davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-20
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: SYNCHRONY FINANCIAL (AZ)

Someone in the State of New York applied for a credit account through Synchrony Financial. I have contacted Synchrony on XXXX different occasions and verified this was fraudulent activity. Each time I was told it would be handled and the hard inquiry on my credit report would be removed. 

I live Arizona, and it was clear to see the name and address used to open the account was not me. They have still not removed the inquiry and I have never received any follow up correspondence, even though they said I would receive a letter. They didnt even have a record of the first time I called and made the dispute with them when I called the second time. They are not interested in protecting consumers from fraud it would seem.
Consumer complaint received 2022-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Ive been banking with WF for 15 years. I was a victim of a XXXX through Wells Fargo. 
I found complaints with all the different organizations including the cfpb and was denied my claim. 
I have discovered additional information regarding this case that Wells Fargo has closed. 
The text message the scammers sent me is on the same chain link of messages that Wells Fargo has been sending to me for years. That means the scammers hacked into Wells Fargo text message center..!!! 
Also... The authorization code the scammer sent me.. I did not approve that transaction, I was tricked and coerced into sending that money. 
Regulation E, And unauthorized ETF includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. 
I was fraudulently induced into sharing account access information by third party scammer. 

the bank must reimburse the money I lost through the scam
Consumer complaint received 2021-09-02
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-08-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IL)

I was following an account on XXXX XXXX They offered credit repair, credit sweep, tradelines, cpn, help with obtaining auto loans, help with finding a co-signer for student and personal loans.On XXXX XXXX,2019 I purchased two tradelines and I was told that I will be added as an authorized user to two credit cards and will also be able to use them for my personal use but would be responsible for my charges and accounts will be in my possession and stay on my credit report for 12 months. Owner of the account sent me a request through Zelle for an amount of XXXX. She confirmed receipt of funds and later sent me a text stating that everything is all set and I should expect cards in the mail and gave me log in instructions to follow after cards would come.We later agreed that next week I would get more information on how to purchase a product that their website XXXX offers for obtaining a co-signer for a student loan and a personal loan. On XXXX XXXX,2019 owner of the account texted me saying that her XXXX account was deleted and even though she is on vacation, she will be available and will proceed on fulfilling her duites after I make a payment for those two products. I was told that it will take about 2 business days to receive funds. She sent me another request for Zelle but she said it was from her other Zelle account.  I paid XXXX for those products.  Few hours later I called and texted to see if she needs any information from me in order to proceed.  No response. I called next morning, no answer. After I hung up, this woman called and started yelling and cursing at me for bothering her on her vacation and that because of this she will block me and she won't be proceeding with any of her responsibilities. Later on she got her XXXX account back but under XXXX  name.  I have tried calling her.  She did block me from her number that was listed on her website XXXX. I kept sending messages through her contact link on her website and no response.  Few days later, I saw on her website that the number had been changed to XXXX.  I called that number and the woman answered.  After I told her who I was, she started yelling and cursing at me telling me that she doesn't care if I spent money on her products and that she has no intention of fulfilling her obligations and that if I called her again there will be actions done against me.In the past 3 weeks I tried to contact XXXX Zelle and XXXX (company that she has her domain from) asking for help in recovering my funds as it is very clear that this is simple internet fraud.  All three refused basically telling me that this is my problem.
Consumer complaint received 2022-03-20
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: Simon's Agency, Inc. (NJ)

