davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MS)

Beginning XX/XX/2018 I begin my dispute process with XXXX, Equifax, XXXX   and XXXX concerning inaccurate and unverified bankruptcy reporting on my credit report maintained under my social security number. FCRA Section 611 ( a ) ( 2 ) requires the Credit Bureaus to contact the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged and dismissed bankruptcy. 

Therefore I have filed my FTC Identity Theft Report, and 605 B statement ( attached ) and mailed certified affidavits as notice of the guidelines of the Fair Credit Reporting Act has been violated as it relates to my credit file, according to the 15 U.S.C. 1681 2 ( b ) obligations to investigate. 

I requested validation of all data for this Bankruptcy reporting account, every notation, dates and balances, whether reported or not and errors pertaining to the following Personal Information. Per FCRA 611 ( 15 U.S.C. 1681I ) is required to provide me with a description of the procedure used to determine the accuracy and completeness of this disputed information. After my disputes were received by XXXX, XXXX, Equifax, XXXX, and XXXX XXXX, they are required under 1681i of the FCRA to forward me a dispute verification form to the original furnisher, requiring them to verify the credit information accuracy reporting.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 information is inaccurate.
Consumer complaint received 2022-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (MI)

Citibank- formerly my Sears card which I got solely to buy a new frig at their store - recently and arbitrarily reduced my credit limit from {$7000.00} to {$2000.00} for no good reason ( allegedly from non-use! ). This bullying tactic has just brought my XXXX  score down by XXXX points, from a constant excellent to just good. This is so nonsensical to me - most credit cards providers are happy when someone is responsible with their expenditures, payments and balances, Citibank is punishing me for it. I've had credit cards for years that I don't use all the time but they have never done this. They must be in some financial stress over there to punish me for what little bit of revenue I might provide with an expenditure I don't even wish to make at this time. It doesn't reflect well on Citibank as a financial institution to resort to this kind of coercion. I have written to them, saying that if they restore my normal credit limit ( {$7000.00} ) immediately I will put their card into my current spending rotation. But that doesn't feel right to me to have to do this. They have overstepped. I was deep in debt a few years ago, well over $ XXXX and I have worked hard to pay it off, and to keep it paid off. And to change my behavior. If I cancel their card, my credit score will drop even further. For being good! This can't be right. 

XXXX XXXX
Consumer complaint received 2018-07-23
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. (FL)

Supplied Experian, and XXXX credit bureaus with the Faxed, PAID IN FULL letter from XXXX XXXX XXXX, I also spoke with reps from XXXX XXXX   many times during dispute. Yet the account is reporting incorrectly as a CHARGE OFF after many attempts, certified letters, phone calls. Sent certified letters to bureausee requesting details of investigation including but not limited to, phone calls, names, proof etc. Letters ignored.
Consumer complaint received 2022-06-04
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. (MO)

The items listed below are reporting on my personal credit file and were found in my reports with XXXX, Equifax and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
NEGATIVE ACCOUNTS 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 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 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 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 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 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 XXXX XXXX} Inaccurate Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-04
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY (DC)

This is the third time my ID has been compromised. The first person was caught. The second person was a sibling deceased XXXX years ago. This person is ex-wife, recovering from a XXXX basically confined to the basement of my own home, she went online and forged my signature opening dozens of credit cards, in her name and her daughter 's name. Tax returns were received, my signature forged checks signed I never even saw. She was ordered the DC XXXX in XXXX of XXXX during the absolute divorce, no children with her, by the XXXX to : no longer use my last name or my address. She has been out of compliance for a year now, the law clerk told me over the phone there was nothing he could do about it, I needed a lawyer. I am XXXX XXXX XXXX with several other health issues. My oldest daughter found me atter 48 years, informed her mom whom I married in XXXX of XXXX, who discovered all of these matters. I have worked double shifts to own my home, didn't know I had XXXX grandsons plus XXXX daughters, my wife is currently doing everything she can to get me relocated. We have contacted all three Credit Bureaus, and have placed a Freeze on my accounts. I have also contacted the credit card companies as well as the IRS last XXXX. I was informed by the IRS it would take some time, however it would take some time, yet they assured me the matter will be legally handled. My current wife set up an insurance policy ID Protection Plan, where we are notified -red flag, as the person is allowing collections to take over the matter and no one knows where she is hiding. The head office of our insurance company is also involved in this matter. There should be more advocates out there for seniors, I am grateful for my current wife whom I have known almost 50 years, she went back to school at XXXX after retiring from Corporate XXXX and the XXXX went back to college for XXXX XXXX. I was very very ill upon learning of all of this, however my daughter works for my wife 's doctor, and I am taking some medications mainly for XXXX.
Consumer complaint received 2022-06-04
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. (TX)

