davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-13
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: Experian Information Solutions Inc. (AL)

Upon checking my credit sfter being denied credit, i initiated the dispute process with all three credit bureaus. This included accounts that are not mine and obvious identity theft. It also included addresses i never lived at and utilities for those addresses. I notified them that it was fraud and or identity theft. This was not taken seriously. In fact thry used the XXXX system to judt let the so called creditirs ( collection agencies ) verify with no real investigation as required by the FCRA. This is causing me irreprehable harm and thousands of dollars. Many of these so called collections never notified my in writing as required by law under the FDCPA. Likewise most of thesue have refused to provide verifucation and validation of these so called debts. Ones that responded to my dispute letters could not provide the contract or abrreement bearing my signature nor piroof of account is owed by me. As such these should be barred but thry continue to allow them to hurt my credit ating and cause me financial harm and diress.
Consumer complaint received 2022-06-06
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 : also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-21
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica (CA)

On XX/XX/2019 I logged on to usdirectexpress.com, I transfered approx XXXX  to my checking account and received a confirmation number. It specificaly said on there website that if the transfer does not go through that you will be notified. I was not notifed!
XX/XX/2019 I called direct express customer service and spoke with level 1 and level 2 customer service. I was told that they have been having technical issues with there website transfering funds to checking accounts and that it is not possible to do tranfers on there website anymore and they are advising customers to use there automated phone service to do tranfers to checking accounts. I had them connect me to the automated service and I requested the funds to be tranfered to my checking account and was given a confirmation number.
On XX/XX/2019 I called again because I wanted to make sure there would be no issues this time around. I spoke with level 1 customer service and was told that everything looked good on there end and that I should have the money in 5 days. I asked to speak with his level 2 manager because I did not want to take any chances with being given wrong information, such as happened in the past! He connected me with "XXXX" employee id #XXXX. I explained my situation to her. Explaining that this issue arrised on XX/XX/2019 and that I really needed my funds. After about 30 minutes of going back and forth with her she advised me that there is a NEW policy for tranfering funds to a checking account and that you must submit a copy of your state ID and copy of your checking account statement and that it must be emailed to XX/XX/XXXX and that it takes them 5 business days to process and approve.Then once its approved I can request a transfer again for the 3rd time and that I would have the funds 5 days after the transfer. I explained to her that I needed the funds urgently and pleaded with her to transfer me to the advocacy department or provide me with there phone number, she said it wasnt possible. I continued to ask her for options such as a corporate number and so forth. She said she had no other options for me and that she was disconnecting the call. She abruptly hung up on me!
THERE ARE OBLIGATIONS FOR PREPAID BANKING COMPANYS OR ANY FINANCIAL COMPANY FOR THAT MATTER. They are OBLIGATED to notify all customers by mail in the event that there are policy changes that affect your account. At the very least they can advise you on there website. Not this company! 
I have gone ahead and emailed the documents. I guess now I wait for another 10-12 days before I have my funds in my checking account if im lucky.
Consumer complaint received 2022-06-06
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 XX/XX/XXXX, these agencies have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX violations : Closed account, XXXX XXXX # XXXX Dept Edu. has 2 accounts with no knowledge I am not in school. Account # XXXX 2 Accounts from XXXX are closed. Not sure how 2 accounts were opened like that. # XXXX and XXXX Hard inquires XX/XX/XXXXand XXXX Equifax closed accounts : XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX #XX/XX/XXXX : Dept. edu. 2 accounts again- # XXXX and XXXX INQUIRES : XXXX and XX/XX/XXXX??? XXXX XXXX. 

XXXX Closed accounts :XX/XX/XXXX XXXX, XXXX XXXX with 2 accounts andXX/XX/XXXX Please remove all closed accounts these are privacy violations and I have asked several times for their removal and only more things appeared on the account to affect the score and have to dispute errors that don't belong.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (VA)