I recently checked my XXXX credit report and found a total of XXXX collection accounts that date back to XXXX and XXXX. The Agency is Simon 's Agency, XXXX XXXX XXXX. XXXX, NY XXXX. The phone number is XXXX. The XXXX accounts were all from the same Company, XXXX XXXX. Since I was in the hospital  for XXXX XXXX during that time period, I am assuming it was related to that. I did have Insurance and I believe I had payed everything that was due. One of those charges was for {$420.00} which I can't understand that I owe as I had Insurance that should have covered the expenses if they are even related to me. I called Simon 's and they were not helpful to say the least. They E-mailed me a bill that did not help one bit, as it did not mention what the charges were for, who did them and what was done, were they denied by the Insurance company and if so, why? I filed a complaint with XXXX and I was told to contact Simon 's agency for copies of my bill. I did that, got nowhere with them. They told me they will mail me the information, but I recieved the same balance sheet they had faxed. It in no way explained any part of my bill so I can't even check into it. I called XXXX XXXX and the phone was disconnected. I called the Hospital and they Informed me that they no longer do business with XXXX XXXX and that they are out of business. The hospital also said I do not owe them anything from back then. I need Simon 's agency to send me copies of the XXXX bills with the proper medical coding so I can submit them to my Insurance Company or challenge them if they are not my biils. If they can't do that than the XXXX accounts in collections should be removed from my credit repoirts.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I received a check from the city of XXXX ( XXXX XXXX program ) as I tried to cash my check I was told that they couldnt cash it unless I was a customer of chase. At that time I opened a checking account with chase so that I could deposit the check. After depositing the check I tried to login to the my online account and got a error message stating suspicious activity and giving a number to call.. I called the number and was placed on hold for two hours inwhich the bank had closed. On XX/XX/22 I called and was place in line for a call back which took 1hr and was told I needed to contact the fraud department and was given the exact same number I had called to receive a call back. This service unacceptable! I need answers on my account
Consumer complaint received 2022-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

in accordinace with the fair credit reporting act. XXXX XXXX XXXX  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 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 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
AMERICAN EXPRESS XXXX & AMERICAN EXPRESS XXXX
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that HUNTER WARFIELD would verify the debt. So I took it upon myself to ask HUNTER WARFIELD for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2021-09-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (TX)

On XX/XX/XXXX, I, XXXX XXXX, a consumer and the original creditor requested a validation of debt from Federal Loan Servicing. I applied for a student loan through FAFSA which stands for Free Application for Federal Student Aid which may be deemed very misleading pursuant to 15 USC 1692e.

Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums unless FED LOAN SERVICING wants to inform XXXX XXXX XXXX XXXX, CONSUMER, that any efforts to collect a debt is terminated and the debt collector, FED LOAN SERVICING, intends to invoke my remedies. 

I have also attached a copy of my debt validation request and cease & desist demand below which was sent to FEDERAL LOAN SERVICING via Certified Mail # XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX XXXX XXXX, it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-03
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. (NY)

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 2021-09-02
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, XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, Equifax XX/XX/2021. 
Pursuant to all the facts I stated above, here are my written instructions as to what I, a consumer in fact want removed from my report immediately. I also DO NOT authorize any automated response or e- Oscar verification method.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX  XXXX-Date of inquiry XX/XX/2020 XXXX XXXX XXXXDate of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/2020 XXXX-Date of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020 XXXXDate of inquiry XX/XX/2020
Consumer complaint received 2021-09-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (NY)

I am XXXX XXXX the natural person, consumer and original creditor submitting this complaint. This organization has contacted me without my direct consent also sent a letter containing numerous consumer violations violations and they have in fact invaded my right to privacy as well as several other violations in a debt collection attempt. Envoking my specified remedy pursuant 15 USC 1692k as a consumer set forth in the attached affidavit of truth also mailed by certified mailed to company I demand that action be taken into resolving this matter within 10 days.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1500.00}
Consumer complaint received 2022-03-01
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. (CA)

I have two accounts on my credit report that are reporting information that is illegally being reported to my credit report hence withholding me from seeking new lines of credit. Equifax IS BREAKING THE LAW. The accounts are from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX with the account number XXXX and XXXX XXXX XXXX  with the account number XXXX. Equifax is in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is indeed identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Therefore, I, XXXX XXXX, never gave Equifax any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see an affidavit singed by a Equifax supervisor or executive detailing where I gave Equifax written consent to transfer my identification. You have violated U.S. Code 1028A. I have tried relentlessly to remove these accounts with the credit bureau and original creditor and they have failed to remove the accounts from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  account and XXXX XXXX XXXX that they illegally furnished via my credit report. I will not be extending my credit report to anyone if this can not be resolved expeditiously.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRY COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX AF-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX AF-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

I submitted a dispute to Equifax, XXXX, and XXXX to validate the inaccurate items on my credit report on XX/XX/2021. On XX/XX/2021, I sent another request to have inaccurate items on my credit report validated or deleted. It has now been over 30 days and I have not received any response. They are in violation of the FCRA.