davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit Reporting Agencies are required by law to remove & block any accounts and information which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove the Following items : XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX OF XXXX XXXX Balance Owed : {$0.00}. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX the federal government issued EIP3 payments through direct deposit, I recieved both my EIP1 and EIP2 payments to my correct checking account- but did not receive my EIP3 payment. 


I immediately filed a payment investigation with the Department of Treasury and the Bureau of Fiscal Services. I engaged both Tax Payer Advocate XXXX **** ( Case # ******* ) and Congresswoman XXXX XXXX via XXXX XXXX XXXX as Wells Fargo Executive Offices were unresponsive in completing the payment investigation with these federal agencies. On XX/XX/XXXX I recieved a response in regard to Congressional Inquiry ******** from Wells Fargo Case Specialist B. " Black '' advising that there was no record of EIP3 payment being deposited into my Wells Fargo Checking account ending in ****. This information was not sufficient for the U.S. Department of Treasury and the Bureau of Fiscal Services as they had confirmed that the payment was not deposited into my account ending in ****, but rather deposited into account **** which is completely unrelated to me.

This balance deposited into an alternate account incorrectly, and the amount needs to be recaptured and sent back to the Department of Treasury or the Bureau of Fiscal Services in order for correct payment to be reissued and sent to me. These federal agencies will not reissue payment to me without Wells Fargo 's cooperation in confirming they were sent and successfully deposited to the account in question and then sending the funds back. 


Due to this mistake I have not had access to {$4200.00} in emergency government funds throughout the pandemic. This issue, unless resolved will also create additional problems in the upcoming tax year.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

In XXXX I called chase and filed a dispute against XXXX XXXX XXXX. They answered the charge was too long ago in writing. Then asked for more info which I sent. They recently sent me another letter and it said claim closed, notifying other credit cards. I was so upset I tossed that 1. Thought I had no recourse. 
I texted them through my account 3 days ago and asked them to reconsider and just to try to back charge the company.. Hoping they would answer same way, more paper trail. But they called yesterday and the answer is NO. 
The charge is for {$7.00}, XXXX. It was made " XX/XX/XXXX '' but XXXX ( time of services ) IS " XX/XX/XXXX '' this year! I put $ deposit another {$200.00}. On A different credit card and have not tried to collect yet. 
I also have Travel ins. Through this credit card. I spoke to them also in XXXX and they say insolvemcy Not covered. The ins. Lady Said she shouldn't tell me this but stick to date of services. I did/have. I called back spoke to a manager got no where! My claim number is XXXX. I am also attaching 2 only paper trails I do have. They never added the amount back to my account as it says in 1 letter either Thank you XXXX XXXX ( aka XXXX ) XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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. (MO)

In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an account without my 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 purpose
Consumer complaint received 2022-03-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

So I was in XXXX at a club celebrating my XXXX XXXX subscribers and my birthday and a fight broke out in the club which made my purse get knocked over which made my phone slide on the ground, somebody stole my phone and made purchases on my XXXX XXXX ( debit card ) I called Wells Fargo and disputed the chargers they made on my account from my XXXX XXXX XXXX  ( stolen phone ) remind you my phone was my backup phone so its not turned on so its connected to my XXXX XXXX which I can received texts/calls from both phones, so any ways they denied my claim because they stated they needed prof because they only see one number connected to the account which is my XXXX, so they took it upon themselves to judge I never had more then 1 phone n I made the transactions, my XXXX XXXX is now XXXX and my bank is now XXXX because of reversal! Which was my car note money I have to pay asap, I called them and they told me send them proof from XXXX that I had more then 1 device on my ID Which is in lost Mode, I told XXXX they totally understood where I came from but they couldnt do to much because they aint understand why the Bank XXXX Wells Fargo XXXX Put booth my accounts in negative but they sent me my proof that I had 2 devices connected to my XXXX XXXX, I emailed them it and Im just waiting!
Consumer complaint received 2022-03-29
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. (GA)

I, XXXX XXXX, natural man/ woman have recently pulled my credit from Equifax and saw that they are reporting a bankruptcy. 
I have mailed the U.S. Bankruptcy Courts on XX/XX/XXXX2022 to ask them if they have any information about me and a bankruptcy and i also asked if they furnish information regarding public records to the credit reporting agencies. They have written me back on XX/XX/XXXX22 saying that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
I am left to believe that Equifax have never validated or verified these public record entries on my credit report. 

I am demanding that Equifax delete this bankruptcy from my consumer report immediately!
Consumer complaint received 2022-08-17
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. (AR)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

A small charge of {$21.00} was made to my Macy 's XXXX account on XX/XX/2022. On XX/XX/XXXX, I discovered that there was a late payment on my credit report from an alert that came to my mobile device from XXXX. Upon discovering this, I immediately called the creditor and made payment explaining to them that I had not received a letter, email, or phone call letting me know that payment was late. 

After reviewing over XXXX emails I received from Macy 's since my purchase, I only found 3 emails with the generic subject " Your Macy 's American Express Card Statement ''. All these emails ended up in a separate " Promotions '' folder in my inbox. These emails also show no balance due or indicate urgency that payment is due/late. I called their credit department explaining this and to see if they could correct my credit report by removing the late payment. I received a letter on XX/XX/XXXX stating that they would not clear it. 