I, XXXX XXXX XXXX initiated a credit builder card approximately one year ago with Amazon under Synchrony Bank a FDIC backed bank. I have paid all balances by the end of each month. However, in XX/XX/2020, I noticed changes in the way that the bank was handling the account. In addition to using this card on the Amazon site, I also used it on XXXX XXXX. However, that is not a concern. The way the account is being handled by Synchrony Bank is the issue. In XX/XX/2020, specifically XX/XX/2020 and XX/XX/2020, I scheduled payments for {$40.00} and {$41.00} to pay off purchases made on Amazon and XXXX XXXX. The purchases were paid in full and I just recently noticed after paying those balances off, I was charged interest in the amount of {$1.00} for a balance of {$0.00} on XX/XX/2020. Then, I received a statement for XXXX, in which I paid but there is no corresponding transaction, and Synchrony Bank agrees, there was no transaction for this amount billed and paid. I paid the amount of known purchase from XXXX XXXX in the amount of {$39.00} on XX/XX/2020 after making the purchase on XX/XX/2020 and the balance should have been {$0.00}. It appears from a statement on XX/XX/2020, the credit card company ( Synchrony Bank ) forwarded a balance of {$39.00} and it was not paid. Known purchases in the amount of {$35.00} for XX/XX/2020, {$1.00} for XX/XX/2020, and {$20.00} for XX/XX/2020 have been scheduled and paid as of XX/XX/2020, XX/XX/2020, and XX/XX/2020. The credit card company, Synchrony Bank after receiving all these payments issued a statement indicating a balance of {$89.00} is owed with no transactions being made since XX/XX/2020 and all of those transactions were paid in full. Per the dispute forms filed, no further payments will be made on disputed amounts of {$89.00} or greater ( which includes any potential fees ( late charges, interest, etc. ) as all transactions not being disputed have been paid.
Consumer complaint received 2022-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A. (VA)

I have a business account with PNC bank. It looks like the fraudster was able to call in and change the address, remove the phone number and stop notifications on my account and order physical checks to the address in Alabama ( The company address is in Virginia ). Checks were overnighted to the new address and the fraudster issued a check in the amount of {$8500.00}. 

The PNC online system does not show pending checks and I saw this check only when it was already cleared. 

I have the PNC case reference number and an investigation is in progress.
Consumer complaint received 2022-06-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and Account name XXXX FOR XXXXXXXX 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 2019-08-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

There are seven ( 7 ) accounts listed on my credit file with each credit bureau, XXXX, XXXX and XXXX. I was never notified of the debt so I could request for verification. Also, I would like for Medical data systems to send ma all sign agreement and obligation since they are saying I owe for seven ( 7 ) balances. This is a violation and should be looked into more. Medical has ruined my credit because of this incorrect information.Just low down
Consumer complaint received 2019-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (DC)

Receiving calls after XXXX XXXX  at night from companies I've never heard of, including Calvary Portfolio Services, XXXX XXXX XXXX from several phone numbers including XXXX and XXXX. Most recent late night call from the latter number was XX/XX/XXXX at XXXX XXXX They rarely leave a message and when they do they indicate they are trying to collect a debt. My mortgage foreclosure was handled several years ago through a HUD program ( SOHAZ ) and is closed ( according to not only the former mortgage holder but my credit reports ). It was closed in XXXX. No one should be calling me about it, and it is indicated as closed/resolved with all credit score agencies. If a debt collector is calling me for any other reason they have the wrong number, but regardless of whether they're dialing looking for the right person or not, they're repeatedly calling after XXXX. at night which is illegal. I have received calls as late as XXXX XXXX. but only recently began tracking the calls because they keep waking me up! Usually by the time I get to the phone out of a dead sleep they've hung up or it has gone to voice mail, but then they rarely leave a message. Calvary Portfolio called me this afternoon, and left me a message for the first time identifying only that they were a debt collector ( I had to figure out the company name myself through other complainants posting with the caller ID info on the internet ). The robo message said they were calling about a debt and left a callback number, but I don't owe them any money.
Consumer complaint received 2019-08-21
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. (WA)

Equifax is reporting incorrectly paid collections on the following items, with partial account number XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see page 14 of the attached credit report. ) These XXXX XXXX were paid to the agency with the agreement that the collections would be removed from my credit report. XXXX and XXXX have removed them, but Equifax continues to report these collections even after I contacted the bureau. This inaccurate reporting is harming my credit score and these line items need to be removed from my credit report.
Consumer complaint received 2019-08-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America is reporting a delinquent credit card account to all three bureaus. I have never had an account with Bank of America. I spoke to their fraud department multiple times. I was instructed to dispute the errors with all three credit bureaus and I followed the instructions and reported the error inXX/XX/XXXX. The investigations were completed and Bank of America verified that the account and report were both accurate. I called the Bank of America fraud department again and they could not locate any accounts using my name, address or phone number. Bank of America initiated another investigation onXX/XX/XXXXand once again determined that the account is accurate. However when I call and speak to a representative they are unable to find any account that matches my personal information.
Consumer complaint received 2019-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.
Consumer complaint received 2022-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2019-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

