davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-25
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. (MD)

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of XXXX, I opened a checking account with Chase at their XXXX XXXX branch. Mr XXXX XXXX assured me that even with a smaller initial deposit, I will not be charged banking fees cuz it will be linked to an annuity I have purchased with them years ago. Then last XX/XX/XXXX, I discovered that Chase had started charging me banking fees of $ XXXX since last XX/XX/XXXX, without notifying me. Its a small account, I could have just closed it. They refunded me {$100.00} but refused to refund me the rest XXXX {$170.00}. ) I called and talked to several people but they referred me to Mr. XXXX XXXX. When I eventually got him he promised but never calked me back. No response to my email either. Banks are required to be transparent in all their dealings with their customers. I am retired and on fixed income, I have to be careful how I spend my money especially now that everything has gone up drastically due to COVID. Thanks for your attention and help.
Consumer complaint received 2024-08-26
Product: Credit reporting 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. (IL)

I don't recognize the following inquires on my equifax report. 
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> I have filed an identity theft report Want these removed immediately
Consumer complaint received 2022-07-11
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: DISCOVER BANK (CA)

XXXX Credit Report contacted me to avail to a free Trail for a month. I tried but they asked for a Credit Card before I can start. I gave my Discover Credit Card. 

XXXX XXXX XXXX is very inconvenient and it does not work. So I canceled it, This was at the height of the Covid Pandemic. I got infected with XXXX and was XXXX, then I suffered from XXXX XXXX and still is suffering from XXXXXXXX XXXXt. I am taking a lot of medicines which keeps me drowsy and feeling lousy ad sickly all the time coupled with XXXX from taking XXXX Drugs. The reason that I was not checking the charges of my Discover Card. 

I am a XXXX old proud Retired  XXXX XXXX XXXX that was making good money and was my paying 20 % taxes. Being retired and my Social Security Retirement Pension is barely enough to survive. 

I am being abused by these scammers- XXXX Credit Report which has affected my Quality of Life. I have a lot of charges in my Discover Credit Card due to these Illegal Charges. 

I already filed a complaint with Discover who credit back the monthly charges, but later on, Discover recharged my account again siding with XXXX. 

I called Discover and filed a Dispute, but they will recharged these Experian Charges again. 

Please help me. This is a scam and also a Seniors Citizens Abuse. 

Thank You so much! 

XXXX XXXX XXXX
Consumer complaint received 2022-07-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I previously filed a complaint and was given unsatisfactory answers from Wells Fargo the complaint number was XXXX it was submitted on XX/XX/XXXX I am resubmitting this complaint with further details to the lost note, the robosigning, and the incorrect documentations on my property. 







In the documents that were used to start the initial foreclosure proceedings we have a signed lost note affidavit from Wells Fargo signed and notarized stating that XXXX XXXX XXXX an authorized signer for Wells Fargo states that Wells Fargo was the current owner of the note and acquired ownership from XXXX XXXX on XX/XX/XXXX in the information that was sent back from Wells Fargo in response to our complaint submitted in XX/XX/XXXX Wells Fargo states that they were servicing the note. The assignment of mortgage was signed and dated in XXXX from XXXX XXXXXXXX to Wells Fargo! There is an obvious gap from XXXX to XXXX there is no documentation to back up the legal transfer from XXXX XXXXXXXX to Wells Fargo in XXXX or XXXX the only thing we have is as an incorrect assignment of mortgage it was robosigned with only initials by XXXX XXXX XXXX XXXX, and XXXX XXXX known robosigners. No documentation supporting the transfer, and to this day no note on this particular transaction. The assignment of the note was not properly assigned the correct legal form for NY State was not used. Wells Fargo states that the robo signing issue had already been addressed with the Office of Comptroller of Currency but that has nothing to do with the foreclosure of the documents of my home that are not correct. I find it hard to believe that a bank that acquired ownership of a property would wait two years from XXXX to XXXX to legally file the assignment of mortgage with the county clerks office. There is an obvious break in the chain! Please refer to the prior documents that have been submitted prior! And for the record I noticed that they hadn't used the most correct lost noted affidavit instead they chose to use one from XXXX vs the more current one from XXXX where they stated they were the current owner in XXXX to present! Please look at the afffidavit stating that they were the owner not servicing the mortgage for XXXX XXXXXXXX! 
I have a current complaint that was submitted on
Consumer complaint received 2022-07-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # # # # # # XXXX, XXXX XXXX Service Account # # # # # # # XXXX, XXXX XXXX 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.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

We have business account at Chase Bank. 

One of customer 's check, that we deposited in our account, supposedly got returned. 

Chase took the money out of our account. Chase has not provided us with any info about the customer ( or check copy ). 

So we have no way of knowing, which customer or why the amount was deducted from our account. 

I have gone to two different Chase branches- talked to banker and manager. No response. 

They all recommended calling customer service. That did not do any good either. 

Then I wrote to Chase at the XXXX XXXX, TX address that is on our monthly statements. 

Got no response for XXXX month. 

Then I sent a CERTIFIED letter. Still no response. 

So I begging you for help. 

We can try to collect if know-who and why. 

If it is a mistake on Chase part ( or Chase can not produce the necessary information ), Chase needs to credit back the amount to our account.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY ()

I hope you can help me with this incredible matter. I have a checking account with Wells Fargo Bank In California. 