So I sent a letter off on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/22, I tried to access my checking accounts via the XXXX XXXX  and received the error " We locked your account due to suspicious activity. Call us to unlock it. '' I called on XX/XX/22 ( a Friday ) and was told an account that I had just opened online ( at the bank 's recommendation ) was locked because my wife had used her XXXX app to make a deposit. So we had to go into a branch with ID to prove we made the deposit. Frustrating, but ok. In the meantime, ALL of my checking accounts, savings accounts, and credit cards can not be accessed either via the app or the bank 's website. Since I have paperless billing, that means I can not make payments on my credit card or pay other bills over the weekend. 

I called Monday morning to make an appointment at the local branch. An automated system informed me I had to make the appointment on the website. But, I am locked out of the website, so that's not possible. 

I called the local branch and was redirected to the central customer service office. After navigating the automated system to finally get to a person, she immediately transferred me to another department that had a wait time greater than XXXX minutes ( just to make an appointment! ). Realizing that this dept would be unlikely to actually be able to schedule an appointment, I tried again, navigated a bit differently, and reached a point where the system said no one was available to take my call and hung up on me. 

The last XXXX times I dropped by the local ( XXXX XXXX ) branch for assistance, I was told they couldn't help me because all available staff were helping people with appointments until closing time. So I believe I need to make an appointment, but it appears to be impossible in this situation. 

I still can not access any of my accounts and it is not at all clear what I need to do to regain that access.
Consumer complaint received 2022-06-04
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. (FL)

On XX/XX/2022 I sent Equifax certified mail via USPS which included a police report of my name, ssn #, address was being used on the dark web by someone else. It was delivered on XX/XX/XXXX according to USPS. 
On XX/XX/2022 I contacted Equifax to follow up with my concerns to delete these XXXX inquiries XXXX XXXX XXXX  from my credit report. I spoke with a representative XXXX XXXX and he denied that Equifax never received my certified mail which was false! I will provide attached documents of the certified mail. I have never applied or have any affiliation or any open accounts with XXXX XXXX XXXX. I have also contacted XXXX XXXX XXXX  to provide verification and signatures that these XXXX inquiries belong to me? Its been over 60 days and no response from XXXX XXXX XXXX. I am asking kindly to delete these XXXX XXXX XXXX XXXX  inquiries from my credit report immediately or legal action will be considered to have them removed.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (WA)

Citi Group has {$50000.00} of mine I placed in a savings account. I put it there for their interest rate and special bonus offer. They have been hard to deal with and get access to my money. I scheduled a transfer of funds back to my XXXX account from which I originally sent the money. The company has said they have flagged the account as possibly fraudulent and will close my account within XXXX business days. After that, I will have to wait another XXXX business days for them to mail me a check. I want my money now, and all they do is hang up on me after they read me a script when I call. I have heard of this happening to other people, and they reportedly never get their money. Please help!
Consumer complaint received 2022-10-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITY NATIONAL BANK (PA)

I wired money to CITY NATIONAL BANK. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX. My bank attempted to contact to re capture funds on two occasions and the bank simply did not respond. There customer XXXX  XXXX  or XXXX images is operating a fraudulent business and advised me to send {$3200.00} and no product would ever send the product paid for. I have reported XXXX XXXX to the XXXX XXXX XXXX and also the FTC. Their bank is who is at fault here.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

I deposited my paycheck on Friday and was only credited a small amount, but assumed that the rest would clear on Monday. It did not. I called Wells Fargo and they told me that they were holding my check for another XXXX weeks due to me having prior overdraft charges. I did not have any overdraft fees recently, nor any owed fees, yet Wells Fargo refuses to credit my account. I explained that I have automatic drafted bills coming out this week, and that if they don't credit MY funds to my account, it will cause more overdraft fees. They did not care. I asked how I am to pay my bills, put gas in my car, buy food for myself and my daughter. They did not have an answer nor did they care. They are holding my money XXXX in violation of the law, and have setup what appears to be a scheme which purposely forces overdraft fees to be charged to my account by purposely withholding my money. They refuse to provide any explanation, nor do they have any desire to comply with the law. When I asked the customer service agent how she would pay her bills and buy food in this situation, she hung up on me. I have no way to resolve this, and as of now, it appears that Wells Fargo has stolen my money and will not give it to me. Please help.
Consumer complaint received 2018-01-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (SC)

