davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-12
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. (CA)

I have sent credit bureaus letters since the beginning of XXXX. To this date, I have sent FOUR letters to EACH, which I let them know what the errors are. All the bureuas have done is change numbers in the accounts which are STILL wrong ( date of last activity, amounts, balances, last reported, date opened, some show open status but are collections etc. ) I still see everything on my report so I am reaching out to you, in hopes of resolving the issue and getting these accounts DELETED from my reports. I have attached my report so you can see exactly. 

I sent letters on XXXX XXXX XXXX XXXX ACCOUNTS WITH ERRORS THAT SHOULD BE DELETED. 

XXXX XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-11
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. (GA)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-04-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I recently moved from my previous Bank XXXX to Citibank to get the {$300.00} dollars promotion if I deposited {$15000.00} into my checking account. So I took my entire lift savings of {$20000.00} dollars from XXXX into Citibank, through a cashier check. 2-3 days later I tried using my Citi debit card to buy medication for my mom because shes in the hospital, it stopped working. I immediately called Citibank and found out my account is frozen due to suspicious activity. Citibank told me that this problem would be resolved within 24-48 hours. It has been 4 days. I even offered to provide any documents necessary to expedite the process. Every time I call they keep telling me it will be 24-48 hours, they would actually hang up on me. Please help me, this is my entire life savings and I dont have any form to pay my bills and I would hate to lose my home. They are holding me hostage right now. I honestly feel like I was scam from Citibank. I feel like Im not the only one Citibank is doing this too. Please help. Thank you
Consumer complaint received 2021-07-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (PA)

On or about mid-year of XXXX, I became aware that Wells Fargo was attempting to foreclose on my mother 's home due to an unpaid mortgage in the amount of {$36000.00} in my name. The date of the loan transaction is list as XX/XX/XXXX, however, the recorded date of the mortgage is listed as XX/XX/XXXX. 

While trying to get an understanding and documents from Wells Fargo that could explain how this transaction took place without my knowledge, the bank continued to notify my mother about their intent to foreclose on her home. 

I reached out to a couple attorneys and acted on the advice to participated in a city sponsored mortgage retention program that stopped the foreclosure notices, and we were assigned a Housing Counselor, however, because I do not own the property and my mother is not a party to the debt the program wasn't able to assist in resolving the issue. 

To avoid any foreclosure process from resuming, I consulted with an attorney and elected to file a ChapterXXXX Bankruptcy, believing this would give me the protection from a foreclosure and the time I needed to track this mortgage from its origination date. Unfortunately, when I contacted Wells Fargo and requested the loan origination documents I was told they did not have my loan origination documents. 

Even thou this mortgage was in dispute ; Wells Fargo sold this mortgage to XXXX XXXX. Once that accrued, I was able to get documents issued by Wells Fargo 's Title Service instructing Wells Fargo they CAN NOT record a mortgage in my name without a DEED conveying the property to me. However, what Wells Fargo did instead of following their Title Service instructions, they edited the original mortgage by adding my mother 's name on the front page and added three ( 3 ) additions pages to the back of the mortgage and none of the edits were initialed by my mother or me.

This transaction is similar to if not the same as what the former CEO of Wells Fargo admitted to in front of Congress, where he stated bank employees created " Debt Instruments and Financial Obligations " in their depositor 's name without their knowledge.
Consumer complaint received 2021-07-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (CA)

You would think Wells Fargo would have learned not to maintain bogus fee-charging accounts for its clients after multiple years of scandals. But it just continues... My business has an equity line, which charges an annual fee if funds are drawn. The balance is XXXX. I've asked the bank in writing to close the equity line so that I do not incur future fees. They have refused to close this open account - apparently they have some internal policy which they are clinging to, trying to justify their refusal to take action. How complicated is this? I don't recall agreeing to be subjected to more fees because a bank can't manage their own internal policies. Please close the equity line, end of story, I don't want to be charged more fees....
Consumer complaint received 2021-06-16
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: I.C. System, Inc. (FL)

This morning ( XX/XX/XXXX ) I got a notification from XXXX that a new collection was added to my credit report on XXXX. Since I am trying to prevent any new collections to my credit and trying to fix them before they get to this point, I went to this right away. The collection showed up as I.C. System, Inc XXXX XXXX. XXXX XXXX, XXXX XXXX MN ) for an amount of {$100.00}. No other information showed up for the business I owed the amount to, date of services, or anything. I didn't recognize anything and knew I had never received any documentation from I.C. System for any collection activity. I looked them up right away on XXXX and contacted them to see what they could provide in terms of who I may have owed, when they would have sent me any information about it, etc. I called XXXX this morning ( XX/XX/XXXX at exactly XXXX XXXX  central time ) and spoke to someone who asked my name a few times and where I was located then put me on hold and transferred me without telling me why. I was then transferred to XXXX who again asked me the same questions and then told me she could not find any account for me. I asked if they would be removing this account from my credit report since there was no information on me and she said she couldn't do that. The incorrect information will be staying on my credit report even though it is not my account. I am assuming that it is just a matter of time before it is added onto the other 2 credit reporting agencies and lowers my score on those as well.
Consumer complaint received 2022-04-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (KY)

I left the XXXX apartments in XX/XX/2017 owing nothing! And along comes this collection for {$270.00} from Capital Accounts. So I ask for an itemized breakdown of all charges & fees that total {$270.00} and a copy of the original lease agreement I signed. 