On XX/XX/XXXX I called again. The initial representative encouraged me to talk to their credit department again but they were steadfast in their decision to not remove the derogatory mark. To that end, I canceled the card in frustration. 

In my opinion, creditors should not solely rely on generic emails to indicate something urgent to their customers. This creditor only sends monthly bills that all look the same with no indication of a balance and they can easily get lost in all the other promotions that are sent from them. They send no follow-up emails to clearly show your payment is late. This is the least they could do, but I would fully expect that they would send a letter in the mail or make a phone call PRIOR to notifying the credit bureau so the issue can be rectified. Most customers don't mean to pay late. My credit score was in the XXXX 's and it is a priority for me to pay my bills on time. With this, my credit score was adversely affected by XXXX points. It is unfortunate we could not come to an amicable solution so I want to file a formal complaint.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (MA)

On XX/XX/21 I made an online purchase through XXXX for two pairs of XXXX  XXXX XXXX  for the total amount of {$53.00}. I initiated a return on XX/XX/21 because both items were not as advertised and shipped items back on XX/XX/21 by USPS. The seller received both items on XX/XX/21 and was refunded for the total amount of {$53.00} back to its original form of payment which was TJX Rewards Mastercard. 

I was being billed for items that I had already returned and opened a dispute charge and mailed me a letter requesting the return delivery confirmation with the return tracking information. 

On XX/XX/21, I faxed TJX what was requested on the letter and also mailed to them the letter that was faxed to them along with a copy of the USPS receipt proof of returned items and copy of XXXX transaction receipt, return and refunded back to original payment. 

After all the proof that I have provided, TJX is still wrongfully charging me for the amount of {$53.00}.
Consumer complaint received 2022-09-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (KY)

In XX/XX/2020 I traded in my vehicle financed through Carmax Auto Finance. I never missed a payment on that vehicle, but Carmax added daily finances charges of several hundred dollars after the dealership who sold me my new car paid off the Carmax loan and accepted my old vehicle as a trade. Even though I never missed a payment, Carmax counted me as 60 days past due over a couple of hundred dollars. Carmax closed my online portal, so I had no idea that I owed the money until it showed up on my credit report. I have contacted Carmax numerous times to explain what happened, and they said they will not remove the account they're calling " delinquent '' over a couple of hundred dollars. There is NO WAY I could possibly have known that between the time the dealership paid off my Carmax loan and when the account was closed, I was accruing additional charges. Please take this off my report. I think the pandemic played a big role here as well, because the dealership said that the mail/payoff check to Carmax might have been delayed for a few days. I have attached proof that I paid all of the loans on time. Thanks so much!
Consumer complaint received 2022-04-29
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 accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ACCOUNT # XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-25
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. (NC)

Ever since I started disputing things on my credit report, suddenly I can not pull my equifax credit report & when I log into my equifax, there is NO information. Not even lenders can pull my equifax report. This is huge problem as I can't do the things I want to do if lenders can't pull my credit report. I tried calling but they were no help at all!! This needs to be fixed!!
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (FL)

I opened an ApplePay account in XX/XX/2022. Goldman Sachs keeps putting charges on the card ( {$4.00} monthly and {$29.00} once ) there is no description of any of the charges. I have yet to use the card. 

They told me the only way to pay is to give Goldman Sachs access to my bank account and have them take the money out. 

I have called multiple times and they will not mail me a physical statement. 

I finally got them to email me a bill. They emailed me a bill for {$9.00} that states that it is due XX/XX/2022. They reported me delinquent on XX/XX/2022. 

The charges on the card are all in dispute. Goldman Sachs is threating me with this mark on my perfect credit -- this is blackmail.
Consumer complaint received 2021-10-14
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-10-24
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: DISCOVER BANK (FL)

To Whom it may concern : I recently received a Copy of my ( XXXX, XXXX and XXXX ) Credit report, and I noticed some late payment posted on my credit report : Credit Car Account : ( Discover IT ). Card ending in XXXX Showing late on the following dates ; XXXX XXXX *XXXX  XXXX, XXXX XXXX XXXX, XXXX * XX/XX/XXXX XXXX XXXX *XXXX  XXXX, XXXX *XXXX  XXXX, XXXX. 
Credit Car account ; ( XXXX XXXX XXXX ) ending XXXX Showing late on the following dates. 
*XXXX  XXXX *XXXX XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX The companies is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to 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. 

Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2022-03-25
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-25
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. (TX)

In accordance with the Fair Credit Reporting act XXXX 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 15 U.S.C 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 2022-04-28
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: JPMORGAN CHASE & CO. (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for anv purpose.
Consumer complaint received 2023-03-15
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. (CA)

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$960.00} XXXX XXXX XXXXXXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$290.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-03-24
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (PA)

I was part of a class action lawsuit against my mortgage company. I went into contract for my home with XXXX XXXX XXXXt and I was part of a class action lawsuit against my mortgage company for predatory loaning and fraudulent activities to which XXXX XXXX homes were ultimately awarded to the victims. I was under court order to stop paying my mortgage while litigation was taking place. I was fighting with XXXX XXXXy before the court order because the house they sold me was way worse then what they said and I had to spend roughly 30,000 dollars to renovate enough to be able to move in and during that time I had to pay rent to live elsewhere pay for construction and pay my mortgage. I am not the only victim here my property is listed in this court order.