XXXX has a collection on my credit file. I sent a debt validation letter. They sent me a piece of paper with my name account number bill period and bill date with amount. I have also did a dispute on the item and it has been denied. I have no knowledge of this account. It has an address that is old. I moved in XX/XX/XXXX and they are stating a bill for XX/XX/XXXX at the old address. I did not have XXXX at that time. I have been with another cell phone company during the time they are stating.
Consumer complaint received 2018-01-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CT)

Loan Info XXXX Direct Loan - Subsidized {$4100.00} Loan Info XXXX Direct Loan - Subsidized {$1200.00} Loan Info XXXX Direct Loan - Unsubsidized {$9700.00} Loan Info XXXX Direct Loan - Unsubsidized {$2300.00} Total outstanding balance {$17000.00} I am requesting that these loans be forgiven in its entirety. From day 1, when I signed up for school I was very clear with my counselor what my intent was. Never, was I advised that this field requires 2-3 years experience just to get your foot in the door. After many years of gaining my own experience I am now a XXXX XXXX and have met many people who do the same work that do not require certification. I am beyond frustrated with almost {$20000.00} in student loans for nothing! I lost my job 2x since I have taken loans and could not afford. When I signed up I thought most of my fees were covered by grants, obviously that was wrong. 

After completing school I contacted so many people from Navient, student loans, so many different companies I have had to deal with only now to be back with Navient. I am not sure who has my loans but I am not educated on what to do if I cant afford so I called you guys, the professionals and never really understood what the heck I was getting into whether I was supposed to apply for forgiveness, repayment, forbearances and even when I guessed getting paperwork was a ridiculous process resulting in a few late payments reported to my credit which is now impacting my goal of buying a home for my children. Your associates are great with redirecting from one company who redirects you back then from one department to the next, then when you finally get a live rep on the phone you need to know a pin or know exactly how you filed your taxes prior years making it IMPOSSIBLE for borrowers. The government should be ashamed with what they are doing to families. I have XXXX XXXX and a XXXX  mom and my life is on hold because of this. Not enough education provided to borrowers or students. I feel that this entire process is a scam for the government to lock folks in. As a result of not knowing what I am doing and getting no help with education I am now almost $ 20K in debt and have no idea how to get out of this. I will also be filing the same complaint with the Department of Education, CFPB and Navient and will continue with the Department of Consumer Protection, Attorney General and/or media if I need to. This is not right to do this to families. I cant go anywhere with this on my credit and feel like my life is doomed!
Consumer complaint received 2022-07-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC (GA)

I was harassed today from Allied Interstate LLC. Not sure why they are calling me I dont have any debts and so dont owe anyone. This is very aggravating how companies can call and harass you over a debt you dont owe and never received and type of written communication. I will be getting in contact with an attorney regarding this harassment. I dont appreciate this company calling and harassing while Im trying to work. Most debt collection companies are companies who buy old debt that has already been written off and accounted for my the original creditor or organization. The original organization has already gotten credit for it. I will file a lawsuit against Allied Interstate for harassing me.
Consumer complaint received 2024-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (SC)

I had an account with Wells Fargo, I was scammed out of almost XXXX XXXX dollars they sent me a check and told me it was for a private shopper for me to cash the check go to the store and get XXXX XXXX XXXX XXXX and send them the numbers on the back. 
I did then the bounced the check and drained the money off the cards and Wells Fargo refused to refund my money they took my entire check every month and I get a check once a month
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (PA)

My name is XXXX XXXX, and a card linked to my Paypal card number ending in XXXX that I don't know about Paypal told me is under my name and under XXXX Bank. Still, I want y'all to verify if it is under my name and under that bank or tell me the person 's name and what bank it is under ; my PayPal account email is XXXX.
Consumer complaint received 2024-11-01
Product: Credit reporting 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 formally request the blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. This request is made pursuant to XXXX XXXX XXXX ( a ) and FCRA 605 ( b ). 
Accounts to Be Blocked and Deleted : 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX