davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

I sent all credit bureaus my identity theft reports with all fraud accounts attached told them I am a victim of identity theft. multiple unauthorized accounts opened in my name to be ignored and told to contact the furnishers. my police report # XXXX. I have also sent all information to the FTC. I have been provided with no contracts with signatures from any of these creditors or the credit bureaus showing how they believe this information is valid. These are not my accounts & I am not comfortable calling companies I have no business with this is preventing me from even renting a house. they have also been theft reports I demand this information removed & each company to send me the documents used for validation with legal signatures ( no print screens ) of bills I have no knowledge about
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (NC)

XX/XX/2019 {$3800.00} XXXX this account doesnt belong to me, ask several times to verify information with no response.
Consumer complaint received 2022-07-29
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. (MD)

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2020-04-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (TX)

I recently pulled all three of my credit reports, XXXX XXXX and XXXX. After reviewing them I noticed a collection account in the amount of {$570.00}. I am not sure how this has come about. The company listed name is Jefferson capital. I have never had any business dealings with this company whatsoever. I have also disputed this account several times and continued to get automated email responses stating that the account is accurate and will continue to report as such. I have requested for the company to send real verified documentation showing that I am responsible for the bill, but they have yet to do so. I am working full time and I am also in the process of trying to purchase a new car but my credit score has been severely impacted in a negative way due to the inaccurate collection that is listed on my report. Please remove this negative item from my report.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

n accordance with the Fair Credit Reporting act XXXX  Account # 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 a account without my written instructions.
Consumer complaint received 2018-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (IL)

I engaged a dispute regarding a purchase on my Wells Fargo card in XX/XX/XXXX ;  the charge goes back to XX/XX/XXXX. After months of back and forth, WF 'resolved the dispute in my favor ' ( see attached email ). Yet, I can not get them to remove the charge from my credit card, despite numerous requests, and despite notifying them that eventually I would need to file a CFPB complaint. The charge is still listed today ( XX/XX/XXXX ), and they are attempting to force me to pay the amount by XX/XX/2019 ( see accompanying statement ).
Consumer complaint received 2018-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (MI)

I received a promotional offer with no interest or transfer fees, etc for a year upon opening of my account. However, I have been charged XXXX in fees and {$440.00} in interest YTD and despite efforts to have them credited, have not been successful. 

I was told I should have called in advance to get a better explanation of the cash advance terms as they prefer that we call before using. As a new card member, I find this to be deceptive advertising and request that the interest and fees be removed.
Consumer complaint received 2023-03-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

I had 2 properties mortgaged with Wells Fargo and they improperly foreclosed on one property in XXXX  after I made a large pmt and they promised they would take out of foreclosure and would not let me modify the mtg. Once I made the apyment, the foreclosed the following day. The 2nd property I own was modified after over a year of attempts and another large pmt made. Wells Fargo charged inspection fees, attorney fees and other costs which was what caused me to fall so far behind and I should be part of the recent lawsuit to reimburse consumers due to this.
Consumer complaint received 2018-12-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

I applied to JP Morgan Chase for a loan modification in early XXXX, XXXX. I took my mortgage out in XXXX, and have never missed a payment. In XXXX I had to have two XXXX XXXX That coupled with the fact that my income has substantially dropped ; I am XXXX years old. 

Chase has denied me a loan modification, I appealed their decision but they have not changed it. 

Their reason for the denial is that I have too much assets which have dropped about 10 % since my applying for the modification. Their reasoning for the denial is very discriminatory to senior citizens as they are telling me to use my retirement savings to pay my mortgage and when my savings go down to {$25000.00}, they will then consider a loan modification. This is unacceptable. My income has dropped substantially. Chase was bailed out during the financial crisis with my tax money. They owe me this. Besides this is a violation of the law. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, N. Y. XXXX Tel : XXXX
Consumer complaint received 2020-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I recently changed phone numbers and updated my online banking with Citibank accordingly. It is common practice for online banking users to update their personal information only when necessary, usually just before they conduct a transaction such as a withdrawal or a transfer. 

I opened a new bank account at XXXX XXXX yesterday and attempted to transfer funds from Citibank to XXXX using online banking, but all attempts to do so were blocked, and the only reason given by the Citibank representative is that the phone number is not " verifiable '' because it has not been in the system long enough. 