if these accounts are for collection and collection is by default late, by default past due, number 3 both of them is a violation of FCRA- if its a collection, they should not say charge off. because a collection should not be late nor have a past due. Delete this error.. XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2022-09-22
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 my Wells Fargo checking and savings accounts were illegally accessed without my providing any bank information. Without my consent, {$25000.00} was transferred out of my savings account. 

Wells Fargo never notified me of this " oddity '' which had never occurred in any of my accounts in 23 years of being a banking customer. 

When Wells Fargo investigated the claim, they did not address the illegal transfer from my secure accounts. Instead, they attempted to reclaim the money from the checking account that had been immediately closed after the fraud. When they discovered the account was closed, they took no further action and closed the claim. 

They never took responsibility for account having been hacked from the outside without any of my consent and the money illegally transferred out of my savings account. The total loss was {$24000.00}. 

There was no disclosure to me of the fraud committed against my accounts and Wells Fargo claimed no responsibility for the fraudulent and unauthorized transfer of the {$25000.00} from my savings account.
Consumer complaint received 2022-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NV)

I have had multiple problems with Chase bank. A few months ago I opened two business checking accounts with them in their branch, these accounts were closed without warning about 1-2 weeks after opening them. Later against my better judgement I opened a personal checking account with Chase. I transferred in funds from my other account outside of Chase. Again about a week or so after opening this account Chase closed this account unexpectedly. It has now been a month since the account was closed and they have failed to return the funds in the account. I have asked them to both return them to the original bank or send a check to the address on file. The first time I called them shortly after they closed the personal checking account, they said I would need to visit a local branch and verify my ID. I went into the local branch on XXXX XXXX XXXX XXXX XXXX XXXX, the banker at the branch said that a check had been mailed out and should arrive to the address on the account within a few days, two weeks pass and nothing. I call Chase again and they pass me off to their fraud department, the man I spoke to said that no check had been mailed out and that one would be mailed out in a couple days. A week later I call them again, and I get transferred to the fraud department again. The rep this time was at least honest and told me that in fact no check was ever sent out and that I would have to visit the branch once again and the branch would need to call the fraud department and speak to the directly so they could issue a check. Im having to find time during my day to make time if I can even do so to go to the bank to handle this. Im deeply frustrated by the lies they have repeatedly told me, the time that has been wasted
Consumer complaint received 2022-05-20
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE (FL)

I am currently unemployed and my husband left me and our daughter. Still no word from him yet. He was the bread winner of the family so I was left with nothing whenever he walked away. We have been in forbearance for 6 months now. And I don't know what to do with the house mortgage. The last payment we made was in XXXX of 2021 in the amount of {$1200.00}... I need help with paying the mortgage and taking his name of our the house and property. now that our escrow is running out I'm getting really nervous on how to save our home. Please email me at XXXX ..... If you can please help me.
Consumer complaint received 2022-09-25
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. (MI)

I can not believe that you did a proper investigation of these accounts, before, during or after you sent my account information anywhere else. You should have found these obvious inaccuracies on my credit report. A credit account can not be both open and closed. Tell me how this is and why you continue to damage my credit with these obvious oversights? After my request for a line by line investigation of the accounts listed below you still did not make note of the inaccuracies, which is a violation of my federally protected rights. These accounts are inaccurate and must be deleted : XXXXXXXX XXXX  XXXX Account # XXXX was deleted from my XXXX and XXXX credit reports, and XXXX XXXX XXXX Account XXXX XXXX was deleted from my XXXX credit report XXXX These inaccuracies on my credit reports is very damaging to my credit, and I need it corrected asap. In Accordance With ( XXXX ) 15 U.S. Code 1681i - Procedure in case of disputed accuracy, ( D ) Automated Reinvestigation System ; Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. XXXX the Fair Credit Reporting Act, these accounts are in violation of 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 : States a consumer reporting agency can not furnish an account without my written instructions. I gave neither one of these companies written permission to furnish my account information.