davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-07
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. (FL)

I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

Account was reported 30 days late XX/XX/2019 but account was paid. Creditor agreed to remove delinquent reporting with all credit bureaus but has yet to provide an update to TransUnion and XXXX. I would like the delinquent remark removed from my account and to reflect accurately on TransUnion and XXXX.
Consumer complaint received 2021-10-07
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. (FL)

I mailed out my dispute letters XXXX XXXX and as of today I have not received any results pertaining to my investigation results. This is a violation of my credit rights.
Consumer complaint received 2021-10-07
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)

XXXX AND EQUIFAX, have both allowed a known violator of the Fair Credit Reporting act, i.e. XXXX XXXX XXXX, to place fraudulent collections on my credit reports thereby negatively impacting my credit score which has real world negative impact on my financial health which is intrinsic to my personal well being. 

Everyday that goes by with these fraudulent collections on my credit report is a violation of my rights, a crime against me initiated by XXXX XXXX XXXX and permitted by XXXX & EQUIFAX, who exercise no caution to determine if the alleged debt collection is indeed mine or even valid. 

To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Attention, you have illegally placed fraudulent information on my Credit Reports! You never contacted via mail or phone to attempt to determine if in fact this debt you have now fraudulently placed on my credit reports is mine! Im demanding that you immediately remove this fraudulent collection from my credit reports! Concerning the Alleged Creditor : XXXX XXXX XXXX XXXX, Alledged Creditor Account # XXXX -- -- -, Im acting in accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g, Section 809b ) notifying you that your claim is Disputed and Validation is required! I am not requesting verification, rather I am requesting complete legal validation as per the referenced title and section of the law. Please provide me with the complete evidence you have stating that I am legally obligated to pay you. 

I request the following : Justification for the claimed amount, including invoices or receipts. 
Explanation of how you calculated the amount in question. 
Copies of any documents bearing my signature stating that I agreed to pay the claimed amount. 
The identity of the alleged original creditor. 
Proof that the alleged original creditor assigned the debt in question to you. 
Proof that the Statue of Limitations has not expired on this account. 
Proof that you are licensed to collect debt in the state of Georgia. 
Your licensed numbers and Registered Agent or Agent of Service. 

I will require 30 days to investigate any proof sent with this claim. During this time collection activity must cease and desist. If any action is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. 

If I personally dont receive any response from you for VALIDATION of this account within 30 days, all references and claims to this account must be deleted from your files. 

Regards,
Consumer complaint received 2019-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2018, someone gained access to my banking information and spent {$2200.00} from various checking accounts. We contacted Wells Fargo fraud department the day that the fraud occurred as I received several email alerts. in the following days, we met with the bank and thought we had the situation resolved as they provided a refund for the amount stolen. We went to the XXXX XXXX XXXX and attained a police report to document the fraud crime. In recent days, Wells Fargo decided to take back the refund and declared that we had insufficient evidence when we had already been through the steps to rectify the situation. We have done everything in our power to cooperate with Wells Fargo, but it seems that now they are refusing to honor the Fair Credit Billing Act and protect their customers.
Consumer complaint received 2021-08-30
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: Mortgage Connect LP (CA)

We closed our refinance with XXXX XXXX  back in XX/XX/2021. During the loan closing they charged us {$1300.00} tax penalty which we had to pay as part of our closing cost. We submitted to XXXX XXXX County tax for refund in XX/XX/2021 on the tax penalty and received a refund in notice on XX/XX/2021 which was sent to Mortgage Connect the escrow company that closed our loan. When I reached out to Mortgage Connect for the refund of the amount of {$1300.00} they answered my emails and calls after one month saying they have sent the money back to XXXX as per their request. Until today I have not heard back from Mortgage Connect or any one from XXXX regarding my refund of {$1300.00}. They literally are passing the bucket and making me run around for my money.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

To Whom It May Concern : I submitted a previous complaint to CFPB ( # XXXX ) which the mortgage company in question ( XXXX Loan Servicing ) responded to by providing a letter ( dated XX/XX/XXXX ) to myself, and also to CFPB under aforementioned complaint, stating that all 30-Day late reporting during Covid-19 Forbearance ( from XX/XX/XXXX through XXXX XXXX months ) would be corrected/amended to show as current. That is, the 30-Day lates between this time would be removed from my credit reports. The letter also stated they would notify all Credit Bureau 's to inform them of the correction. On the following dates I initiated disputes with the Credit Bureau 's to update their records to remove the late reporting : Equifax ( XX/XX/XXXX, Dispute No. XXXX ) ; XXXX ( XX/XX/XXXX, Report No. XXXX ) ; and XXXX ( I could not login to their dispute website and the dispute hotline kept booting me off XXXX. I also spoke to XXXX Customer Service Rep, XXXX XXXX, on or around XX/XX/XXXX, and she advised I initiate disputes with each Credit Bureau if credit report was not updated after 45-60 days of date of letter of XX/XX/XXXX. We are now on XX/XX/XXXX, 77 days after, and all credit reports have not updated my account information to remove the 30-day late 's being mentioned here. Due to this, I still can not apply to refinance my home in hopes of lower my payment, and take advantage of low rates. Please assist as I feel I can not get things resolved with Credit Bureau 's, or if my loan servicer has not reached out to Credit Bureau 's to correct this.

