davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-03
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)

XX/XX/XXXX I noticed I was a victim of fraud, I just turned XXXX so I honestly didn't know too much about credit until I needed it. From what I am told minors SSN are used by fraudsters to get many different things apartments, credit, loans etc. Unfortunately, I was a victim of this. I contacted XXXX, XXXX, and Equifax and told them of this XXXX was the quickest to fix my credit report. XXXX was the second to be fixed and Equifax I've been fighting from the date above until now XX/XX/XXXX. All the bureaus mentioned have all documents needed to fix this huge issue ex : DL, Birth certificate, SSN card. Who ever had my SSN was able to 1. change the last 4 digits with the credit bureaus 2.change my DOB 3. open authorized users in my name. 4. have creditors inquire on my credit report 10+ inquires ... Ive been given a total of eight dispute confirmations from Equifax none have a outcome still. This set me back before I ever got started to build credit.
Consumer complaint received 2023-01-16
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-10-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (TN)

I did not receive any notices from the company about debt collection. It should up in my XXXX XXXX credit report one day randomly. I never knew I even had an account or debt with that company. I received NO NOTICED about said debt. I never even heard of the company.
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

So previously, I had an account with Wells Fargo, but I had some unauthorized transactions and also someone hacked my account and I reported this to Wells Fargo and then I got an email from Wells Fargo indicating that theyre going to to close out my account and that I can reapply after 90 days Which I went into my local Wells Fargo branch to opening an account and they said that there is a lock on my profile so theres no way for them to open out account. They tried calling loss prevention to see if there is an override they can do it, but they said That I have to fill out an identity packet which when originally I had this happened to me, no one indicated that and its frustrating because Im just getting the runaround. I spent two hours at the branch trying to figure this out and no one is giving me some clear answers all Im trying to do is open up an account And loss prevention and identity that is telling me that I should be able to open up account but when the branch manager is trying to open up the account, it still shows that its locked
Consumer complaint received 2023-01-16
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my extreme disappointment and frustration regarding the lack of response from TransUnion, XXXX, and XXXX regarding the disputes I submitted to rectify inaccurate information on my credit report. 

I meticulously outlined the discrepancies, providing a comprehensive list of accounts and highlighting the blatant violations perpetrated against my consumer report. Despite my efforts, it has been well over 60 days, and there has been no acknowledgment or resolution from your end. 

I have attached copies of all the dispute letters I sent for your reference. 

It is disheartening to point out that your company is in direct violation of FCRA 623 ( a ) ( b ) by neglecting to mark the disputed account as such. The mandated 605 ( c ) running period has also been infringed, as the date of the last activity on this account is inaccurately reported instead of reflecting the last payment date. 

Furthermore, your consistent failure to validate this collection account is a clear violation of FDCPA 809 ( b ), as per the FTC 's opinion on the matter. 

I find it imperative that you address these issues promptly and rectify the inaccuracies on my credit report. Failure to do so will leave me with no option but to escalate this matter further through legal avenues available to me. 

I anticipate your immediate attention to this matter and a swift resolution.
Consumer complaint received 2024-10-18
Product: Credit 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: SYNCHRONY FINANCIAL (CA)

XX/XX/year> I bought one wifi router online ( XXXX ) and XXXX took 2 of them. I contacted them immediately to cancel the purchase, but they said the item had already been shipped and I couldn't cancel. They said they would refund my credit card if I returned the item after receiving it, so I asked for an address to return it to, but the address is in XXXX. It's a fraud company where you have to pay expensive shipping costs and who will return it? 

Since a refund was not possible, I called my credit card company and explained everything and requested a refund, but they said they would investigate for 60 days, so I waited, but nothing was resolved and I was only scammed. This is what I have so far. I am sending the credit card company and bank information as follows. 

Venmo / XXXX XXXX XXXX XXXX XXXX bank : synchrony bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request refund the money : {$130.00}
Consumer complaint received 2019-09-03
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. (TN)

I AM A VICTIM OF IDENITY THEFT. I SENT INTHE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX   CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPLEN BY THE THEFT AND NOT ME.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (MS)

Hello my name is XXXX XXXX I had my identity stolen and hackers got into my stock account and bank account. Ive got it all cleared up with the bank and I got my money back! But Robinhood whose holding my stocks havent responded and thats where all my money was! Ive sent hundreds of emails. Filed a police report. And even got a lawyer now and nothing yet. Can I please get help from someone! Ive complained to the SEC as well
Consumer complaint received 2023-01-16
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX  XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

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 XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2023 I filed a complaint with all 3 credit bureaus, Experian, XXXX and XXXX to advise the County of XXXX XXXX DCSS ( Child Support ) office the they were not reporting 100 % accurate. In addition, this account appears on my credit report as a " LOAN ''! That is totally wrong! 

