davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I did not open XXXX XXXX  account # XXXX This is a fraudulent account I did not give this creditor written consent to access my credit file According to the FRCA The Term " Investigate consumer report " Means a consumer report or portion Thereof In which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items or information They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece Of information on this account are still not reporting 100 % accurate and according to the FRCA 15 U.S.C 1681 everything has to be accurate Account XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/2021, I ( the seller ) was selling a product. The buyer, interested in the product, wanted to complete the payment through XXXX Banking. This was my first time using XXXX Banking, in which I used it through the Wells Fargo Banking app, thinking it would be a safe choice. The total for the buyer came to {$1000.00}. On XX/XX/2021, the buyer said she processed this payment. I received an email minutes later from an imposter. I thought this email was valid and reliable as it was sent using XXXX 's email and had their logo. ( Refer to Attachment # 1 for the first email received ). This email stated that my account should be updated to a business account, but a minimum of {$2000.00} is required. The difference of {$970.00} was 'paid ' by the buyer, and I would refund that account. Once all payments have been made from both parties, both parties would receive their money. This fraudulent email forced me to take action. 
I stated to the buyer that I did not want to follow through with this, however, she said it was too late, she had already paid the {$970.00}, and we need to follow through. ( Refer to Attachment # 2 ). The next day, XX/XX/2021, I received an email from the fake XXXX email saying the buyer was charged {$970.00} XXXX times, and I would need to send it once more to refund her account. Once again, once all parties have paid, I would get my money refunded, and she would get hers. Therefore, the fraudulent email made me take action of paying {$970.00}, again. ( Refer to Attachment # 3 for the second email received ). 

In all, this means I lost a total of {$1900.00} toward fraudulent activity. 

I asked the 'buyer ' to please send back the money since it was a fraudulent attack. The buyer refused to comply with the request. 

After discovering this was fraudulent activity, I immediately contacted Wells Fargo and explained my situation. They filed each claim ( each payment as its own claim ), as told me it would be credited in XXXX to XXXX business days. The tenth business day came, and I have heard nothing from Wells Fargo. When I called the bank to ask the status of my claims, the banker answered they were closed out because " there was no banking error. '' Minutes later I contacted the claims department directly to get more answers. I later found out that Wells Fargo reached out to XXXX to let them know there was fraudulent activity using their banking and the receiving financial institution asking for the funds to be returned. I was told that if the 'buyer ' had already withdrawn the funds, there was nothing else that could be done, despite any type of consumer protection.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
Consumer complaint received 2023-05-25
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 Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

On XX/XX/2021 I submitted a dispute to the 3 credit bureaus. They have yet to respond to my complaint. I need in written if they were able to verify the accurate of the accounts in my dispute. I need to know the following informations. 

How did you verify these inaccurate accounts? 

Did you talk to the court and if you did who did you talk with at the court? 

Were you required to pay a fee to obtain the bankruptcy papers? 

Can you provide me with the contact number and name of the person you talked to?
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs to remove in my file : 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$41.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$83.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXXXX Balance : {$910.00} XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$200.00}
Consumer complaint received 2022-12-28
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. (OH)

Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.
Consumer complaint received 2020-12-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CHECK INTO CASH INC. (TN)

I don't have the exact date, but around XX/XX/2020, I personally hand delivered a written notification to Check Into Cash at XXXX XXXX XXXX, XXXX XXXX and XXXX I handed it to a male who worked there and advised him that several months earlier I had already verbally requested the business to stop all ACH payments coming out of my checking account. I was now giving them this notification in writing. I had been told several times by this same male and others that to stop an ACH payment was simply a courtesy, that it wasn't mandatory. After I researched the law and saw that I definitely could stop the ACH payments, I then delivered the written notice and told him that he and others had lied to me about me having the right to stop all ACH drafts. This time, since he knew I had researched the law, he agree with me and said he didn't remember telling me that. He agreed that I had the absolute right to stop them. I gave him the notice and left the business. On or about XX/XX/XXXX or XXXX, I put a stop payment on my account just in case Check into Cash continued after my giving them the written notification. On XX/XX/2020, I checked my mobile bank account and noticed that Check into Cash had attempted to withdraw {$1000.00} from my account. I called my back to make sure the stop payment was in effect. I was told it was, and on XX/XX/2020 the money was put back in my account due to the stop payment. My complaint is that first of all, they told me more than once they were just providing me a courtesy by suspending ACH payments, and two, after me giving written notification to permanently stop all ACH payments, on XX/XX/XXXX, had the audacity to try it again against my will and without my consent.
Consumer complaint received 2021-02-24
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. (GA)

I got a copy of my credit report. I notice unauthorized inquiries was placed on my credit report. I did not consent to, authorize, nor benefit from any of the following Inquiries. Block and remove them immediately Under 15 U.S. Code 1681c2. Under 15 U.S. Code 1681a-2 my reputation is ruin because there are inaccurate inquiries reporting on my file.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

I applied for a online loan and they put funds into my account which was available right away but the amount they had sent was not what they told me that I was approved of. The date was XX/XX/XXXX and there was nothing that made me think that something was wrong because PNC bank made me think that it was cashed and available until a few days later they put a provisional credit for the same amount for what the loan was for and now that I have sent back the money to the loan company which I found out it was a scammed company I am out of my money and the bank is telling me that I am not going to be able to retrieve the money back because it is not insured for these types of problems. So, I asked the person from the bank so anyone one can just get money out of anyone 's account, and you will cash it but later on reverse it so that you all can make money. It seems like they are working with the hackers and scammers so that they can charge their customers overdraft fees and checks that they have cashed but later on make it a false check. I am XXXX and I had to cancel some very urgent appointments with my XXXX XXXX  which I have a serious XXXX coming up and I had to call my pharmacy and explain my situation so I can get my medications for my XXXX XXXX and my XXXX. All I want is my money back and them to make things right.
Consumer complaint received 2022-07-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (OH)

