davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Signature Bank (NY) (PA)

I Wired {$24000.00} to XXXX XXXX, XXXX on behalf of Signature Bank on XX/XX/2022. I forgot to add my account identifier XXXX to the memo field and I informed Signature Bank with a phone call to look into my wire. The Branch manager at Signature Bank refused to even look into it and told me to contact my bank. My bank simply said all Signature bank has to do is look at the wire tracking # ( same as fedwire # ) XXXX
Consumer complaint received 2022-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CA)

Several accounts were opened in my name and with my personal information without my consent or knowledge on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. When I found this out in the month of XXXX of XXXX or XXXX ( I believe it was the year XXXX ) I called all three credit agents and provided them crucial evidence that validated my statement that fraudulent activity was happening to me. The evidence that I provided was government documentation stating that I had been incarcerated at the XXXX XXXX jail during those dates due to a XXXX XXXX and that the fraudulent activities that transpired were not me.Not only do I not have access to a phone or computer to make such transactions reported by the three respective credit bureaus, it is physically impossible. After reporting this to the agents at the credit bureaus, absolutely nothing was done nor investigions were made. I know that according to the Fair Credit Reporting Act, under several sections mentioned but mostly The Administrative enforcement ( 621 ), comliance with the requirements composed under this title shall be enforced by the Federal Trade Commision Act with respect to consumer reporting agencies. A violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act in commerce in violation of section ( 5 )... If you proceed to read you will find that grave mistakes have been made regarding my filed claims of fraud to all three credit bureuas. And nothing was done when I submitted proof of my inability to make transactions. I want immediate attention to this and the remaining pending cases and according to the FAir Credit Reporting Act, I am entitled to financial compensation given I have spent almost two years paying an outside company to get these items removed from my credit.
Consumer complaint received 2022-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

I am simply trying to inquire about receiving a refund on loan payments I made during the COVID-19 pandemic. I was informed that I can receive a refund after XX/XX/2020 for any payments made. I have not been able to get ahold of anyone regarding the matter. My loans transferred from XXXX XXXX to Mohela. XXXX XXXX was great and easy to work with but instructed me that everything now had to be completed by Mohela. Mohela just has pre-recorded prompts for applications and no way to speak with a custom service representative. I see no option to inquire about my pandemic loan reimbursement. It is highly infuriating that my loan company is withholding this important information. Please help.
Consumer complaint received 2022-11-08
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. (GA)

Despite the numerous attempts I have been doing, the Credit Reporting Agencies have never fully complied with the Federal Law, Fair Credit Reporting Act section 605b, and have been continuing reporting the disputed items as verified on my Credit Report. This CFPB complaint will be my thirteenth ( XXXX ) complaint since I started submitting CFPB complaints to the Credit Bureaus. I have also been submittng multiple dispute letters against the Credit Bureaus and the Credit Bureaus have never responded to any of it all! I have been planning to file lawsuit against the Credit Bureaus for their willful non-compliance of the federal law. This will be my last attempt to contact the Credit Bureaus and in the event that the Credit Bureaus still not remove the disputed items by the time of my Credit Update within the next 15 days I will be filing a lawsuit. If it us not too much trouble than dealing with a lawsuit, please, once again remove the disputed items from my Credit File as soon as possible : 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
Consumer complaint received 2022-08-16
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)

THE FOLLOWING ACCOUNTS ARE FRAUDULENT I WANT THEM BLOCKED AND REMOVED FROM MY CONSUMER REPORT I DID NOT GIVE MY WRITTEN CONSENT TO FURNISH ANY NEGATIVE AND FRAUDULENT ACCOUNTS ON MY PROFILE THIS IS INFRINGEMENT UPON MY RIGHTS PURSUANT TO 15 USC 1681 ( B ) AND THE XXXX XXXX XXXX XXXX AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CONSUMER REPORT OR I WILL COUNSEL WITH MY LEGAL TEAM FOR SUIT XXXX : XXXXXXXX XXXX  XXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

Hello, My name is XXXX XXXX and I'm placing a complaint regarding improper use of my credit report as follows : According to the Fair Credit Reporting Act 15 USC1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisherof information to credit agencies ) is a financial institution by definitionunder that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be removed immediately. 

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 Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-08-16
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. (PA)

I have a credit freeze and identity alert on my credit report but somehow EQUIFAX keeps letting company 's run my credit without my permission, which has led to inquires that are not mine along with collections that are not mine. I reached out to EQUIFAX today XX/XX/2022 and asked about my credit report I asked why were these items popping up on my report and every representative I spoke with was either rude, ignorant or had me on hold for hours waiting for a supervisor who never got on the line. The amount of disrespect I received today is disgusting!!! EQUIFAX should be ashamed I will be contacting a lawyer to discuss my options.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RFNA, LP (MS)

Republic Finance- terrible collection practices after being served XXXX called work ph, I asked them NOT to call me at work XXXX called work, again asked them NOT to call- threatened garnishment I returned call at lunch from my cell and set up a payment arrangement for XX/XX/2022 XXXX served with legal paperwork stating my debt had been turned over to collections XXXX called work I hung up on them XXXX called work again left message with co-worker ( regarding my delinquent debt ) XXXX Left voicemail stating " PAY UP '' XXXX called work I asked if they had my cell phone they said yes, but, didn't care they would continue to call my work. 
XXXX called work stating I had missed my payment and I could avoid garnishment by paying. I informed them I had been served and asked if I made a payment with them how would it affect the court proceedings. I was told " you won't be garnished so just pay ''. I informed her that I was under the impression once I was served I needed to deal directly with the collection law firm. She stated " I don't know XXXX and they will enjoy garnishing me ''. 
XXXX Called work I again asked them NOT to call me at work XXXX called work again, I again asked if they had my cell number, she stated she had both and was attempting to collect a debt and would call whatever number she wanted. 
XXXX Contacted debt collection atty and was advised NOT to make a payment to them directly and that they should NOT be calling my work after I had repeatedly asked them NOT to. They would contact corporate and see if they could get the ph calls to stop. They are aware I have signed a voluntary payment arrangement.
Consumer complaint received 2022-08-23
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. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2020-01-23
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: CITIBANK, N.A. (CA)