Your assistance will be much appreciated.

Sincerly XXXX XXXX
Consumer complaint received 2022-06-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (HI)

I am a permanently XXXX American who receives social security benefits through COMERICA Bank DIRECT EXPRESS DEBIT CARD PROGRAM. 

They do not issue monthly statements. I contacted them this year because the IRS told me that I needed to file taxes for XXXX and XXXX if I was to receive a stimulus check. 

I asked DIRECT EXPRESS to provide me with a total of benefits received over the past two years. What I got was a list in the mail, of every transaction to my account in XXXX 
Month after month, page after page was charges as small as XXXX and as large as {$100.00}, totaling over {$2600.00}. None of the deductions were authorized by me. Had I not requested deposit information, I would have not known what happened. 

I don't know how to get those funds back. Customer service for DIRECT EXPRESS read a scripted message that states the time parameters for filing a complaint regarding a charge as being 45-60 days from the posted date of charge. Each charge disputed requires a separate depute form. One month alone has eight pages of incorrect charges, 28 charges per page! 

Secondly, what can I do to prevent this from happening again? 
I have never used my DIRECT EXPRESS account for recurrent billing. Is there a way to opt out of these " services '' with DIRECT EXPRESS? 


The charges are suspicious amounts as little a {$.00} charge to a foreign payee multiple times in a given day. I WOULD LOVE TO SEND YOU COPIES BUT I DON'T KNOW HOW TO UPLOAD THEM.
Consumer complaint received 2019-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (MI)

This is not a complaint yet. But my mortgage is due to be transfered from Citimortgage to XXXX XXXX for " mortgage servicing ''. None of the reviews I read give this company a good rating. Their stories are nightmares of multiple deliveries of documents that are never received, no delinquency in payments yet the mortgage holder reported to credit agency for late payments, money taken unauthorized from bank accounts the list is long and absolutely frightening. This is made more so by their inability to correct their situation. I am about to become one of their cash cows!! I can't say customer because that will be Citimortgage. They are the one to be kept happy not me. I am feeling powerless already. 
XXXX XXXX for President????????
Consumer complaint received 2022-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE (SC)

My Barclays Bank XXXX silver XXXX showed fraudulent activity. I reported this online. The company closed out the card, although this was not clear on the website. When the card was declined, I called customer service and was told that replacement cards for myself and the authorized user would be sent and that they would be sent be XXXX XXXX This was complicated by the fact that I am at my summer residence. I thought that we had resolved everything. 

2 days later XXXX card arrived with my name ( no authorized user card ). I called and was told that the cards were shipped separately because that was the only way it could be done and the second card would arrive the next day. They also said that the cards would each have a different number so it was ok that I had activated my card. At the time, I didnt realize that both cards would be activated. I asked if the fact that the card had not been received but was activated would be a problem and I was told no. I changed all of my autopay accounts. The next day the second card did not arrive and my card was declined. I called again and the agent said she didnt know why this card was also canceled. I requested again that new cards be sent. 2 days later, a card came for the authorized user, but not for me. I again called, again was told card would come the next day. No card came. I called again and was told there was a glitch in the system. The problem was finally escalated to someone in security who agreed to send both cards together. They finally arrived, 10 days after this all started. The numbers on both cards were the same. It took XXXX phone calls to get the cards with extended periods of time on hold. Somewhere along the line, I was told I would be given a {$100.00} credit for my inconvenience. While this is not representative of the time and annoyance, it was a nice gesture. However, it has not appeared. What has appeared on my account was a charge for expedited delivery of my cards after I was told there would be no charge. This was removed, but required 45 minutes on hold. 

I was given misinformation on every phone call and what should have been a simple, although regrettable, transaction became a nightmare. I would truly like an explanation for all of this as well as credit for all of the time and inconvenience to me.
Consumer complaint received 2021-09-16
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: AES/PHEAA (NJ)

I recently noticed on all three of my consumer reports that Fedloan Servicing is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from Fedloan stating the loan listed was transferred. Fedloan Servicing violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I have reached out to XXXX and Equifax about a Fraud account reporting to my credit report. XXXX XXXX  XXXX date opened XX/XX/2018 has reported a Fraud account for over a 3 YEARS! to Equifax and XXXX. I have sent both the Credit Bureau police report and the FTC report. 

The credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the address associated with XXXX bank account is inaccurate, and the date last reported is not accurate. This Ground for removal they also Violated my rights under 15 U.S.C 1681 section 602 A. states I have a Right to Privacy 15 U.S.C 1681 section 604 A Section 2. states A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2021-12-01
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. (TX)

I have demanded on several occasions ( XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 ) for XXXX XXXX XXXX, XXXX, XXXX, and Equifax to remove the alleged derogatory late payments from XXXX XXXX XXXX that is reporting on my consumer report. I never gave permissible purpose for them to furnish anything on my consumer report without my written permission which is my rights as a consumer pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As well as the violation of 15 U.S. Code 1666b.Timing of payments.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Opened my account XX/XX/2021, Ive never been overdrawn and I always contact customer service when I need to. I received XXXX in direct deposit and around XX/XX/XXXX I was calling everyday for My card getting declined at the store even tho my pin was used. I received another XXXX in direct Deposit and I went to atm and couldnt get money out. I contacted live chat they said to call fraud department I called The number they gave me I verified my identity and they said they couldnt do anything about it that the specialist team would reach out. My account has been frozen no debit status since XX/XX/2021 Ive contacted live support and called fraud department every day since then, all they keep saying is my account is under review and wait 24 hours and contact them 24 hours later and still nothing. Ive filed 3 complaints with the live support customer service and I still havent been updated on my account status And my account is still frozen. Ive only had this bank a few months and Ive had so many problems. Ive even faxed over my verification of funds and verification of identity.
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (GA)

My personal and confidential information has been compromised due to : XXXX data breach XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX There are 4 derogatory marks on my account as a result of identity theft, fraud. This serves to notify the creditors of my right to dispute these fraudulent charges and subsequent negative marks under FRCA section 609 and 611.
Consumer complaint received 2022-10-19
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (HI)

I received in regular mail a threat that they ALREADY filled a suit against me and the only way to ameliorate the suit is to pay them {$910.00}. They are also threatening to do a hard inquiry on my credit report. 

The letter is from XXXX XXXX XXXX, XXXX, XXXX. 

XXXX XXXX XXXX. 
XXXX, OR XXXX The supposed debt is for Wells Fargo ; they are alleging I have an overdrawn account I owe for. The problem is, I havent had a Wells Fargo account in 15 years or more and do not owe them money, not to mention there arent Wells Fargos in HI where I live. The reason I know this is, this is the second fraudulent attempt to collect debt on behalf of Wells Fargothat I dont owe and have never owed. I confirmed this with Wells Fargo about 6 months ago and have the letter. I also filed a similar complaint with CFPB at that time which was resolved in my favor.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

On XX/XX/XXXX! I sent in letters to the following 3 credit bureau regarding my credit cause I was curious to where did they get the following information regarding a Bankruptcy that was places on the credit. I got a letter for all 3 credit bureau : XXXX, Equifax, and XXXX  stating in a mail letter that the information was verified with XXXX XXXX. I reached out to XXXX seeing how was they able to verified a bankruptcy that's on my personal credit. A Rep name XXXX reference no. XXXX on XX/XX/XXXX stated that the information is inaccurate that XXXX never verified any information with any of the credit bureau. I was send a letter from XXXX stating the same information on the phone conversation with the Rep. XXXX. XXXX removed the following information from system.I have a letter that proof my conversation. I later contact the United States Bankruptcy XXXX XXXX XXXX XXXX XXXX IL. to asked if their company reports to the XXXX credit bureau about my credit and they stated that they do not verify any information of the source. I was send out a letter on XX/XX/XXXX from Bankruptcy court supporting the conversation.A credit freeze was place on my credit from me in XXXXso can completed a reinvestigation with all 3 Credit Bureau regarding the inaccurate information of the Bankrupyvy reporting on my credit to get the same letter from XXXX, Equifax, and XXXX stating that they verified the information again with all three credit bureau XXXX, XXXX  and Equifax reporting false and inaccurate information on my credit report and due that issue they has violated my rights according to the Freedom Foundation, a V Seiu Health NorthWest Training Partnership, a 501 ( c ) ( 3 ) Trade Secret Misappropriation Privacy Act of 1974 Violations 5 USC 552a Violations 31 USC 371 1 ( e ) Violations Public Records Act Violation Commercial Purpose Declaration 42.56.070 ( 8 )
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: P.S.C., Inc (WA)

For over 3 yrs and 3 months now. This company has been harassing me, as well as making a major delinquency red flag on my credit. XX/XX/2019. Started with the harassment phone calls, threatening. So I spent days, which than turned into weeks and months. Just trying to communicate with them civilly yet was tossed aside. Due to the fact that I went and got the proper medical documentation and proof of the account being fully paid off by my insurance. I mailed them in my documents of proof. They mailed it right back claiming it was the wrong address sent to. Durning those weeks and months. They were gradually adding on fees and lowering my score every single time tremendously. I than reached out to XXXX XXXX many times about how all of this is wrong. Every investigation has come back as the account is stil open and I owe. I reached out to my attorney generals office about this. They have told me that this company has been reported for their legally wrongful acts once or twice before. So it being over 3 yrs now Im over this fraud they are committing.