davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (FL)

In XX/XX/XXXX, my husband and I purchased closet organization from " XXXX XXXX XXXX ''. They were promoting interest free financing. The term was for 18 months. Wells Fargo Home Projects provided the financing. Each month I sent them {$150.00} paying extra each month towards the charge of {$4500.00}. My credit limit given is {$5600.00}. I had {$150.00} left to pay of the {$4500.00} when I received my bill 2 days ago. The bill states that I now owe {$1000.00} of which {$900.00} is an interest charge. I thought there must be some mistake so I called Wells Fargo Home Projects. The representative stated that the promotion period ended and therefore I would be charged the entire 18 months interest because I did not pay it off by XX/XX/XXXX which was 7 days ago. I asked for additional assistance and the rep transferred me to a supervisor who offered a 25 % discount off the large lump sum interest charge. I don't feel it is appropriate to charge someone {$900.00} or even {$680.00} for 7 days past XX/XX/XXXX. This is a terrible product and the fact that they are taking advantage of consumers by tacking on all this interest no matter what balance is owed. It is unethical and should be illegal. Consumers should be protected from these types of financing programs and terms.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. 
On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. 
On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. 
Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. 

Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. 
2. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a one time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. 
3. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX 4.In the Letter Response from Comedity Bank/Sephora : The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 
5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. 

**ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXXXXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED**
Consumer complaint received 2024-09-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: SoLo Funds Inc. (FL)

Solo has stolen my funds and won't let me access my money : I have not been able to withdraw money from my wallet into my bank account for several weeks. I continuously reach out to the support team, and they lie and say they will fix it. I am deeply concerned about this situation and find it unacceptable for a company to handle funds in such a manner.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My identity has been stolen and someone had my SSN. They opened a savings and checking account in my name online on XX/XX/XXXX. We found out about it and closed the account XX/XX/XXXX and told the them they need to block anyone else from opening any more account in my name. Well, another account ( savings and checking ) was opened with huntington bank XX/XX/XXXX. Now we have to file police report and go through the whole process again.
Consumer complaint received 2017-08-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

I received a letter about my Wells Fargo branch closing in the future about a week ago. Last Tuesday, XXXX XXXX, I called the number provided in the letter, ( XXXX ) XXXX, for next steps as I have a safe deposit box scheduled for closure. I requested an appointment as soon as possible, but because of XXXX and XXXX XXXX closures, my appointment was made for today, XXXX XXXX, XXXX at XXXX. When I spoke on the phone to the branch last Tuesday, I was assured that I would have an appointment at both the XXXX XXXX branch as well as the XXXX XXXX branch where I would be relocating my safe deposit account to. In order to make the transfer, I had to close the box at XXXX XXXX and reopen at XXXX XXXX. The closure at XXXX XXXX went smoothly, however the XXXX XXXX branch did not attempt to make an appointment for me at XXXX XXXX until today, the actual day of the transfer, and only while I was closing my account at XXXX XXXX. Upon arrival at XXXX XXXX, the bankers were not expecting me and informed me that Wells Fargo is having a systemwide inability to open accounts, and has been since Friday, something XXXX XXXX failed to make me aware of. As a result, I was able to close my safe deposit account at XXXX XXXX but unable to open one at XXXX XXXX. As such, I have government-issued documents that are difficult to replace in my possession. After speaking with XXXX from CFPB this morning, at around XXXX PDT, I have decided to file this complaint, particularly in relation to the oversight of being allowed to close my account at the XXXX XXXX branch when the bankers should have been aware that I would not properly be able to open an account back up at XXXX XXXX and because they never made the appointment they promised me over phone at the XXXX XXXX branch until after I was well into the account closure process at XXXX XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

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.

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 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 informationisinaccurate.
Consumer complaint received 2024-08-24
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. (UT)

XXXX XXXX XXXX  actions constitute a serious violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) regulations. According to the FCRA, specifically 15 U.S.C. 1681b and 1681g, any entity reporting information to credit bureaus must have a permissible purpose and provide proper notice of the debt to the consumer. Furthermore, under 15 U.S.C. 1681i, they are required to provide validation of the debt upon request. 

