davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 and XXXX and 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 inquiries 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 21 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 PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (AZ)

Hello there I received a mail from chase bank saying I requested for address change on my chase account while I have never had an account with chase. I don't have any access or know about this account can you guys check into to it and help close this one.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (PA)

Hello, my name is XXXX XXXX XXXX, and 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 this change. 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 I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management (NC)

XXXX XXXX  has seen letters to remove. AmeriFinancial Solutions , LLC has added 2 transactions to my credit reports and have NEVER contacted me prior to posting to my credit report. Whomever they are collecting a debt for has NEVER contacted me because I do not owe anyone!!
Consumer complaint received 2022-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (FL)

I would like to reopen my bank account at PNC but they are refusing to take my account. I have many returns from XXXX that total {$5000.00} because PNC is not willing to take the cash returns because the things were purchased with that bank. 
I returned many items to XXXX but they are insisting they can not give me credit for the items I returned except on PNC Bank. 
My account was closed but I did receive a check for {$980.00} yesterday so obviously that right could be done but PNC is still refusing to reopen my account. It was closed without my approval for no reason. I had no suspicious activity which is the only legal reason to close an account against the customer. 
They never even physically saw me after I opened the account and had no legal basis to close it.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-04-06
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 applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies XXXX and Equifax refused to list the completely change the information accurately. XXXX and Equifax refused to correct what is on my report XXXX did so accurately after their investigation. As a result of Equifax specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my Equifax report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus XXXX and Equifax complied with the letter from XXXX Mortgage.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (IL)

I have disputed a collection from XXXX and XXXX and a collection from XXXX that appear on my credit reports numerous times for Identity Theft. I have a notation on my credit reports that this occurred. I found out from a previous employer that someone had been using my full identity for many months and had gone as far as filing an unemployment claim with the state of Illinois against my employer. The State of Illinois investigated and found that this was indeed Identity Theft. At that time, they advised that they had handled the issue, notated my records and I did not need to file a report with the local police. Since then, I have found out through my credit reports that that there were multiple loans and credit cards taken out around this same time using my stolen drivers license, social security card, and employer information and most of them were investigated and found to be due to Identity Theft and removed. However, these two continue to remain. Attached is a copy of the fraudulent unemployment claim that spanned from XXXX through XXXX. Please help.
Consumer complaint received 2022-10-21
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. (IA)

XXXX is telling Equifax the account was closed on XX/XX/XXXX but telling XXXX it was closed on XX/XX/XXXX. XXXX is reporting to Equifax that I made payment in XXXX, XXXX, and XXXX of 2020 and then says I was 60 days late in XXXX. 

How did XXXX close my account on 2 separate days? 
How can I make payment 3 straight months and then the following month be 60 days late?
Consumer complaint received 2017-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MD)

I purchased a vehicle in MD in XX/XX/XXXX. My credit was not good and I needed a vehicle because my previous one was out of service. I accepted a {$500.00} down payment with a 24.999 % interest rate. I was not financially literate at the time and just took what I could get to have a vehicle. The purchase price of the car was around XXXX and now over 4 years later of making on-time payments, I still owe a little overXXXX on the loan and the car is only worth $ XXXX- {$2000.00}. I do n't have gap insurance and I feel that I was a victim of predatory lending and need assistance. I have already paid over XXXX on this loan with over XXXX remaining. I want to get out of this loan, but my options are limited. I have even considered getting another car and returning this one to the finance company as a voluntary repo, but really do n't need another negative mark on my credit history. The car dealer involved was XXXX XXXX XXXX XXXX XXXX XXXX, MD and the finance company is Regional Acceptance Corporation based in NC, they are a subsidiary of BB & T bank. Any and all assistance will be greatly appreciated. 
Thank you.
Consumer complaint received 2022-05-23
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: DISCOVER BANK (MS)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the rights to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without written instructions 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 2022-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I filed a complaint with the CFPB in response into the false information that wells fargo put in a response for a previous complaint. Today I received a phone call from a rep telling me that she had till XXXX to get back to me. I asked her if wells fargo was going to take responsibility for wasting 18 months of my time and energy for lying and providing incorrect information to me. She said that any punishments would be in house within wells fargo. I asked about compensation due to the treatment from employees that have violated their code of ethics and got no response. How is this fair? They allow employees to treat customers so poorly and get away with it. Wouldn't this be a form of defrauding the customer? I know for a fact that I am not the only one that wells fargo has done this to. Lying to customers, providing false information to customers should all be punished and the customers that have been mistreated should be compensated for their time and trouble. How is it fair to let am company mistreat and abuse customers? Abuse does not have to be physical, but can also be mental. Wells fargo has been mentally abusing me for almost 19 months now, and what? They get a slap on the wrist? I have started asking other online about their experiences with wells fargo and guess what they are not all good. Im sure that the CFPB has been receiving numerous complaint regarding their business practices and their lack of customer service. When is enough going to be enough for the CFPB to do something? When will wells fargo be punished for what they do to customers on a daily basis? I gave wells fargo the chance to make this right. They had every opportunity but they chose to lie to me, they chose to pass me around to over 40 different employees there were ALL on different pages. Misinformation from almost everyone about what was actually going on XXXXIt just reinforces the fact that wells fargo does not care about theirs customers. Wells fargo needs to compensate me for the past 18 months of XXXX that I have put up with, all of the mental abuse they put me through, all of the lies that I was told. Enough is enough
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MN)

This regards a PayPal Credit account from Synchrony bank. I got an error message on XX/XX/XXXX when attempting to pay my bill in the XXXX XXXX app. My due date was XX/XX/XXXX, and I wasted a significant amount of time trying to make this work. I used text support three times. I also tried to pay the bill from my XXXX XXXX using both the XXXX browser and XXXX. 