21st Mortgage has been harassing both myself and my wife with multiple phone calls daily if we are so much as a day late on our mortgage payment. We have tried to work with them and explain the situation as I recently lost my job, however, they refuse to do anything for us and start to become hostile when we explain we can not pay it yet. We attempted to pay our mortgage payment of {$690.00} that was due on XX/XX/2022 today ( XX/XX/2022 ) and they initially refused payment and got hostile with us regarding our situation. This abuse has just made the situation far worse and the stress from receiving multiple calls a day is awful. They have also lied and said they do not call more than once a day but our phone records prove that this is not true. I have never had another company harass or abuse me this much in my life, and I hope action is taken against them.
Consumer complaint received 2022-07-15
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. (TX)

I have contacted the bureaus numerous times informing them that account for XXXX XXXX, Acct # XXXX is reporting inaccurate information on my credit report. It is a Charged Off/Closed Account showing a Past Due amount of {$1500.00}. Reporting this is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, therefore any information that is not true, accurate and verifiable is required to be removed and after 3 months of requesting that they do so they are still reporting inaccurate information with numerous other violations as well to which it is severely hurting my credit.
Consumer complaint received 2021-02-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I got a copy of my credit report. I notice unauthorized inquiries was placed on my credit report. I did not consent to, authorize, nor benefit from any of the following Inquiries. Block and remove them immediately Under 15 U.S. Code 1681c2. Under 15 U.S. Code 1681a-2 my reputation is ruin because there are inaccurate inquiries reporting on my file.
Consumer complaint received 2022-08-20
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP (NC)

Hello, my name is XXXX XXXX XXXX XXXXAm XXXX XXXX XXXX and i was given the US bank focus card by my boss and they payed me there but as soon as i was paid money was use from my account about XXXX something and i called the US bank focus card to dispute the transcation and please replace my card .they said i had to wait 5 days before i can dispute the transcript i said ok but they order a new card for me on the XX/XX/2022 and told me to wait for 7 to 10 days to get my card i said ok .On the 6th day i called them to ask about my card the lady said and told them i had to pay for my fees at my XXXX school and i had my dads birthday coming up i need to use the money in the card .she check her system and told me to wait Ill receive it the next day, I waited, I didnt receive it the next day i called on the 8 day they told me I cant receive cards on weekends I would have to wait till Monday Ill receive it on Monday didnt receive it on Monday, called them on Tuesday they said Ill receive it by the end of the day they kept of lying to me till today the XXXX of XXXX and still havent started my school yet .I called them today and still kept me hanging. They are very decitful.
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO. (TX)

In XXXX, XXXX, I leased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Tx. I made a substantial down payment. In XXXX, XXXX, the check engine light came on. I took the car into the service department and they kept it for a few days and told me that they couldn't find why the check engine light was on. I got the vehicle back from service and the light was off. In XXXX, XXXX, the check engine light came back on. I took the car back to service and they kept it for approximately a week and called me to pick the vehicle up and they still had not diagnosed the trouble. In XX/XX/XXXX, I was driving from XXXX to XXXX and the vehicle was stalling and the check engine light came back on. I had to turn around and try to get back to XXXX because I did not know what was happening. The service department was closed for the holidays but I took the vehicle to service as soon they opened for business. My service advisor was XXXX. I also advised him that the radio was going on and off as if it had a short in it. They repaired the radio but still had no answer to the " check engine light ''. In XXXX of XXXX, the vehicle was stalling again and the check engine light was back on. 
I took the car back to the service department and told them not to call me until they could diagnose the problem. 
I did not hear from them. I went into the finance department and ask if I could end my lease and that I was willing to pay any fees that I owed..I just wanted out of that LEMON! The people in the office kept telling me that I needed to talk to the Manager. I sat and waited for hours to speak with the XXXX XXXX. After waiting, I was then told that I needed to speak with the lady that wrote the lease. Every time I would call to make an appointment with her, they would say " she's not in ''. 
The vehicle was still in service and I did not get any updates or nothing. I finally called them in XXXX and ask if they had diagnosed the problem and I was told that the vehicle was no longer there ... that they had SOLD it. 

Now Lincoln Financial Automotive keeps billing me {$16000.00} and has put it on my credit report. I hired a Lemon Law attorney but he did not follow through.

This is NOT fair to me and every time I try to call Lincoln Financial, they pretend that they can't find my account. 

This has been a nightmare for me. I am just reaching out to anyone that I feel might be able to help me. 

sincerely, XXXX XXXX
Consumer complaint received 2021-02-24
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: Experian Information Solutions Inc. (MI)

I first contacted XXXX XXXX  to ask about one of there credit cards base on my credit they instructed me to go on line in fill out an application they also told me they would not attempt to make a inquiry from the three credit bureaus about credit worthiness intel I was sure I what the card. After that I got an alert from Experian indicating me that my credit sore drop 39 point I WAS COMPLETY OUT DONE. I've had many inquiry before car loan, personal loans, ect. Yet never has my credit score drop 39 points, in addition I never gave XXXXXXXX XXXX consent to pull my credit. I fill strongly deceive by both XXXX XXXX, as well as Experian. I tried reaching to Experian to there supervisor XXXX XXXX via email but he has never replied. I talk with XXXX XXXX they told me that they would have Experian remove the inquiry immediately. Yet they have not I'm asking CFPB to have Experian to remove this enquiry off of my credit report Now. I can be reach at XXXX XXXX XXXX or via email, XXXX Thanking you in advance XXXX XXXX.