davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (PA)

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. The following companies have violated my rights by performing a hard inquiry on my credit report without my permission XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX  ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX 2022 + XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
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)

I wrote letters to Equifax over 2 months ago ( XX/XX/XXXX2022 ) advising them that they were in violation of my HIPPA rights regarding reporting the following amount on my credit report since XXXX of 2020 : {$290.00} / XXXX XXXX XXXX Professional Placement. They have not replied to me or removed items from my credit report
Consumer complaint received 2023-01-19
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)

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (IL)

Okay here 's my complaint my original Wells Fargo account check it and service was open last year at that time you guys charge me fees non-sufficient fun fees and etc and I had not bought anything or use the account and then the money I did deposit that disappeared and then account ended up being close and when I tried to deposit more money that's how I became the knowledge that the account will close so I said well I'm open this account back up and I sent documents and everything proven who I was several times and you still denied me but you gave me no reason for your denial you gave me no reason why you close my account
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (OR)

3 XXXX  transactions were made on XXXX to three different individuals ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ) each for {$1000.00}. Two additional XXXX transactions were " cancelled '' on XXXX by Wells Fargo ( one to XXXX XXXX for {$1000.00} and one to XXXX XXXX for {$500.00} ) Then on XXXX Wells Fargo fraud detection department left me a voicemail. Then also on XXXX charged two separate fees related to these transactions : one for {$4700.00} for " deposited item retn unpaid fee '' and one for {$12.00} for " cashed/deposited item retn unpaid fee '' A total of {$7700.00} was taken from my account due to the unauthorized/fraudulent transactions and related fees. I called to open a claim to recover the funds taken and received a letter from Online Fraud Claims dated XX/XX/XXXX saying they researched and found the transactions were authorized. I called to escalate the claim and was told to gather evidence it was unauthorized to fax in. I wrote a cover letter establishing I don't know the receivers and do not use XXXX  services also that their fraud department was triggered by the activity supporting the fact that these were not authorized. I faxed the letter along with info about police report, ic3 claim and FTC report on XXXX.

After not getting any reply I called to follow up on XX/XX/XXXX and WF customer service said I had no claims attached to my accounts and would open a new claim that I would get a mailed letter about in 7-10 business days. 

I never used XXXX, I don't know the individuals, I didn't give out my password, I didn't grant access to or authorize anyone to use my account. I have completed a police report, ic3 complaint, and contacted FTC to report.
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (VA)

I've noticed that I had received a few email communications and marketing information for " XXXX ''. We share a last name but my name is not XXXX, and I do not know anyone with his name. Because of this, I deleted the emails considering them junk/phishing emails without really looking at them and believing it was a fluke that would resolve itself soon enough. Today I just happened to read the information in the email and realized the email had the customer 's full name, the last 4 of their credit card number, available card balance, and referenced his birthday. In my opinion, this PII is a great starting point for identity theft. 

So today, I contacted Lowes Credit Services/customer care ( Synchrony Bank ) to advise them of the issue and share my concern that if they are sending his information to me that I felt my information may be compromised as well... I spoke with XXXX at approximately XXXX XXXX XXXX who told me it couldn't happen. Well obviously it can because I'm getting his email which has a lot of his personal information. 

I conceded that maybe she might not have the tools to investigate further but I was extremely concerned that she wasn't even considering escalating this issue or trying to identify the correct person to which the issue should be passed. As a database programmer, I felt fairly certain that the 'correct person ' could search by email address ( since I'm receiving his information via email ) and find out whose account information I was receiving. I offered to provide my email address so they could search by email and find the account but she expressed no interest. I didn't want her to confirm his information with me... I wanted her to identify and fix his information and verify that mine isn't being sent to someone else.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MS)

i've noticed over the last several months my transactions are not adding up to the amounts missing i calculated each transition and thousands are missing compared to the amounts paid each month with chime bank or XXXX XXXX  i believe there's someone taking my money each month and making me think i've spent it but when u add charges its no were close to amount deposited there's no fraud charges no record just money disappearing from account please help its over XXXX over the last year
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

