davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-01-12
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. (VA)

I, XXXX XXXX am a natural born live and breathing human being, Pursuant to XXXX XXXX XXXX section XXXX states I have the right to privacy. This is an invasion of privacy as well! In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX, EQUIFAX, XXXX, XXXX XXXX, XXXX is reporting accounts on my consumer report, WITH OUT MY WRITTEN INSTRUCTION! 
IF YOU HAVE MY WRITTEN INSTRUCTION PLEASE PRESENT IT TO ME! ALONG WITH EVERYTHING ELSE IN YOUR FILES TO VALIDATE THESE ACCOUNTS ( listed below ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you have 30 days to provide me with this information! In the meantime your neglected actions constitutes as FRAUD, and these accounts must be corrected within 3-4 days. UNTIL YOU CAN FURNISH THE PROOF THAT I AM ASKING FOR SHOWING YOU ARE NOT IN VIOLATION OF MY RIGHTS. THIS IS NOT A MISTAKE, I WILL FILE A LAWSUIT FOR YOUR NEGLIGENCE OF THE LAW.
Consumer complaint received 2024-01-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (NV)

A hacker ( s ) started to charge my credit card starting XX/XX/. I saw total of 10 transactions until XX/XX/, so I notified my credit card to close the account and replace my credit card. I notified Affirm.com about fraudulent charges, however, they insist the could not provide any information even though they were charging my card since I do not have their affirm.com account. 

I notified those fraudulent transactions to affirm.com. They asked my name, phone number. I informed them I never gave them, and I will not give them, the authorization to charge my credit card. 

My credit card company reversed the transactions, however, Affirm.com kept charging me and reporting them as unpaid obligations to credit score agencies, so my credit scores tanked. 

Affirm.com is practically protecting the hackers personal information and their profit motives but they never intend to protect the fraud victims financial well being. I should have the right to know every information related to all the charges against my credit card accounts, and Affirm.com should be held accountable for not stopping or preventing illegal charges made by their subscribers. They should be obligated to prevent and eradicate fraudulent transactions by providing all the information victims need to protect their financial securities. Thank you
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

CASE NUMBER : XXXX Department of Revenue I have recently become aware of a significant legal development regarding child support, which directly impacts the validity of the aforementioned cases. According to a recent Supreme Court ruling, child support has been declared unconstitutional under Article 3, Section 1. In light of this ruling, I firmly believe that all prior child support orders and associated arrears should be vacated. 

I kindly request that you carefully review the implications of this ruling and take appropriate action to vacate the listed cases, including any previously ordered child support and related arrears. It is crucial to align our legal system with the principles established by the Supreme Court and ensure justice for all affected parties The Equal Protection Clause of the Fourteenth Amendment to the United States Constitution reads : " No State shall ... deny to any person within its jurisdiction the equal protection of the laws. '' I believe that my child support order, as it currently stands, unfairly discriminates against me and infringes upon my constitutional rights. I respectfully request that the Department of Revenue, State of Florida, re-evaluate my child support order, taking into consideration the following reasons for termination : Equal Protection : The current child support order places an unfair burden on me and does not provide for equal protection under the law, as mandated by the Equal Protection Clause of the Fourteenth Amendment. 

Best Interests of the Child : I believe that terminating the child support order is in the best interests of the child, as my ability to provide emotional and financial support has been severely hindered. 

The above IV-D case number is depriving me of inherent and indefeasible rights, privileges, and immunities secured by the federal and state constitution. 
Thank you for you cooperation
Consumer complaint received 2024-01-10
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. (FL)

I would like to follow up on the status of the accounts listed below, which are reported by 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 XXXXXXXX As you may be aware, most of these accounts have already been deleted from XXXX 's records, Now, since these Consumer Reporting Agencies does rely their information from the same furnisher for each account, I assume that they should have access to the same updated information as XXXX. 

