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: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXX XXXX XXXX. I submitted my dispute via XXXX XXXX and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission. 
A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a victim of trafficking and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.
Consumer complaint received 2023-04-02
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 am writing to dispute a collection account on my credit report that has been reported by XXXX XXXX XXXX ( account # XXXX ). The original creditor of the account is listed as XXXX XXXXXXXX XXXX. However, I believe that this account is fraudulent and the result of identity theft. 

I have never had any business or financial relationship with XXXX XXXXXXXX XXXX, nor have I ever authorized any transactions or account activity with them. I have also never received any communication or billing statements from them. 

Upon reviewing my credit report, I noticed that this account was listed as a collection account by XXXX XXXX XXXX. I immediately contacted XXXX XXXX XXXX and requested more information about the account. They were unable to provide any evidence of the debt and could not explain how the debt was incurred. This is further evidence that the account is fraudulent. 

I am requesting that the fraudulent account be removed from my credit report as soon as possible. I have already taken steps to report the identity theft to the relevant authorities, and I have filed a police report to document the crime. I have also contacted the original creditor, XXXX XXXX XXXX, to inform them of the fraudulent activity. 

Please find attached copies of my identification and other supporting documents to assist in your investigation of this matter. Thank you for your attention to this matter.
Consumer complaint received 2021-08-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I have been dealing with only Wells Fargo and now as of XX/XX/2021, they are saying that being the servicer of the loan they can do anything, right or wrong and not be responsible. So now I am bringing XXXX  XXXX XXXX in and let them see what their Servicer have been doing.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (GA)

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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 XXXX are not maintaining reasonable procedures. None of these accounts belong to me period.
Consumer complaint received 2023-11-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION (GA)

XX/XX/2023, I submitted a check for deposit via Alliant CU mobile app. Nothing was stated in the dialog box before I presented the check for deposit, saying it would have a 14-day hold on the check due to it not being a payroll check.
Consumer complaint received 2022-05-05
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: ADP Inc. (CA)

While I was working at XXXX 's Restaurant, I was receiving my payments through a myWisely card. On the day of XX/XX/2022 and XX/XX/2022 money was taken from my account that I did not authorize. I use the myWisely app to verify the dates and according to the app the money from XX/XX/2022 was in the amount of {$620.00} and the location says XXXX  XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 {$610.00} was taken out of my account. The location for this unauthorized transaction says XXXX  XXXX XXXX XXXX XXXX XXXX. In total, {$1200.00} were the unauthorized transactions for those two dates. I contacted myWisely through a phone call on XX/XX/2022 soon as I could to dispute these transactions. They told me I would be sent a letter through the mail and gave me a case number. On XX/XX/2022 they emailed me a message saying that the investigation was finalized and they determined there was no error. Nonetheless, I received the letter they told me they would send and filled out the statement of fraud and sent them an email with this letter filled out and signed on XX/XX/2022. After sending this letter I received no response. I know for a fact this was a fraud on my account so I kept pressing the myWisely company by calling them. After that first call on XX/XX/2022 and sending them an email on XX/XX/2022, I called them another 3 times between XXXX and XXXX. The first time they told me they would send another letter so that I could dispute the transaction. I never received a letter and after 2-3 weeks I called them again and they told me they would send another letter. Again, I waited another 2-3 weeks and did not receive a letter. The last time I called them was on XX/XX/2022 and they told me the same thing. They said I would receive a letter in the mail and as of the day that I am writing this complaint on XX/XX/2022 I still have not received a letter. At this point it feels like this company is just straight up lying to me so they do not have to give me my money back. It is absolutely unacceptable I have called 3 different times, they tell me they are going to send a letter so I can dispute the transaction and they never send me a letter. At this point, I have run out of patience and it is the reason why I am writing this complaint.
Consumer complaint received 2021-11-15
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.
Consumer complaint received 2023-03-23
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. (UT)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT LENDCLUB BNK Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-12-24
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc (MD)

I had an account with PayPal with an outstanding balance of around {$50.00}. PayPal has a system where they require people to verify their phone numbers on their website and I had changed my phone number. PayPal, however, wouldn't grant me access to my account if I didn't enter the verification code that was sent to my phone number that I no longer had. 

I contacted customer support, they refused to provide me with a reasonable solution. I was locked out of my account and they refused to work with me to help me retrieve my outstanding balance so that I could close out my account and move on. 

