davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-28
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)

Just got a copy of my credit report, and I discovered an account that are not mine. That I've become a victim of identity theft shocks me. I've been upset by this because I'm trying to get my family a house. As soon as you can, please delete this fraudulent account from my credit report.
Consumer complaint received 2022-07-30
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)

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that XXXX, Equifax and XXXX decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. PLEASE remove these unknown items from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Balance {$25000.00} ; Bankruptcy XXXX XXXXXXXXdismissed US BKPT CT FL XXXX XXXX XXXX on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX ; XXXX  XXXX Bankruptcy : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ;
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a complaint and they ignore me and they think they are above the law. XXXX XXXX Has violated my rights the truth in lending Under regulations 523 ( a ) ( 6 ). A willful and malicious injury under Section 523 ( a ) ( 6 ) requires proof of a deliberate or intentional injury, not merely a deliberate or intentional act that leads to injury. XXXX XXXX XXXX, 523 U.S. 57, 61 ( 1998 ). 

As I understand the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : XXXX. The statute gives the consumer the right to dispute the claims XXXX. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute XXXX XXXX posted a late payment on a closed account. See attached this violates my rights and it is a deliberate and intentional injury. When my rights is protected to the point when I have any items in dispute It cant be on my credit report until they prove they have a legitimate claim. Under the rules and regulations truth in lending they must be 100 % accurate in their reporting. 
XXXX XXXX is {$4400.00} according to the letter they sent they have stated the balance {$4000.00}. Do you see anywhere in this letter balance is {$4400.00}? Read their validation letter Does the letter says 0 high balance? Then it is incorrect! Remove it. 
That is factual error and according to the rules this must be deleted immediately. Furthermore, the late payment on a closed account is intentional malice behavior that indicate their slandering is malice and against the law. I hold you TransUion responsible to allowing this Malicious attack and you are an accomplice to this behavior See attached this is incorrect and not factual it lacks the 100 % accuracy and therefore you must remove immediately. late payment as I have enclosed their malicious slandering and I hold you TransUion responsible for my injury. For you have failed to obey the rules and caused me haram and damages As per the regulations ( 12 CFR 226.13 ( d ) ), I have the following rights : 1. The statute gives the consumer the right to dispute the claims 2. Your creditors are prohibited from issuing an adverse credit report to the credit reporting agencies while this matter is in dispute You must remove all negative and derogatory slandering from my report until it is validate it. Till then you MUST REMOVE ALL IN DISPUTE OF MY REPORT.
Consumer complaint received 2022-08-30
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. (MD)

XXXX XXXX XXXX has violated my privacy rights according 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan a late payment for any purpose.
Consumer complaint received 2019-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

On XX/XX/2019 Weltman , Weinberg & Reis Co. , L.P.A . sent my co-signer a notice in the mail stating that a payment was not applied to the account # XXXX in the amount of {$45.00} but I made an electronic payment on XX/XX/2019. 

They are showing a balance of {$1900.00} and I have a balance of {$1900.00}. 

The information they are providing is inaccurate.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (UT)

THIS IS A NOTICE FOR REGIONAL ACCEPTANCE : Upon discovery, on XX/XX/2022 REGIONAL ACCEPTANCE obtained my private information from XXXX XXXX XXXX XXXX without my written instruction or consent which in turn has ruined my reputation. Upon receipt of this notice and my written instruction, this inquiry needs to be deleted within XXXX from all Credit Reporting Agencies XXXX An Identity theft report has been filed, and you will find REGIONAL ACCEPTANCE as # XXXX on the report attached.
Consumer complaint received 2022-08-30
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc. (MI)

In XX/XX/2022, I was contacted by mail by three companies seeking to collect the same debt. First Financial Asset Management/First Financial Investment Fund III LLC XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX written communications seeking to collect the same medical debt. It can not be legal that three companies can collect the same debt. I have disputed this debt with all three companies. I have called all three companies. XXXX XXXX XXXX specifically told me they had lawyers in their employ to escalate cases when necessary. Overall, these companies have big official names when they're really just three different debt collectors seeking to collect on the same debt. This can not be legal.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (NV)

We recently switched to Square as a payment processor for The XXXX XXXX XXXX ( a XXXX organization ). On XX/XX/XXXX, we had XXXX transactions for donations totalling {$6900.00}. XXXX  sent an email saying they were closing the account effective immediately, but that they were going to hold the funds for at least 90 days. These donations are critical to our organization and Square has not provided any meaningful attempt to rectify this situation ( releasing the funds ) even after we said we'd provide any supporting documentation they would require. 