I am requesting that they must delete the inaccurate accounts that were previously reported by their agency, as they have been deleted from XXXX 's records.
Consumer complaint received 2024-01-12
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. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I was called the XXXX of XXXX by a number that matched the chase fraud department ( XXXX ( XXXX ) XXXX ) i was told that i had a few transactions that needed to be reviewed of potential fraud and needed to xfer funds from my account because some one logged into my bank app from a different state and was trying use XXXX  at the same time getting notifications that matched up. 
i was very hesitant becuase I know not to share info, but after repeatedly checking the phone number online, i was convinced i was speaking with a chase agent. they also knew a lot of my personal information already which made it even more believable. 
i was asked to share a code sent to my phone so they could transfer to my " new account ''. i saw or did nothing but share code sent to my phone with the person on the phone. 

I then got another text saying the transfer is flagged for fraud and will be on hold until i call or will be cancelled on the XXXX of XXXX. 
at this point i called back the SAME NUMBER and was connected with the REAL chase service line and they told me the transfer had already gone through.. before the XXXX. chase allowed this to go through before speaking to me and now are denying my claims of fraud. this was almost my entire checking account. i have nothing left. 3 years of savings ... how will i pay rent!? my dog is scheduled for XXXX on the XXXX ... my life has turned upside down. please help me.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAVALRY INVESTMENTS, LLC (FL)

The account in question is listed as a charge-off. Charge-offs are considered Certificates of Indebtedness pursuant to IRS Publication 4681 ( 1. ) Canceled Debts, which means it is income and must be removed as income can not be reported in a consumer report, especially when the income reported does not belong to me as the consumer. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 concerning this account specifically, effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.
Consumer complaint received 2024-01-11
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: CBC Companies, Inc. (GA)

The three major credit bureaus are contacting this company to verify an alledged debt. The third party is not verifying the debt, only personal information that verify the identity or a possible match of address, phone number, etc. This method is by no way verifying a debt. There has been no contract of any kind with my signature, name or stating that I have done business with the debtors.
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

On XX/XX/XXXX, I discovered upon logging into my online account at Equifax that credit freeze I placed previously has been lifted without my authorization. An agent stated that someone with my personal information called in and made a verbal request to lift a credit freeze. Also made an update on my fraud alert to remove my primary phone number from the alert system. The agent was able to escalate the case to upper team to further investigate but did not provide any solution to further protect my account. I asked for extra layers of security such as two step authentication or verbal password but they denied such services are not available.
Consumer complaint received 2024-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

My Citibank account has been compromised from XXXX XXXX. 
Balance is approximately {$4.00} XXXX. This is a single name account with NO authorized person 's. 
I'm a victim of Identity Theft/Fraud for the past 3 years. Otherwise known as takeover fraud/theft. 

All of my identifying information & legal documents were stolen from my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on XXXX XXXX under my name, Social Security number & birthdate. 

For example XXXX XXXX XXXXXXXX has {$7.00} XXXX, Citibank has {$4.00} XXXX & XXXX XXXX XXXX was approximately {>= $1,000,000} I have a list of names of people involved. They have threatened me, harassed me, XXXX me for the past years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It has continued here in XXXX. 

While I was in Texas I filed 10 police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats & several FBI Ic3 reports. Sheriff report filed in Florida XX/XX/XXXX. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/fraud. 

I've filed several complaints with the FTC, Ic3 FBI online systems, most recent : FTC XX/XX/XXXX ref # XXXX FTC XX/XX/XXXX ref # XXXX FBI XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX CA. XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was hacked and felt that BofA did a poor job responding to the hack, plus they sent money to the thieves. Upon numerous calls to fix that, I requested the card be cancelled. The card was never cancelled. I twice visited a BofA office. 

Regardless, I was issued a new card number but no cards. I got a surprise notice that the annual fee was due. I had a card I verbally cancelled multiple times and yet evidently still had a card with BofA. 

THERE IS NO WAY TO CANCEL WITHOUT CALLING! 

I called. Waited 20 minutes. Got a representative. But oh no. I have to speak to a " XXXX  '' agent. I have/had ZERO intention of staying with BofA but I wasted another 20 minutes ... I was verbally assured the account was cancelled but am waiting for confirmation via USPS mail ... no email or notification through the app...