To give some context, however, it should be noted that Citibank has been sending automated verification codes to this very same phone number since the new number was entered, however Citibank 's Fraud department claims that this number is " not valid for verification ''. Citibank has provided NO timeframe whatsoever within which the number will become " valid '' in their systems. 

Citibank has provided NO acceptable solutions to my issues so far, other than repeating the same excuses and providing no acceptable reason as to why a phone number their own systems have been using for verification is suddenly no longer valid for identity verification. They have asked me to visit a branch despite my informing them that the nearest branch over XXXX miles away or provide an alternative number, which contradicts their argument that they can't trust my new cell number because it hasn't been in the system long enough. 

Citibank has effectively accused me of fraud on my own bank account for the simple reason that they have arbitrarily and capriciously determined that a change in phone number is somehow deemed " suspicious ''. Given that I have banked with Citibank for the past 13 years, this is totally unacceptable.
Consumer complaint received 2018-12-16
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. (NC)

My XXXX XXXX credit card was paid off, XXXX balance in XXXX XXXX. XXXX. XXXX reported to the credit bureaus my acct was past. In XXXX XXXX, XXXX. XXXX reported the acct 90 days past due. In XX/XX/XXXX, XXXX XXXX reported they charged it off as a bad debt. The credit bureaus post this inaccurate information, failing to recognize it has a XXXX balance. I disputed the info to XXXX  in XX/XX/XXXX, File no.XXXX. XXXX. XXXX responded to XXXX  acknowledging the account was paid off in XXXX XXXX. Eight months later, XXXX. XXXX still has not contacted the credit bureaus and acknowledge their error. The erroneous info is still on my credit report and has caused my credit rating to fall by 50 points and my credit limit to decreased on my XXXX card. This inaccurate will remain on my credit report for seven years. XXXX. XXXX has knowingly and purposely caused negative affects to my credit report.
Consumer complaint received 2022-07-29
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: JPMORGAN CHASE & CO. (TX)

Chase ran my hard credit two days in a row XX/XX/XXXX & XX/XX/XXXX. 
They made a mistake and should have only ran it once. 
Also they never processed the application because it was flagged as possible identity theft. The resolution letter went out with no path forward to fix except run credit a third time. 

They shouldnt run credit three times to try and get a credit card
Consumer complaint received 2018-12-16
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: CITIBANK, N.A. (IL)

I'd like to file a complaint about the opening bonus of my Citi thank you premier card. Per condition and term ( *please see attached about condition and term ), I will receive XXXX TYP after spending XXXX   within the first 90 days after the account is opened. After I spent $ XXXX, I chated with Citi and got the confirmation that I'll be receiving my XXXX TYP within next 1-2 billing cycles ( *please see the screenshot named after p1 ). Till last week, I still haven't received the opening bonus, so I chated again with Citi and I was told that I no longer will be able to receive points since I didn't meet the spending requirement. For whatever reason, they said they appreciated my business and gave me XXXX   points as goodwill.

I'm SO SO SO confused about why I was told to get XXXX thank-you points a month ago but now I'm told I won't ( * please see the screenshot named after p2 ). This is SO SO SO frustrating and I'd like to request CFPB to help me out.
Consumer complaint received 2018-12-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

I have struggled to receive my public service loan forgiveness at every step of the process. they claim this is because my loan is consolidated with my husband 's so it's " hard to see '' in their system. In XX/XX/2018, I finally had all the pieces in place. I my employment ( XXXX XXXX ) had been approved several times. I had ( sent by them ) a listing of all qualifying payments showing that I had made more than 120 qualifying payments. I submitted the final application for forgiveness and received a response that I had no loans with them. This always happened every time I submitted an employment verification. It would take a phone call, they would submit it for review and, within a couple weeks, it would be approved. So I called on XX/XX/2018 to have it submitted for review. They said they would but I heard nothing for over a month. Again I called on XX/XX/2018 to inquire about the status of the review. The person I spoke to gave me false information about the eligibility requirements. I asked to speak to her supervisor. The supervisor investigated and found all the pieces of my information ( employment approval, loans, payments ) and said she was putting them all together in one email and sending them for review. Again, I heard nothing. I called again on XX/XX/2018. At first the person helping me couldn't find my account history at all. Then he claimed that he saw the review and it was still " in progress '' and it would take " a while '' and that he couldn't say how long but there was no point in me checking up on it because they're very busy and have a lot of applications to review. It has now been over six months since I should have had my loans forgiven and I can't get any information from XXXX except that I need to keep waiting.
Consumer complaint received 2018-12-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gregg & Gregg, P.C. (TX)