I'm writing from XXXX. I lived in the USA for many years. I'm a retired psychologist and worked for the State of CA Rehabilitation Dept. 

I opened my checking account with Wells Fargo in XXXX. I get my direct deposit for retirement and Social Security to my account with WF. I was able to withdraw the money in XXXX with my debit card and my PIN number at any ATM. 

About two month ago, without my knowledge or permission, WF changed entirely my account, deleting my password, my PIN number and all information regarding my account. I can't see or access my account at all. I have called and talked to many people in there, told them that my account was blocked to me and I was unable to draw any money as they changed or deleted my PIN number. At the end, they all go around giving me the red tape ; no one will take responsibility for this situation, which has caused an incredible amount of problems. I'm unable to make any payments, buying food, etc. Nothing. I had called them again and again, and I have been told that they will get my account in order ONCE I get back to the USA. Do I have to get back to the USA in the middle of a pandemic, with no money at all, with my US passport expired and the US Consulate barely working due to the pandemic? They have no appointments available for the rest of year. 

I came back to XXXX, my homeland, in XXXX. I'm a XXXX XXXX XXXX and a XXXX person. I have informed this condition to the bank representatives several times, and it does not make any difference to them. l have kept my checking account open, active, and in good standing with them since XXXX. I have used it in XXXX for several years with no problems, until they blocked it without warning to me and no reasons given. They say that I need to pick a new PIN number in person at branch location in the USA. This is totally unreasonable knowing that I am in XXXX and unable to travel due to the circumstances : a pandemic, my age, and my XXXX. I find this situation abusive, insensitive, and incredibly cruel. They have created a tremendous hardship for me. It is useless to try to reason with WF. Anyone tells me whatever they want, in spite of that I tell them that in my current situation I have no even money for food. 
I hope you are able to act on this urgent matter as soon as possible. I'd be grateful to you. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

I needed a new card from cash app. I was having issues getting one ordered on the app. I reached out to the support team. I was told to upload personal info to verify my address. I did this 3 times before I got contacted back with a case number XXXX. Its been two months no card no contact. I contact them again they are asking for my personal info again. Its too risky to keep sending that. Then I was told they are looking into it. Still no card. Still asking to verify my info. They have my personal info where I can be located its a scam just to take my identity. I have screenshots of the convo
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (CA)

I paid my balance with XXXX on XX/XX/2022. I was told it would take 30-45 days for it to be removed from my credit report but it has now been 3 months. My credit has been affected. My account still says I owe them and havent been paying them for the last 3 months when in actuality its already been settled. Sezzle support has done nothing but repeat 30-45 days even after its been much longer than that. They refuse to help in any way and this isnt an isolated incident. XXXX works well until you have a problem and then they become a company from XXXX. I have the receipt of my payment to XXXX. I have transcripts of XXXX employees being completely negligent, some not even reading what I actually said before responding. I have been disputing this with the credit bureas and XXXX and XXXX say that the information is accurate according to XXXX which is False! I have submitted the receipts, got verification from both XXXX and XXXX themselves that I paid! Yet they refuse to correct my credit report.
Consumer complaint received 2022-07-26
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. (TX)

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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-26
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. (NJ)

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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX XXXX Na 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 2021-04-12
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. (IL)

I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the Equifax data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2022-07-10
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. (TX)

We purchased a vehicle and financed thru XXXX XXXX. After going through hardship we lost the vehicle. XXXX of this year I reached out to XXXX because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my XXXX, Equifax, and XXXX as well as on my husbands bureaus. We feel lied to and when we call XXXX they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all
Consumer complaint received 2022-07-10
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: LEXISNEXIS (GA)

1.LexisNexis has deliberately failed to provide updated credit to the myself, XXXX, XXXX, and XXXX as required by the FCRA after removal of public record data for bankruptcy case # XXXX with a said file of XXXX and case # XXXX with said file of XXXX. 
XXXX. I filed initial complaint against LexisNexis back on XX/XX/22 regarding this information being reported to all 3 credit bureaus. 
XXXX.I have spoken to all 3 credits bureaus and each claim to have no record of documentation to support removal of these items described. 
XXXX. I received a letter from LexisNexis stating they data was removed and XXXX was notified accordingly however this has proven to be inaccurate because the data remains, and XXXX 's representative stated they have not received such as well as the others.
Consumer complaint received 2019-03-18
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. (FL)

Once again I CAN NOT access via any means on line or phone except for letter which on multiple occasions has been proven to be fruitless. To boot - I currently have a credit freeze on my Equifax account which was removed close to two years ago and NOW REAPPEARS! This has cost me the purchase of a car and a significantly higher interest rate. I am about ready to sue them and you for failure to do anything to bring this record, not of my making or option to use, into a correct and updated status. I am tired of " they re not responsible for third party reporting. '' They provide the data and they should make sure it is used correctly or they ARE a participant in what is in my opinion fraudulent reporting causing severe emotional and financial harm. There are numbers of complains on this issue with all three credit bureaus and frankly the good takes months to be posted and the bad instantly! In my a opinion inability to do what they say they do! I attempted to use report # XXXX multiple times to file an online dispute but was unable to- phone contact useless. When will this agency become who they profess they are? The answer quite obvious regardless of what you state.
Consumer complaint received 2022-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX 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 an account without my written instructions