Finally rid, I assume, of BofA credit card. 

Get rid of the artificial barrier to exit!!!
Consumer complaint received 2024-01-12
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: WELLS FARGO & COMPANY (NJ)

Today, XX/XX/XXXX of 2024, I received a document from XXXX XXXX, executive office case specialist, enterprise complaints management office of Wells Fargo. The document suggests two addresses, Return Mail Operations XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX I am not sure why the person in charge provided the return address to this document, which does not have so much serious contents for me. I once thought I might write a letter to one of address ; however, the office address on the envelop said Origin ID : XXXX, Wells Fargo Executive Office, Wells Fargo-Corporate, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX United States US. So I have decided not to write a letter because of this discrepancy of address. I have checked the telephone number written on the document, XXXX and found out the web search suggests that this number is connected to social security scam and some legal issues recommended to submit a complaint. I recognize another number XXXX, which I treated as unwanted or scam call. I have attached all documents.
Consumer complaint received 2024-01-12
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc. (MD)

I started XXXX VA Loan assumption in XXXX for a property that was under a VA loan in Maryland. The lender, MrCooper ( Nation Morning Star LLC dba ), began the process in early XX/XX/XXXX after both the seller and buyer completed all required VA loan assumption documents per the Department of Veterans Affairs. MrCooper advertised on calls and email that the process could take " XXXX months ''. Over the next 6 months, MrCooper frequently did not communicate with either the seller, buyer, real-estate agents or title company. Average time to respond to the buyer was 14 days. A detailed breakdown of phone call and email communications between MrCooper and the buyer is available. 

At 6 months, both the seller and buyer contacted the escalations department of MrCooper for an update. Within XXXX hours we were contacted that the application was complete and set a closing date of XX/XX/XXXX. Seller signed and notarized documents from a separate state, buyer closed in Maryland. On XX/XX/XXXX the buyer logged in the MrCooper portal and noticed no change to account, the property that was closed on XX/XX/XXXX did not show up. Phone calls to MrCooer showed that the seller was still the owner of the account. A call to the escalations department on XX/XX/XXXX revealed that the closing never occured according to MrCooper, despite funds being transfered, deed signed, and a MrCooper VP signing the VA XXXX XXXX XXXX XXXX of XX/XX/XXXX. As of XX/XX/XXXX, MrCooper still will only state " they are looking into it '' with no further detail. Additionally, they will only call and contract the seller, as the buyer isn't shown as authorized on the account. 

Repeated attempts at resolution or information have been made by the seller, the buyer and the title company for resolution, with limited to no useful response by MrCooper. The buyer as initiated contact with a law firm to investigate potential claims to be made against MrCooper.
Consumer complaint received 2024-01-12
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Amsher Collection Services, Inc. (NJ)

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ, XXXX XX/XX/2024 AMSHER COLLECTION SERVICES XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX Alabama, XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies.

3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 
Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely. 
XXXX XXXX
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HEAD MERCANTILE CO., INC. (MS)

there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.

FTC is attached of identity theft report
Consumer complaint received 2024-01-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (SC)

I have filed several complaints with CFPB on Wells Fargo and The CFPB has failed to adequately address my concerns and complaints and continue to disregard my complaints when WELLS FARGO give them a fraudulent response. I have contacted WELLS FARGO several times asking for authenticated documents, recording or any evidence that they may have to prove that the transaction from @ draftking was authorized by me, they told me that I would receive these documents within XXXX to 40 days, well its only been a week and on today XX/XX/2023 I receive the following documents ( see documents attached ) they have failed to provide the required documents/evidence showing how they came to verify that these transaction were indeed valid where I have provided more than adequate evidence proving that these transaction were never authorized nor did I have knowledge or give @ draftking consent to withdrawn funds from my account. Now I see why WELLS FARGO is being sued for unlawful business practices, and its government agencies like the CFPB that is turning a XXXX eye to the fraud and failing to help we the people.