I've attached a copy of our determination letter from the IRS and a screenshot of the suspended deposit. More information about XXXX can be found here : https : XXXX
Consumer complaint received 2022-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions. 


In accordance with the Fair Credit Report Act 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 an account without my written instructions.
Consumer complaint received 2022-07-29
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

NAVIENT XX/XX/2007
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (IL)

In late XXXX I seen a charge for XXXX to my account I called chime said I did not no what that was and that my debit card has never left my site n Noone has ever had access to it I live alone.

They gave me provisional credit n I was satisfied they said I had to kill my card I said that wasn't necessary but agreed on XX/XX/XXXX they took credit back. Said that they investigated n that I Made the purchase I said I absolutely DID NOT. N DEMANDED THE XXXX INFO. TO THIS DAY I XXXX FIGHTING CHIME N THEY PUT ME OFF ON A REBTTEL. I JYST GOT WORD IM NOT GETTING MY MONEY BACK. ALL THE INFO THEY GAVE ME ON MERCHANT WAS " PHONE '' NO ADDRESS NO NAME OF COMPANY NO PHONE NUMBET. I SAID WELL IF THEY INVESTIGATED THEN I WANT TRACKING NUBER TO WHAT I ALLEGLDY PURCHASRD BC I DID NOT RECIEVE ANYTHING FOR XXXX. ..ITS BEEN 8 MONTHS. THEY HAVE ERASED ALL RECORDS OF THAT DISPUTE. I TRIED TO RELOOK TO MAKE SURE IM GETTING THE AMOUNT EXACT. N NOW ITS GONE ALL OTHER DISPUTES ARE TGERE. THEY. CHIME ENDED UP CLOSIBG ME OUT OF MY ACCOUNT WHERE I CLD NOT SEE MY MONEY. N ALL MY TRANSACTIONS WERE ON LINE BC I DOD NOT DROVE AT TIME. THEY LOCKED ME OUTA MY ACCOUNT FOR XXXX DAYS. THEY WLD NOT LET ME HAVE ACCESS TO MY MONEY OR EVEN SEE IT ON LINE IT WAS JUST GONE. I TOOK XXXX TO N FROM WORK. I ALMOST LOST MY JOB BC I HAD SO MANY POINTS ACCUMULATED IN THAT XXXX  DAYS THEY WLD NOT RELEASE MY FUNDS TO PAY XXXX I ALMOST HAD A XXXX I WAS SO SO DEVASTATED AND DISTRAUGHT THEY WLD NOT TALK TO ME ON PHONE KEPT SAYIBG I HAD TO EMAIL IT WAS A NIGHTMARE. WHEN I GOT BACK TO WHERE I CLD SEE MY ACCOUNT I WENT STRAIGHT TO ATM TO GET ALL MY MONEY OUT OF THAT ACCOUNT. N MY CARD WAS CANCELLED. WITHOUT ME HAVING TO RELIVE IT ALL LETS JUST SAY THEY ARE NOT BEING TRANSPARENT ON THIS " PHONE '' DESL FOR ALMOST 100 OUTAMY ACCOUNT. THIS BEEN GOING ON FOR 8 MONTHS NOW. I ONLY KEPT CHIME AFTERWARDS BC OF THE TRANSFER TO ANYONE IN SECONDS FREE OF CHARGE AND THE XXXX XXXX FOR WEEKS I WAS OFF AFTER ALL THAT STRESS I HAD XXXX XXXX PROBLEMS XXXX OVER XXXX FOR 3 MONTHS. THEN MY XXXX  HAD TO CONE OUT I WAS AN EMOTIONSL MESS THINKIBG THEY STOLE ALL MY MONEY LOCKIBG ME OUT. I HAD NOT A DIME TO MY NAME BC I CLDNT DRIVE SO I DID EVVVVERYTHING ON LINE TO DELIVERIES TO XXXX EVERYWHERE. I HAVE MADE OVER 30 CALLS OVER 50 EMAILS TRYING TO PROSECUTE THE VENDOR. I WANT MY HARD EARNES MONEY BACK I DOD NOT MAKE THST AUTHORIZATION N THEY KEEP WORDIBG IT DIFFERENT N WILL NOT GOV ME STRAIGHT ANSWER ON CONTACTIBG VENDOR. IM SORRY FOR MY PENMANSHIP I LOAD XXXX XXXX FOR XXXX N ITS XXXX IN XXXX XXXX  SO MY FINGERS ARE XXXX XXXX N IM TEYING TO TEXT THIS FAST ON MY LAST BREAK. CHIME IS TE ACCOUNT HDER DENYING MY REFUND THAT THEY AUTHORISED NOT ME
Consumer complaint received 2022-08-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