My landlord forced my family to move out in under 30 days. My family and I secured a new location to live. Once we moved out of the formerly leased property, our former landlord claimed we destroyed her property and owe {$4200.00}. My family and I have yet to see any documentation that validates the claims of destruction of property. The former landlord hired an attorney who is now attempting to collect the debt. We still have no proof of this claim that we owe the amount the former landlord has submitted. The attorney has now sent a settlement request to remedy the alleged debt, but still has not provided proof that we in fact owe. We have requested this information from them twice. We are not sending any money since they have yet to prove this claim.
Consumer complaint received 2020-04-01
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. (MD)

I am writing to delete the following information in my file .The items i need deleted are listed in the report .I am a victim of identity theft and did not make the charge.I ask that the items be deleted to correct my credit report.i reported the theft of my identity to the federal trade commission.and also have enclosed copies of the ftc identity theft affidavit please delete the items as soon as possible.
Consumer complaint received 2020-04-01
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. (MN)

The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, XXXX Credit Card from XXXX XXXX XXXX, XXXX XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX from the XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (VA)

I sent {$800.00} through Remitly on XX/XX/XXXX and they hold the money for no reason they didnt explain what happened, they just ask for a picture of my license the same night I submitted it, then I been waiting for them to release the money I been calling they sent and XXXX to a bank and said it was going to take up to 5 hours to fix the problem and they would let me know what then CEO from the bank said before anything I was at work I been waiting on a call or XXXX whiche they never did I been calling them and they just put me on hold and dont give me any answers like its not the first time I send money through it I do it like every week and why would be acting up now? They literally hang up on me like am not paying for them to have the job.
Consumer complaint received 2020-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (KY)

I can not unlock my Equifax credit report. I have tried to unlock it through Equifax 's Lock & Alert with no luck again today. I contacted Equifax today and the Office of Consumer Affairs states that my credit report is under review and will be unlocked within two months. This is absurd. This is my financial information. My life. I receive alerts. If there was a concerning problem with my account, I'd let them know. I want access to Lock & Alert. It's my private information they're withholding.
Consumer complaint received 2022-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I called TRANSUNION XX/XX/2022 at XXXX to report inaccurate information from alleged creditor name by DEPT OF EDXXXX. The alleged creditor DEPT OF ED/XXXX is a third- party collector which is a violation of 18 U.S.C. 1028A AGGRAVATED IDENTITY THEFT, which is lawful to contact a third party with my private and personal business. I, the consumer never gave TRANSUNION permission to take my information. 

TRANSUNION have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. This account is not mine not is the alleged debt, nor did I have a contract to do business with DEPT OF EDXXXX. TRANSUNION has failed to provide one, the consumer with any accurate validation in writing pursuant to the FAIR CREDIT REPORTING ACT, 15 USC 1681g, I expressed my right for full disclosure to me of all the documents they have recorded and retained in the consumers file at the time of requested concerning the alleged account to support TRANSUNION claims on my credit file. 

Furthermore TRANSUNION has claim they are doing an investigation Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc., who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Which TRANSUNION is in violation because I was not given any type of these reports in this investigation. 

Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regards to the confidentiality, accuracy, relevancy and proper utilization of such information. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2020-03-31
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. (TX)

all ftc violations XXXX XXXX {$13000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX co {$1200.00} XXXX XXXX XXXX {$490.00} XXXX {$10000.00} Pursuant to 16 C.F.R. 2.10 (  a ), Petitioner SLAC , Inc. ( SLAC ) petitions the Federal Trade Commission ( FTC ) to limit or quash the Civil Investigative Demand ( CID ) issued to SLAC on XX/XX/2017.1 SLAC objects and seeks to quash and/or modify the CID as being improper and unenforceable because the CID seeks information that is irrelevant information beyond the scope of the FTCs investigation and is part of an unlawful, unauthorized investigation. 
If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court.
Consumer complaint received 2021-06-07
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. (NC)

Equifax should not be reporting the US DEPARTMENT OF EDU account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. ( Please see page attached from my credit report. ) These loans are in deferment. ( I have attached a copy of the confirmation letter from XXXX as well as a letter from the US Department of Education for reference. ) This false reporting of these accounts is seriously harming my credit score and these items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted both the US Dept of ED as well as the bureaus to remove these line items however, I have not been successful.