I belong to the XXXX, referred to attorney XXXX XXXX to represent me on a neighbours ' ongoing harassment, including their lawsuit for XXXX on false basis after received a cease/desist letter by XXXX on my behalf. XX/XX/XXXX XXXX XXXX said : " Your response is sufficient to have the complaint dismissed, but I'd like to appear on your behalf to make a request for your costs and attorney 's fees, and after that I'll file a separate motion for the ongoing harassment, and you need to open a REFUNDABLE trust account in the amount of {$7500.00}. to be kept in that balance to the conclusion of your case. You'll be billed in the amnt of $ XXXX for all services monthly and separately. '' XXXX defected, showed up late, did not do what he promised and I insisted that he put me on the stand to support my case and refute additional false allegations, judge took judicial notice on my responses and supporting evidences and ruled in my favor dismissed the XXXX against me. XXXX disappeared with my {$7500.00}. On XX/XX/XXXX last email directed him to refund the credit card, he did not, and I filed a dispute with the citibank. 
The citibank discriminated and failed to follow the correct procedures and refused to apply the conditional credit as they're trying to collect this charge while investigating!
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

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

15 U.S.C 1681 section 602 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 2022-08-18
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. (WI)

In accordance with the Fair Credit Reporting Act 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 has violated my rights.

15 U.S.C. 1681 section 602 A states I have 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 2021-08-13
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: TRANSWORLD SYSTEMS INC (CA)

This company calls my phone XXXX XXXX times a day and every time they call it starts at XXXX XXXX. I spoke to a representative who wasn't too worried about the fact that they are calling in violation of FDCPA his biggest concern was trying to get an alleged debt resolved. I informed him they were calling prior to the allowed time he said it didn't matter and that they do this all the time. 

I informed him this wasn't my debt and he said they will continue to call and hung up. They have continued to call daily and all before XXXX XXXX 

The company calls from different numbers but they all lead to the same company.
Consumer complaint received 2022-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease XXXX  months late, so i disputed this with XXXX  saying i never paid XXXX  months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now XXXX  is hitting my credit score again!!! 
i have disputed this on this site 2 other times, when will this be behind me after all these years!!! 

thx
Consumer complaint received 2022-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (GA)

My loan was sold to selene financial. I sold the house. I had to pay my property taxes again at closing even though I had already paid it in escrow. I called selene finance and changed my address with them so they could send the refund to the proper place. They would not discuss the repayment amount when I called. They just demanded that I wait the proper time for them to issue a check with my refund. They finally sent the check to the address of the house I sold. I no longer live there or have access to the mailbox. I called to have the check reissued. It is approaching 2 months since the house was sold. I had XXXX double pay the taxes and are still waiting on them to refund me. 


I can't get through their automated system sometimes as I no longer have an active loan with them. So it does not recognize me. Also each time I call I get a difference response of what is going on. 

The agents have been ok for the most part but I should not have to beg this company for a refund that I had to double pay. The house has been paid off in full. But I have not been refunded the money I overpaid.
Consumer complaint received 2022-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Albert Corporation (DE)

I received an " Albert '' cash ( Debit? ) card with my name on it on XX/XX/XXXX by mail, backed by XXXX XXXX XXXX for which I never applied. I am aware my Social Security number was compromised and had other fraudulent accounts opened in my name in XXXX, to include a brokerage account. That fraud prompted me to initiate a " fraud alert '' with all three credit agencies. This may be another fraudulent use of my Social Security Number. There is very little information beyond a physical card in the mailer, so it is impossible to tell if this is a mailer trying to get your business, or fraudulent account opened by someone else in my name. 

I did NOT request an Albert account myself or through any third party, and want it closed immediately. I also want to know HOW it was opened in my name. 

On XX/XX/XXXX, I reviewed the XXXX  website regarding Albert and discovered I am not the only person who has this uninvited issue. 

On XX/XX/XXXX, I tried to call Albert to resolve and learned you can not get support via phone. You can only email support ( which my husband did at my request on XX/XX/XXXX ) or download their App to get support, which would only further compromise my personal info, so I refuse to do that. I don't want their App, I don't want their card. 

I have attached a scan of the card I was mailed, and the email I sent Albert. To protect myself from further credit fraud, I initiated a credit " freeze '' with all three credit agencies on XX/XX/XXXX. I also refreshed my current " fraud alert '' status.
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 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 2022-08-16
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)

Equifax is continuing to furnish a report without written consentI have sent several letters stating I didnt give them permission to furnish anything on my report 15 usc 1681 section 604 A section 2.

15 usc 1681 section 2 : states I have a right to privacy.
Consumer complaint received 2022-08-16
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: The Savings Group, Inc. (AZ)

On XX/XX/2022 I clicked one button to view offers ( as it claimed ) to see new auto-rates through XXXX, I made sure that in the title that It didnt say it would do a hard inquiry. I pressed one button & it prompted me to fill out a form which then I proceeded to back out of because it didnt show me rates right away. Then I got 5 or 6 hard inquiries with the source being Rategenious & I DID NOT approve nor give consent to the company to do any further digging into my account or share my personal information. 
I contacted XXXX 3 times & each time they said to contact the individual companies. I did & the rategenious supervisor said to file a police report because thats the only way they will remove it