davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account REGIONSBANK XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (PA)

I used my citibank debit card at XXXX on XX/XX/XXXX. I received an email from citi bank asking me did i make the transaction and to confirm if it was me. I said yes and it said that my card was available to use again. Shortly after my account was locked, i couldnt use my debit card nor could i login online or view my bank statements. I called and they said a letter would be sent in the mail with a reference number. 7-10 business days went by and absolutely nothing came in the mail. I have been calling citibank for over a year now it is XX/XX/XXXX. And i still have been getting nonstop runarounds and transfers between departments only for them to tell me they arent the ones who placed the lock on my account. It is extremely frustrating not being able to have access to my account or my funds. I have not done anything wrong as a citibank client their business practices are UNETHICAL.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VT)

I called the Mortgage service line to inquire about dropping PMI. I asked specifically whether I could drop PMI based on change in Market Conditions or if I had to have made improvements. I was told Market Conditions would suffice. I then paid {$100.00}. for a Broker Price Opinion ( BPO ). Once the BPO came in it showed that the value was more than enough to drop PMI, however XXXX XXXX required that there be improvements made in addition to the value change. So they would not drop PMI. 

I asked for a refund of my {$100.00} since I had asked this exact question. They refused. I asked what else could be done. The mortgage servicer said I could request a transcript of my call. The call was XX/XX/XXXX at XXXX XXXX PM- this was the call I was told I could drop PMI if the value of the BPO was high enough, even without improvements.

I escalated to the executive service line and asked for a copy of the transcript of the call. I was told that was proprietary information and they would not deliver. I was told the fee for the BPO was non refundable. 

This is misleading and I never would have paid for the BPO, had I known that improvements were required.
Consumer complaint received 2022-08-19
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)

On XX/XX/XXXX a final payment in the amount of {$29000.00} was made and applied to my XXXX XXXX account to payoff the loan for my XXXX XXXX XXXX XXXX. To date XXXX XXXX has failed to update my credit report showing the loan as paid in full and the account closed despite multiple phone calls and messages requesting they update the reporting. Each time I am told they will update the reporting and it will take 30 days. I wait the 30 days and the reporting does not change. The account still shows the balance, and there has been no updates to the entry since XX/XX/XXXX. The XXXX XXXX website shows that the account is closed and paid in full. The customer service team has also confirmed it is paid in full and closed. This has caused my debt to income ratio to be inaccurately skewed which cost me to have a higher interest rate on my new mortgage and has also impacted my ability to finance a vehicle as the banks think this account is still open and active.
Consumer complaint received 2022-08-19
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. (MS)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXXXXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-09-15
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 — Their investigation did not fix an error on your report
Company: Credence Resource Management, LLC (TX)

I repeatedly am seeing updates on my XXXX and XXXX   credit reports of an alleged debt of {$590.00} to XXXX reported by a Credence Resource Manage allegedly opened on XX/XX/2019 yet Updated on XX/XX/2019. The alleged account is closed set to appear for a limited duration, so arent updates illegal? I have a separate complaint with the bureaus, but I have filed this one as I saw no way to file a complaint against the alleged creditor and am hereby requesting the bureaus to stop accepting the alleged creditors updates which circumvent my rights.
Consumer complaint received 2019-09-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: DISCOVER BANK (DE)

This a second Complaint against Discover Bank that lied to you on the first complaint which you closed upon that lie. Now the same problem is there again. In XX/XX/XXXX {$500.00} loan payment was not made which was due by XX/XX/2019. I did not pay electronically this time and in four days XXXX will start charging me default fees. I called XXXX today and they have not received a check from Discover that Discover assured they mailed to be received by XX/XX/2019 due date for payment
Consumer complaint received 2022-08-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-08-19
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OH)

On XX/XX/XXXX I filed complaint # XXXX against Equifax regarding inaccurate information listed on my credit file and improperly investigating my disputes. In my complaint I listed the accounts that needed to be reinvestigated. I have made several attempts within the last 6 months to resolve this issue with Equifax. It has hindered me from a positive financial future. I recently called Equifax on ( XX/XX/XXXX ) and spoke with XXXX, a manager in the Consumer Affairs department and explained that I have filed a complaint regarding the accounts and issues Ive been dealing with. She advised me that she was aware of the complaint and advised me that I needed to file a FTC report to have my issue and complaint resolved. She advised me that upon sending in the FTC report the items would be deleted from my credit file. So I faxed my FTC report over to Equifax and called back to verify they received it. I then spoke with XXXX and he verified my identity by asking me to take a picture of myself as well as my license. He was able to see my CFPB complaint as well as my previous disputes and the FTC report I was told to send in by XXXX. I mentioned to XXXX that I had discovered some new information on my report that was unauthorized and had been newly added when Equifax received my CFPB complaint. I advised him of the conversation I had with XXXX about sending in the FTC report and having the items removed from my report! He agreed that she was correct and the items would be removed now that they have received the FTC report. I named all of the accounts that needed to be removed and XXXX advise that he was sending a request to have the items removed. He provided me with a confirmation # XXXX and reassured me that my disputes and CFPB complaint has been resolved but that confirmation number was only for the newly information that was added after Equifax received my CFPB complaint. Today I received notification from the CFPB to review Equifaxs response to my complaint. Equifax response was unfamiliar to me because the accounts that Equifax states that have deleted were never on my credit file, I didnt list these accounts in my complaint. Equifax didnt properly investigate my complaint or dispute but instead added a response belonging to another consumers complaint and credit file. My Equifax credit report still lists the inaccurate accounts I listed in my complaint, dispute and FTC report. Equifax has listed accounts belonging to another consumer and is misrepresenting these items as if they belong to me. Equifax is alleging that the items I disputed has been removed but their still listed on my report as of today.
Consumer complaint received 2022-07-02
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. (NV)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : Loan Account Holder : XXXX XXXX  XXXX XXXX Loan Account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Consumer complaint received 2022-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NV)

Today, after my work hours of XXXX, I went to deposit my payroll check to my Wells Fargo N.A XXXX account. I have had this account since XXXX, XXXX. However, multiple barriers posed problems for me and I am concerned that WF is not fairly accepting my deposit. If I can not use my money and if I incur charges ( overdraft fees, etc ) then WF stands to gain. 

Obstacles included : -Website access was limited for unspecified reasons. 
-Rejected password; required a reset of password even though I have a password application and have used it for 10 years. 
-Authenticator code they provided on my cell phone was incorrect ( it wasn't ). 
-Amount of check was entered incorrectly ( it was correct ). 

Also, their website instructions are to endorse the check and write " For WF XXXX Deposit Only '' but if their website is down, then they would be allowed to reject the funds to my account if I attempted to drop it through the ATM because it would no longer be for mobile deposit. It's possible that WF is making money on charges by its software/mobile app by not accepting your deposits and that would be unfair practice. 

Is there anything that CFPB can do? Thanks.
Consumer complaint received 2022-08-19
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. (AL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy # XXXX
Consumer complaint received 2022-08-19
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I was trying to sell an item on line. The caller said that he would pay me through XXXX. I downloaded the app. I got an email stating that I have to upgrade my account by sending {$650.00} and then I will be fully refunded. It was a scam I authorized the transaction but nothing was refunded. I called Chase and XXXX but they refused to refund me. 
Agent name ; XXXX XXXX XXXX Agent Email ; XXXX ; Effective time of 30 minutes _______________________________________ Above is the XXXX Agent Information you are required to Send {$300.00} USD and get back to us with a proof ( screenshot ) of it sent so your account will be successfully upgraded and we will release the total sum of {$800.00} USD,
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (PA)

I have had a Pa Eppicard for years. The card had read a balance of less than {$25.00} every time I checked it. I was told by XXXX XXXX in XXXX of XXXX after inquiries that the payments had been made in XXXX and there was over {$9000.00} in my account. So now the money shows up. I was able to take {$500.00} off of it and then no more. They had deactivated the card and told me I should have received a new way to go card. I told them I had never received the card. I was told they would " white list '' the card I had and that I would be able to use it. 2 trips to 2 different banks and many phone calls later I was still not able to take the money out. It the message coming back declined. Service agent XXXX at XXXX Eppicard stated it must be the bank declining it but also said the card was not active. In summary for more than a year they have through deceit kept money from me and when hiding it no longer worked they shut the card off under the guise of we sent you a new card
Consumer complaint received 2019-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

The following accounts listed below do not belong to me. I requested copies of the original signed consumer contracts documents showing proof of my signature from the credit bureaus twice and I did not receive any contracts verifying I opened these accounts. Therefore, the credit bureaus are showcasing inaccurate information. I made two attempts and all accounts were verified without my consent and original contracts received. The first written attempt was made on XX/XX/2019 and the second written attempt was made on XX/XX/2019. 

Listed below are the accounts : XXXX XXXX XXXX XXXX XXXXxxxx XXXX/XXXX/XXXX XXXX XXXXxxxx XXXX/ XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX   XXXXxxxx XXXX/XXXX XXXX XXXX XXXXxxxx XXXX/XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX XXXX XXXXxxxx XXXX XXXX/XXXX XXXX XXXXxxxx XXXX/XXXX XXXX   XXXX XXXX XXXX XXXXxxxx XXXX/XXXX  XXXXxxxx
Consumer complaint received 2022-07-12
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. (AZ)

I opened a small loan about 3 months ago, on a 2 year loan term. I took advantage of the 3 months interest free, if the loan was paid off in full within that time. I successfully complete the obligation on the loan. A review of my Equifax credit report showed that positively paying off the loan within the terms of the loan agreement dropped my overall credit rating from Good to Fair, and dropped my credit score by XXXX XXXX. Now, in the process of refinancing an auto-loan, Ive lost the improved interest rate I would have attained under a rating of Good to where I have to accept a higher interest rate or decline the loan, for the positive completion of another loan, within terms. 

Im discussing this issue with Equifax, they tried to point me to a credit counseling service. Instead. I wanted someone to explain their algorithm for how the positive settling of a loan had such a drastic and negative impact on my score and rating.
Consumer complaint received 2022-06-28
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-09-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I deposited four {$500.00} money orders on Saturday XX/XX/XXXX via the closest ATM to my location. You credited my account with a note underneath it stating that the monies would be available on XX/XX/XXXX. On XX/XX/XXXX you subtracted each of the {$500.00} money orders one at a time - throwing my account balances in whack, collecting insufficient funds fees to the amount of {$140.00} for transactions that were covered from a different deposit. 

After reaching out to XXXX they connected me to the website to track using the money order serial numbers and all for money orders cleared on the ninth. https : XXXX? XXXX XXXX serial numbers : ( 1 ) XXXX ( 2 ), XXXX ( 3 ), XXXX ( 4 ), and ( 5 ) XXXX. 

I have screenshots and will be submitting them to the CFPB to fine your organization & be investigated for fraud. How much interest do you collect on other peoples money without legally being allowed to do so? 

BANK OF AMERICA HAS STILL NOT RELEASED THIS {$2000.00} DEPOSIT HOLD ~ which I just proved was cleared on XX/XX/19.