Instead, the representative made me refund my friend ( who sent me the money to pay for a bill ). There was no other alternative, they MADE ME give my money back to my friend and have to bother him because the incompetent staff at PayPal refused to help me. They refused to get in contact with their technical support team, they refused to credit me MY money, and then they suggested that I either refund my friend or donate it to a charity of which they refused to tell me specifically which charity it went to. In other words, they were extremely angry that I was leaving them and refusing to do business with them, so they decided to punish me by refusing to pay me the remaining balance in my account. They still refused to pay me my money and I had to bother someone else because they refused to do anything to give me my money. 

PayPal has stolen money from me. It was my money and no matter which supervisor I spoke to, no matter what I did for them, they refused to resolve the issue. They refused to pay me my money.
Consumer complaint received 2023-03-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 
4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Delete this account. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2023-06-30
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. (DC)

I have chatted online and called multiple times on protecting my name and address from bein used and twisted around and now there are multiple hard inquiries that need to be removed it is effecting my credit score while trying to handle business
Consumer complaint received 2023-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (WA)

Due to the bank reversing transactions, I overpaid on the credit card account by {$5900.00}. It has been a hassle getting my money back from them. They are telling me that they need to research and will issue a refund after 30 days. These guys are not even paying interest while they have my property. Basically, they are stealing from me and hiding behind some bogus rules of theirs. When consumers owe the banks money, they hound on you to get their money back. In my case, the roles are reversed and this bank is hesitant to work with me to return my property back to me quick. This is unbelievable and their communication has been like XXXX!!
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (AR)

I received an email from XXXX XXXX a representative of XXXXrueAccord a debt collection agency on XX/XX/2023. The next day I saw this email on XX/XX/2023. The email was an offer to pay the balance of XXXX off in total at a discounted amount of XXXX. I processed a payment by debit card the same day XX/XX/2023 for this amount and received a message from TrueAccord stating it was paid off in full on XX/XX/2023 and further attempts to collect on the debt would cease. I have screen shots and a bank statement I can provide as proof of the offer, the transaction completion and bank statement records. Later in the this month I received a message from XXXX & XXXX XXXX XXXX XXXX. This is another debt collection agency stating the balance owed is still XXXX. I received this email on XX/XX/2023, upon receiving the email I immediately contacted the company at the phone number provided ( XXXX ) XXXX in the email. I spoke to a XXXX XXXX who is a floor manager. I explained the situation to him and we had several email messages back and forth following the call. I sent screenshots of the confirmation of payment made and the offer from TrueAccord. He stated that the offer I received on XX/XX/2023 was only valid for that day, however there was no indication of this in the email and certainly not when I processed the payment and received confirmation the debt balance was paid in full. XXXX XXXX then sent me a offer letter with the original balance of XXXX discounted to a pay off amount XXXX. So according to their records there was never a payment made which makes no sense. He stated the offer he sent was only valid up until XX/XX/2023. This entire situation seems unprofessional as I processed the payment and received confirmation the balance was paid and collections would cease. I have not received an explanation for where my funds paid on XX/XX/2023 were applied from XXXX XXXX.
Consumer complaint received 2023-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: National Credit Systems,Inc. (NH)

Disputed debt. Requested validation, providing 45 days to do so, company failed. 
Failed to update or remove said debt from all three credit bureaus. 
Credit bureaus have not removed Violating laws and rights Failed to investigate debt.
Consumer complaint received 2023-06-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

There were multiple ghosts Wells Fargo bank accounts opened in my name without my authorization back in XXXX of XXXX it was a total of 4. Each of these accounts were open for months and I don't know who or how they were opened. When I called and asked about these accounts all they did was close the accounts without providing me any info on how they were opened, were they were opened, and who opened them. I have no comfort that my person information is safe with this banking institution.
Consumer complaint received 2023-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

In XXXX of 2023 on multiple occasions, I disputed their statement requiring me to have a XXXX policy on my condominium. In addition to not renewing my policy despite stating their requirement that I have XXXX, they deliberately closed my escrow account to also ensure non-payment of my property taxes as an act of revenge. Later they insisted they restored my escrow account for both property taxes and insurance. 

In correspondence, they showed they also added a lender placed insurance policy, resulting in duplicate coverage. During a call with their public relations ( propaganda department ), they not only admitted this was true, but that it was also done the prior year, despite NO LAPSE in coverage. This is fraud and needs to be punished criminally. I never received any correspondence notifying me of this fact. The policy had automatically renewed just as it had for countless years. 

I now suspect they have done it for multiple years further back without my knowledge or consent. I can no longer work with them as they continually refuse to deal with me in good faith, which is why I am requesting your intervention. 

Therefore, I am requesting a FULL ACCOUNTING of my mortgage from its inception, or at least as long as this criminal organization has been servicing the loan. 

I also implore the CFPB, in tandem with XXXX, to order the transfer of my loan servicing to another ( hopefully non-criminal ) organization.