All I receive is a boiler plate letter with the amount {$270.00} no breakdown or lease agreement! 

I have disputed this several times through the credit bureaus, asking for an investigation, but it is always validated with no proof.
Consumer complaint received 2021-06-16
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. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-06-15
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)

On XX/XX/XXXX, I forwarded a dispute letter to Equifax regarding a credit card that I satisfactory paid off and attached a copy of the receipt with the dispute letter. I received a response in XXXX of XXXX stating that the information was verified and the account was updated with the changes. I pulled my annual credit report in XX/XX/XXXX and I noticed that not only was the XXXX XXXX account still on my credit report as a " Charge-Off '' but the balance was wrong and it did not display any corrections that I was informed of in XX/XX/XXXX. I submitted another dispute letter to Equifax on XX/XX/XXXX, requesting that they correct my report to reflect that my account was satisfactorily paid in full and remove the charge off on my report as noted on the receipt. On XX/XX/XXXX, I received a letter from Equifax stating " THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX CREDIT FILE ''. The credit reporting agency falsified their statement, but the incorrect information is still on my credit report. It is hurting my credit score and ability to obtain credit.
Consumer complaint received 2022-04-05
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NH)

Paid a friend a bill for {$300.00} through PayPal, got a notification several days later that the bank denied the payment when they tried to collect. I tried it again and also called the bank which assured me there was no problem on their end, however the same thing happened another two times. Also sat on hold for a half hour with no answer. The other day I get a letter in the mail from a collection agency for the {$300.00}. I was livid, so I contacted PayPal again because it wasn't accepting my bank account or debit card. I was finally able to request money from myself for lack of a better term to add to my negative balance and pay it off. Today I have discovered they have not only charged me for that, but they have charged me an additional payment of {$300.00}. I have filed a dispute with XXXX XXXX. I feel that somebody from PayPal needs to get back to me on this because this has been unacceptable.
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2021 I payed a credit card bill to First XXXX Bank for the amount of XXXX. The next day I deposited XXXX cash in my checking at Chase JP Morgan ATM at XXXX XXXX & XXXX XXXX. in XXXX Az. When I looked at my receipt my bank account was XXXX to the negative when in actuality I should have had over 400.00 to the positive in my account. My account was charged 125.99 cents 21 times on the same day. I went to the bank and they took off a few charges. Persons name was XXXX XXXX believe. He was one of the persons in charge back in the nice offices. Still in a negative balance I want to know why this happened, I was told a computer glitch. After multiple calls to Customer Service Reps we were able to get the charges lower. I then reached the Executive Offices and spoke with XXXX who is a Exec. Assistant and she said she would look into it and see what she could find out. XXXX returned my call a few days later and told me that this computer glitch affected 2 people, me and someone who she could not tell me who for obvious security reasons.So basically I was without access to my account for well over a week and could not make any payments for all my other bills. I have lost XXXX points in my credit score from this to which they have no answer. This money taken from my account has caused me to lose late fees, caused enormous grief and stress and on top of that I have XXXX XXXX during this time.
Consumer complaint received 2021-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc. (CA)

Real time resolutions sent me a letter by mail stating that I owed this alleged debt violating my rights under 15 usc 1692b ( 2 ) & 15 usc 1692c ( a ). Sent a cease and desist and continue to contact me after violating 15 use 1692c ( c ) has yet been able to validate the debt under 15 usc 1692g. Sent me photo copied contracts that I never seen before violating 15 usc 1692e. Continues to report this alleged debt on my credit report harming my reputation violating 15 usc 1692d ( 1 ).

It is Fraud for a debt collector to furnish an unvalidated debt violation 15 usc 1692d ( 1 )
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KS)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2021-06-15
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)

I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2022-04-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Roquemore Holdings LLC (IL)

A lady named XXXX called my mom ( unrelated to this issue ), and called myself at work. Their attempt to repossess a vehicle that is not theirs has been harassing and abusive to me as a consumer, pursuant 15 USC 1692d. Also they are in violation of 15 USC 1692e. They claim they are not a debt collector but pursuant 15 USC 1692a ( 6 ) states, The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant 15 USC 1692a ( 5 ), The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. The repossession/collection of the vehicle is a collection of debt. I have not given anyone permission to share and use my information in regard to this alleged debt. If anyone communicates with me or my family again, I will pursue with legal action. CEASE AND DESIST ALL FUTURE CALLS, MAIL, ETC PURSUANT 15 USC 1692C.
Consumer complaint received 2021-06-15
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

During an online search, XX/XX/2021, my computer was hacked into and the thieves transferred {$1900.00} from my savings account and then executed an International Wire Transfer from my checking account to XXXX in the amount of {$10000.00}. Within two hours of this transaction I was at Chase Bank to report the theft. The branch manager told me right away that I am liable for the funds because International Wires are not covered. Now Chase Bank refuses to return any money citing " ... I did not properly set up alerts on my account.. ''. I believe I have rights under the Electronic Transfer Act - Regulation E and am seeking help with this matter. Chase has simply shut me down. 
I have exhausted all avenues and spent about 20 to 30 hours on hold, transfers etc. through Chase Bank filing fraud report claims etc.
Consumer complaint received 2021-06-15
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. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Consumer complaint received 2021-06-29
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 (GA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX XXXX this company has had my money for almost 365 days now since please allow me to withdraw the rest of my money no reason it should be held any longer need money for bills.