Since XXXX XXXX XXXX began reporting negative information on XX/XX/year>, without my consent or knowledge, and has failed to provide the required written notice or validation of the debt, they have violated these regulations. Their actions have led to significant financial hardship and have imposed undue XXXX XXXX XXXX XXXX on me. Their failure to adhere to the FCRA and CFPB guidelines is both unlawful and detrimental.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

My rights are being violated as a consumer. I recently pulled copies of my credit report and noticed there is a bankruptcy being reported. I did request XXXX  XXXX and experian to remove it off my credit report I also sent a letter from the bankruptcy court stating they don't release linfirmation to the credit bureau. 
I am request this information be removed immediately
Consumer complaint received 2017-09-09
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. (CA)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I this rectified by improving their security features, by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Consumer complaint received 2017-09-09
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. (CA)

XXXX XXXX, 2017 Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected.
Consumer complaint received 2017-09-09
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. (CT)

Equifax gave me the message that my information may have been compromised in their most recent -- of multiple -- hacks. I went to get my 3 credit reports from the government website. The first would not give me it. The second -- XXXX -- has two CONSUMER REQUESTED inquiries from X/XX/17 and X/X/17 that I did not make. This concerns me and their tool for reporting an issue does n't have a section to report this type of issue. I believe anyone whose information was hacked in this should be given identity protection for far longer than 1 year as if you were a criminal with this information, you could simply wait 1 year and then do what you want with the information. This also means that verifying my identity with my financial institutions is a joke now because the information they use for that may have been leaked in this blatant disregard for data security. Why was this not salted and hashed? Why is it not mandatory that companies with this information do that? It 's not even a case where I or other consumers did something unintelligent. Instead, we have no control over the information Equifax has.
Consumer complaint received 2024-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION (MT)

I am writing to file a formal complaint against Navy Federal Credit Union for their failure to comply with the requirements of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) regarding my closed credit card account # XXXX. 
Despite my multiple requests for comprehensive documentation to substantiate the accuracy and validity of the reported debt, Navy Federal Credit Union has failed to provide the requested information, as mandated by the FCBA. Their response has been limited to mere assertions of the account 's accuracy, without furnishing the necessary evidence. 
This failure to comply with the FCBA 's requirements raises serious concerns about the veracity of the claims made by Navy Federal Credit Union regarding this account. Furthermore, I invoke the doctrine of estoppel, as the credit union 's previous assurances and actions ( or lack thereof ) led me to reasonably believe in the accuracy of the account information, only to be contradicted by their subsequent refusal to provide the requested documentation. 
Additionally, Navy Federal Credit Union 's wanton disregard for my rights as a consumer, as evidenced by their failure to adhere to the statutory obligations under the FCBA and FCRA, is unacceptable and potentially exposes the institution to legal liabilities.
Consumer complaint received 2017-09-09
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. (IL)

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Consumer complaint received 2017-09-09
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)

Through no fault of my own beyond simply having a credit card, Equifax 's lax security setup has allowed for possibly the largest breach of financial data in American History. I have contacted Equifax today X/X/17 to see my options and used their website to determine I am at risk of identity theft from the hack. They then tried to push me into their monitoring program, however, they want to take away my right to join a class action lawsuit again them which I will not do. I have put a 90 day alert on my accounts and will now hope and pray that I do n't get my identity stolen. I 've worked for years to obtain excellent credit and I would hate to see it ruined through no fault of my own.
Consumer complaint received 2017-09-09
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. (IL)

Equifax used my credit reporting history negligently, and let my information get leaked. Then, on top of this, they tried to get me to sign up for one year free credit protection, if I forfeit my rights to class action lawsuit.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (CO)

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Consumer complaint received 2024-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

XXXX XXXX XXXX XXXX XXXX, Iowa XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX NA - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

15 U.S. code 1681s- Responsibilities of furnishers of information to consumers reporting agency. 

I requested for Equifax to either update my credit report with accurate information or remove from my report XXXX auto group is a closest paid off account. 
Equifax is reporting inaccurate information which falls under statutory of damages. 

Down below is uploaded proof of paid off acct for XXXX reporting on XXXX XXXX and XXXX which is shown on Equifax.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (SC)

The account and inquiries in question are unknown to me and do not pertain to any transactions involving the acquisition of goods, services, or money that I have authorized or made. The information provided on some of these account has been deleted from other credit bureaus, which raises concerns about the accuracy of the reported payment histories and the validity of these XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XX/XX/year>
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I greatly value the relationship I have with the following creditors and have consistently made on-time payments forsuch a long time.This isolated incident does not reflect my overall commitment to honoring my financial obligations, and I have since taken steps to ensure this will not happen again. 

Given my otherwise positive payment history, I kindly request that you consider removing this late payment from my credit report as a goodwill gesture. I believe this adjustment would better reflect my responsible credit behavior and would help improve my credit standing.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (OH)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.