need to write them off because I did everything I needed to do to close the account.
Consumer complaint received 2019-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

On XXXX I had Bankruptcy chapter XXXX and I own a house in XXXX XXXX XXXX. XXXX, MD XXXX and I was refinance my house with XXXX and my account was DISCHARGED IN BANKRUPTCY so my loan was never in my credit report, last month in XX/XX/XXXX this loan was transferred to XXXX their address XXXX XXXX XXXX XXXX, PA XXXX and my loan number with them is XXXX. 
XXXX send this loan to my credit report, I called them today XXXX XXXX at XXXX XXXX I was online for more that an hour with XXXX then XXXX to remove my loan from the credit report because I had this loan while DISCHARGED IN BANKRUPTCY but still no help. 
I want from XXXX to remove my loan from my credit report because of the BANKRUPTCY.
Consumer complaint received 2021-12-01
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. (GA)

On XX/XX/XXXX - I received an alert that a medical debt collections was added to my credit file ( XXXX ). This debt was paid with the original creditor and a letter was provided that states all debt information and the entire reporting will be removed from ALL of my credit files ( XXXX, XXXX and Equifax ). I am showing that it was removed from XXXX, but now it shows on on the others. This debt should have never been on my credit file as I never received any letters or calls and was told they had an old address that I have not lived at for several years. So, how was this even added to my credit file with no knowledge or no contact being made?
Consumer complaint received 2022-08-13
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$130.00} ; XXXXXXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-12-19
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. (CA)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (GA)

Because of this incident, I have 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 XXXX  days and I have not received any investigation results.
Consumer complaint received 2022-10-15
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)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  SS # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-13
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. (MO)

This is my 10th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Balance : {$410.00} XXXX  XXXX Balance : {$6100.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2022-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NY)

REF number : XXXX On XX/XX/2022, American Express XXXX against me, after running my credit, and send me a letter that my application was not approved. I can break down all of these terms, " Credit '', " application '', according to federal laws but I will hold off for now. I am looking for justice, as this is discrimination against my personnel, and my character. They did not even interview me for my consumer report. 

I am hoping to get this situation resolved right away!
Consumer complaint received 2021-12-19
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)

Even though I have previously written about Equifax continuously reporting XXXX XXXX XXXX on my credit report after I received another notice that the account was removed from my credit report, it is still reporting. I pulled a new report on XX/XX/2021 and the account is still reporting after it was supposed to be removed. Equifax is not budging. I have proof again the account was supposed to be removed and it is still reporting.
Consumer complaint received 2022-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (NJ)

I recently received funds from a family member through XXXXXXXX XXXX  of {$60.00}. I routinely instantly transfer the funds from my XXXX XXXX  to my PNC Bank account including a fee. Today XX/XX/2022 at XXXX, I transferred {$59.00} into my PNC account. But yet I never saw the funds reflect, I called both XXXX XXXX XXXX team and PNC customer service dept. XXXX XXXX team verified all transfer steps stating that the status is cleared which means the funds were sent. PNC Bank associates claimed it may have been a glitch on their end and that is not acceptable. I was paying for food a moment ago before my card declined for no funds. Now PNC is launching an investigation to locate the funds. This has never happen before being quite strange knowing that I transfer money to my PNC Bank account all the time.
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: Resurgent Capital Services L.P. (IL)

As a federally protected Consumer, I am here to contest any purported claims you are now reporting on my credit record as consumer debts.

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

In addition, the preceding customer REQUIRES the items listed below : Account Name : LVNV FUNDING LLC Account Number : XXXX
Consumer complaint received 2019-07-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (TN)

On yesterday Spring water Financial contacted me about a loan i took out with them. I explained to the young lady that i signed up with a debt relief company that was going to assist me with paying off my loans. And that they should have received the documents from them by now. The young lady who called said to you took out this debt and the collection calls will continue. i hung up the phone and she called back i told her i was advised not to speak with them. She then sent me a text saying Spring Water is needing a return call asap you took out this loan not any one else so we need to speak with YOU! you have have an outstanding balance of {$620.00} that needs to be resolved so collection efforts will continue until we can speak with you to meet a mutual agreement XXXX. I only took out {$220.00} so i don't understand how i owe so much I received this email this morning : Spring Water Financial has provided a loan to customer on XX/XX/19 and the customer has not made a payment on the loan. 
As a fact she revoked ACH thru her bank on her first payment on XX/XX/19. This customer should not qualify to be in your program for Spring Water Financial since she has not made any payment on the loan. 
Spring Water Financial will not settle this account for anything less than {$300.00} which principal balance with fees. If the customer worked with Spring Water Financial directly we would offer her {$25.00} bi weekly payments until the {$300.00} was paid in full.
Consumer complaint received 2022-08-03
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: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX I received an email from Citibank to open a Citi checking account and earn a bonus of up to $ XXXX with required activities because I am a Citi XXXX XXXX XXXX XXXX since XXXX. On XX/XX/XXXX, I clicked on the link it took me to citi.com to open the account, that same day I received an email from Citibank with the link to the Welcome Kit as the account was opened, provided an option to transfer funds into the Citi account by logging into my other online account with another bank. I transferred {$15000.00} into the account. I then linked the newly opened account with my existing Citicard online access for my credit cards. Everything seems to be ok. Around XX/XX/XXXX, I could no longer access to my online accounts and still unable to get into both the credit card or checking access. XX/XX/XXXX, I spent 35 minutes on the phone with Citibank asking where my money is, they told me to wait for the letter in mail without any explanations why. XX/XX/XXXX, I spent 56 minutes on the phone with Citi Fraud Department asking for documents, which I had provided. They told me the account is closed and they will decide when to send me back my money after the account is closed. XX/XX/XXXX, I spent XXXX minutes on the phone, first they told me if I want my money back sooner I can go to a branch, but it is up to the branch if they want to give me back my money. XX/XX/XXXX, spent another XXXX minutes on the phone and someone " promised '' to call me back to get me more details. It didn't happened. XX/XX/XXXX, the letter from Citibank arrived and it said " Your Citi accounts will automatically close within 60 days '' because they found that I have violated the terms of " your account per the client manual ''. I called Citibank again and they would not talk to me because they are now asking me for the debit card number in order to go through their verification that they had other means to do so from multiple calls before, the letter specifically said the card is longer active then why asking for the number, I had no use to keep a closed debit card. They are holding my {$15000.00} hostage without any clarification even though I have provided documents that were asked, I've been a credit customer for years and now Citibank is committing fraud against consumers by taking their money and holding it for XXXX or more days without cause, meanwhile using my money to loan it out to others and making a profit of my money. This is financial fraud against consumer without any explanations or rights.
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)

XXXX XXXX Please review the complaints I filed regarding XXXX. 

1st - The company has not been able to provider proof that the credit reporting was adjusted. My report still reflects negative. Per their response, XXXX advised that they corrected the negative reported to current. See the attached screenshots from emails I sent one from XXXX and they have not responded. When I call no one comes on the line. Its just an answer machine. 

2nd - XXXX allows you to withdraw credit that the loan has accrued and I have. It been able to withdraw the available credit. 
Since XXXX has failed to respond to me Im not sure what is going on