Case # XXXX I urge CFPB investigate into the internal operations of CitiBank 's executive office.

CitiBank has failed to handle all my earlier complaints appropriately. In fact in response to my last complaint ref : XXXX the citibank 's executive representative called me and told me he does not understand my complaint. My previous complaint was very much straight forward but because these people are scumbags at citi 's executive office they called me and said they do not understand my complaint. 

When none of their tricks worked to get past my previous complaint, the citibank 's executive XXXX sent me an email stating, " we ask that you please interact with our branch staff and Contact Center agents in an appropriate and professional manner. '' When they realized that my earlier complaint were indeed not handled appropriately, they put the whole blame on me. 

There is nothing executive about these operators, these people at citi bank 's executive office are a one hundred percent certified XXXX
Consumer complaint received 2022-08-30
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: Synovus Bank (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights 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.
Consumer complaint received 2022-08-30
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)

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

15 U.S.C 1681 section I602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WSFS FINANCIAL CORPORATION (GA)

XXXX did respond to my complaint by saying they did not own the loan so they did not have to do anything to help. I contacted the owner they also did nothing to help my wife and I. 

Mortgage owner is : Wilmington Savings Fund Society FSB, not in its individual capacity, but solely as owner trustee of XXXX XXXX XXXX c/o Wilmington Savings Fund Society FSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX : XXXX XXXX Loan number- XXXX
Consumer complaint received 2022-08-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (WA)

I have been a customer of wells fargo since XXXX. Since then there have been a number of transactions that they can not seem to justify. Pending and posted transactions that that do not add up to the total balance available once posted. As well as overdraft fees for payments that have already posted while available balance coverts posted transactions. Including multiple transfers to XXXX XXXX  2 most recently in the amount of XXXX each that were never credit to my XXXX XXXX once transferred but disappeared from my checking account. Wells Fargo seems to always have an excuse or justification for these things that do not make sense and leaving me with missing funds and no way for me to fight back.
Consumer complaint received 2022-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Consumer complaint received 2022-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NC)

Over the past several months, I have had to regularly contact mr. cooper to fix their mistakes. mr. cooper claimed to send me correspondence that I never received and threatened to convert me to an escrow on two different occasions. mr cooper failed to get proper documentation from my previous loan servicer and made me provide additional information. I understand incompetence but it felt like a ploy to extract more money from me that I did not owe. 

Approximately a month later, mr cooper threatened to convert me to an escrow account again because I allegedly didn't pay a tax. My title insurance came back clean but mr cooper gave me short notice to resolve a rather complex issue. Multiple employees told me I should just pay the money that I did not owe, which feels shady and underhanded. After doing all the leg work and provided the documentation, I was told I would receive a call that everything was okay. I had to call them again. 

Finally, mr cooper regularly sends out marketing materials that state " Final Notice '' and make me feel on edge. This also feels dubious at best as they are trying to trick consumers into optional coverages and features, again in an attempt to extract more money that they are not owed. Additionally, I have allegedly opted out of their shady marketing campaigns and still receive them. 

I just feel like this is an underhanded company that is intentionally misleading and does NOT have the consumer 's best interest at heart. This is coming from someone who has never been late on a payment and always pays on the first of the month with XXXX.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit Bureaus stated accounts ; total accounts, open accounts, closed accounts, balances, payments, and inquiries were properly investigated but how is that possible if the last activity date for each account is different? This is clearly inaccurate which means it is grounds for removal, update information, for claims of up to {$1000.00} per violation. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law also states that if a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to {$1000.00} for each willful violation. 

Attached highlighted in yellow is inaccurate information on my credit report
Consumer complaint received 2022-08-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.