The bank account I was trying to pay from is one I use routinely with my PayPal account. 

I called using the phone number on the PayPal site for PayPal credit this morning ( XX/XX/XXXX ). I spoke to someone who said she is hearing from multiple people that they are having this problem. In fact I paid my bill late last month because of the same problem. In paying it I incurred a fee by adding to my PayPal balance at a XXXX or XXXX in order to pay the bill from my balance. The operator today waived my late fee, and also took a payment over the phone from my bank account for {$46.00}. She was polite and clearly following scripts. However, she did address me as XXXX XXXX XXXX. I am an unmarried person who has huge ideological issues with marriage. It is an institution I have opted out of. I have in the past simply let banks know that I find that language profoundly offensive and wish simply to be called XXXX XXXX XXXX. At times such operators seem to be unfamiliar with XXXX as a title. I am just done with letting that sort of gender discrimination live in a simple correction. I really hate using the phone. I don't feel comfortable not speaking up about that errror and for me it is not a small thing. Please include that I hope Synchrony and PayPal will encourage their operators to use XXXX as default or to ask first what title people prefer before they inflict normative language such as XXXX on their customers. To be clear the operator was polite, I explained that I found it offensive, and to be honest she probably isn't based in the US, and didn't seem to be aware that such a thing could be offensive.
Consumer complaint received 2022-04-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I have never sent the trust document showing these guys where suppose to take care of my dad and i was sick and doing a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and wanting to sell my business and with XXXX XXXX in revenue for my business same as every year 14 years and nine years best yoga school of XXXX. the revenue XXXX was XXXX XXXX for XXXX XXXX in costs. but there is XXXX XXXX in revenue that goes to? if you look at the statements there will be XXXX in income in a month and XXXX in spending it and nothing but transfers. to noplace a manager gave me a transfer page that showed an extra transfer for every transfer. and any transfer without a not from me did not happen. 
My father and i built 5 yoga schools and we spent XXXX XXXX in 14 years and in 18 months there is XXXX XXXX gone but at the the loans on the house where to write of the XXXX income from my dads investments and these guys. started stealing that with my bookkeeper XXXX XXXX in XXXX and the first checks went to XXXX XXXX XXXX and where altered, then to XXXX XXXX  to launder the money for them, these guys had already stolen XXXX XXXX before they start the checks to the dummy account they opened ending XXXX I never deposited one check in that account. I never made one atm transfer these guys did, so here is the trust documents and again my sister my brother in law, my father and my ex wife all walked through the bank in both XXXX and XXXX and shown where everything was and who the trust managers where and two years later they deny the whole thing. 


so here is the orignal download to XXXX and i included just the payments to wells fargo this time and all the thing spent the cards from the original download to XXXX in XXXX I am plan to be the biggest thorn in their side till the day die ... their piece of garbage lawyers, the judges to my cases, IRS, FBI ic3 and law enforcement will recieve a full color printed version of the published blog with all the examples i cannlot get to reproduce on this site.
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I found out on XX/XX/XXXX that my checking account was blocked since XX/XX/XXXX. 
USAA did not provided an explanation for their actions, but I was told to use a www.usaa.com/idproof address to submit a picture identification document for processing to unblock the account and, stated that it should not take more that 3 days to unrestrict my account. 

Following their instruccions, I submmited my XXXX passport as a proof of a picture ID and placed a call on Tuesday XXXX to confirm receipt. I was told that by Thursday XX/XX/XXXX my account restriction would be removed. 

On Friday XX/XX/XXXX the account was, still, blocked. 
I decided to submmit again my ID proof. Late afternon, I found out that they are now using the submition placed on XX/XX/XXXX to add another 3 working days to free my account. In doing so, USAA are increasing the days to removed the blocked placed. 
I requested that they expedite process because I needed to have access to my Social Security XXXX check and to settle bill payments for the month end. 

I hold that account for 17 years with an impecable record. Also, have an excellent consumer credit rating for all these yeas doing business with them. 

All I am getting is excuses and adding working days to solve the problem. A simple two day issue has become two weeks now. 
In the meanwhile, my money and SS check is unjustifiable locked by USAA.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Delinquent account — 
Company: DISCOVER BANK (MI)

I had a credit card with Discover then they cancelled it. Acct no. XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
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: EQUIFAX, INC. (MI)

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

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-10-21
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. (AL)

In response to your response of XX/XX/2022 Student loans can not appear on my credit report when it is in violation of federal law. 
In your contract not only is there an error in the name which is grounds for deletion but section C, Item 13D, in the contract states it must be Permitted by law and federal does allow you to violate my privacy as a consumer which is a violation ( 15 U.S.C 1681a ). You are infringing on my privacy. 
You also did not loan me anything, it was a consumer credit extension, You do not have the authority to create or loan out credit. This means there was not a meeting of the minds through lack of FULL DISCLOSURE.
Consumer complaint received 2022-04-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FORD MOTOR CREDIT CO. (AR)

To whom this XXXX concern, I got on my phone and opened my bill pay app from XXXX and it said that I didn't have a payment due in the month of XXXX. So naturally I just thought I was XXXX month ahead. When I logged in today it showed that my account was more then 30 days past due. I made both payments today so that the account was current however we are never late on our payments and would not have been late this time if it wasn't for Fords app telling us that we didn't have a payment due. I'm not blaming XXXX, however I am blaming a faulty/malfunctioned app. In the current digital world that we live in, an update on a phone or an update to an app could cause this type of situation. This caused a XXXX point drop in my credit score and I have worked really hard on my credit, I would really appreciate some help with this matter. 

Thank you