My wife handled all of our bill paying up until she XXXX  last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), Midland Credit Management XXXX XXXX Bank and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R & B Corporation of Virginia (CA)

My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.
Consumer complaint received 2023-01-19
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. (PA)

UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

I have received notice that a credit card debt collector has my account. This charge was for over {$500.00} on a Amazon account. I tried to verify what was ordered and this debt collection referred me back to Amazon. The Amazon folks told me that the account was written off and there was no records of the transaction. So I called back to the debt collection and they could only give me the Address of the company. It is XXXX XXXX XXXX. XXXX Fl. XXXX. 

I can't imagine what I could have ordered that would cost that amount. 

This charge was XXXX and I am just hearing about it, I think, just because I am retired and a XXXX years old they can take advantage of me. Or the account was taken over by those who do this for a living. 

The debt collection company had the wrong address. I never lived at this address. It isn't even in the same County, as I live in. 

So it is like this. The debt collection company has no record of the transaction or what I was suppose to have purchased. Amazon has closed the account and has no record of this transaction. They want me to pay over XXXX. This is on my Credit Report. it ie funnry It sounds like a scam to me. I am trying to get a Reverse Mortgage and this is keeping from this. 

What can I do about it?
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

We wrote a check for {$6000.00} to a facility that cares for our XXXX XXXX XXXX mother ( it is her money ) on XX/XX/XXXX of last year. That check was stolen from the XXXX post office and cashed by a party it was not intended for. These funds have not been returned to us for over 6 months and we can not get any answers on where we stand other than they are still investigating. 

Please help
Consumer complaint received 2020-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (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 604A 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 a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Consumer complaint received 2023-01-19
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)

I have talked to Equifax three times, with the last date being XX/XX/XXXX. I have explained to them ever since the data breach I can not access any credit information, my report says there is none to report. It also shows the last credit score in XX/XX/XXXX. This issue has caused be to be denied a loan because my creditors are unable to look up my information. I was told several times, this would be corrected and technical support would reach out to me, but the issue still remains.
Consumer complaint received 2023-01-19
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. (IL)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized JPMCB Card Services Date of Inquiry : XX/XX/XXXX Please remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I received a notification that there was a delinquent account added to my credit report that is not mine from XXXX XXXX XXXX XXXX I have no record of this account and it is fraudulent. Balance shows {$760.00}.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I had previously placed a complaint against XXXX XXXX  who kindly remedied the incorrect information however experian constantly claims they have not received the information, yet the other two have. They refuse to allow me to send the email showing the error and correction. They claim when they see my credit it doesn't show anything negative this is incorrect as I pulled my annual report and the experian three credit bureau report that still shows a late payment. I pay for their service also. I have exhausted every avenue of contacting them, and they do nothing.

This is violating my rights under the FCRA and causing it to reflect bad toward other creditors looking at my account.
Consumer complaint received 2023-01-19
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. (TX)

I have been disputing this unauthorized inquiry from XXXX since XX/XX/2020. I have reached out to XXXX XXXX  and they have no record of my Information in their system. I then started my dispute with Equifax by sending over all required documentation showing proof that this inquiry was not done by me. I have sent over several FTC reports to Equifax and it seems to me that I get ignored each time. Under 15 U.S. Code 1681 ( n ) civil liability for willful noncompliance. So this account is also in violation. Please remove this inquiry asap
Consumer complaint received 2023-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MI)

I need to know how the Permanent Standard Repayment Plan is calculated and I need to see the terms for the Permanent Standard Repayment Plan. 

I requested how this was calculated in my last CFPB complaint, but they only provided details for how the XXXX plans are calculated.

I want to know how the Permanent Standard Repayment Plan is calculated and how many years the payment plan is intended to cover.