CHILD SUPPORT : 15 USC CODE 1681E ( B ) & 15 USC CODE 1681I ( 5 ) FAMILY SUPPORT SERVICES DEPT Partial Acct # XXXX. Status : Open This account is in violation not reporting 100 % accurate. It lists the child support court as the furnisher. That is forgery and misleading when the courts dont report this type of account!
Consumer complaint received 2019-09-02
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: CITIBANK, N.A. (NY)

There are a few accounts on my credit report that I've never given consent or permission to give me any lines of credit under my credit report or to run my credit or put unauthorized inquiries on my report 1. XXXX XXXX ( XXXX XXXX ) -date XX/XX/XXXX -amount {$380.00} 2.citibank stu ( student loan ) -date XX/XX/XXXX {$13000.00} 3. us dept of ed ( student loan ) -amount {$9900.00} -date XX/XX/XXXX 4. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) -date XX/XX/XXXX - {$1100.00} 5 . XXXX XXXX XXXX -date XX/XX/XXXX - {$1000.00} 6. XXXX  XXXX XXXX ( sold to XXXX XXXX XXXX XXXX ) -DATE XX/XX/XXXX - {$1100.00}
Consumer complaint received 2020-07-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A. (PA)

I am a small business owner and desperately need a grant. The money is to be transferred directly to my business account with PNC bank. I was directed to link the grantor to PNC but received a message that PNC has made changes that prohibits my ability to complete this link.
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Nelnet, Inc. (CA)

As a consumer, I am enforcing my rights against unfair practices from all credit reporting agencies. FCRA 15 USC 1681 section 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer right 's to privacy. '' As a consumer, I have the right to ensure my private information isn't shared according to 15 USC 6801. I am opting out of the Agreement to report any information on my behalf as authorized by 12 CFR 1016.10 ( a ) ( 2 ) ( 3 ). 
XXXX, XXXX, XXXX, XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is supported by 15 USC 6801. It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. I do not consent to XXXX, XXXX, XXXX, XXXX and all other reporting agencies to furnish my information and whether, it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states, " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer is given an explanation of how the consumer can exercise that nondisclosure option ''. I, XXXX XXXX, the consumer ; was never informed by XXXX, XXXX, XXXX, XXXX and all other reporting agencies, of my right to exercise my nondisclosure option : 15 USC 1681 C ( a ) ( 5 ) : " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years ''. 
XXXX, XXXX, XXXX, XXXX and all other reporting agencies are reporting credit inquiries and nonpublic personal information without my permission, which is against the law because my credit report is in adverse account. Every credit reporting agency shall maintain reasonable and fair procedures designed to avoid violations of section 1681 c of 15 USC. Lastly, according to 12 CFR 1016.7, " A consumer may exercise the right to opt out at any time ''. I am opting out of your reporting services. 
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Consumer complaint received 2024-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/year> I tried to open a checking account at SOFI.

It requires that you put in your mailing address. My town, XXXX, CA does not deliver mail to our homes we get all mail to the USPS Post Office. Therefore it is a po box . SOFI does not allow po box es. I tried putting in my street address and that is not found.

I went on chat with one of SOFI 's agents he had me put in the address in many ways but none of them worked. He said that they verify addresses using USPS database and there was nothing he could do about it. He told me I had to go to USPS and get them to correct it! I have found no way to do this.

This means that no one in my town or for that matter anyone in a rural area would be able to open an account at SOFI. How can this be correct?
Consumer complaint received 2023-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION (PA)

M & T BANK HAS CHARGED OVERLY EXCESSIVE FEES TO MY CHECKING ACCOUNT IN THE LAST XXXX YEARS, INLCUDING {$6000.00} IN XXXXXXXX {$3500.00} IN XXXX AND CLOSE TO {$1000.00} IN XXXX ( ALL PRIOR TO THEIR NEWLY REDUCED FEES STRUCTURE IN XXXX. ) I HAVE PREVIOUSLY REQUESTED IN WRITING IN XXXX, XXXX AND VIA PHONE CALLS TO M AND T BANK SEVERAL TIMES DURING THE PERIOD THAT AN " AUDIT '' OF MY CHECKING ACCOUNT BE PERFORMED. MY WRITTEN REQUEST WAS NOT ACKNOWLEDGED AND WHEN I CALLED TO QUESTION FEES, I WAS TOLD THEY DO NOT PERFORM AUDITS. ALTHOUGH THERE WERE A FEW INSTANCES THAT FEES WERE REMOVED FOLLOWING MY CALL, BUT AT NO TIME WOULD ANYONE AT M AND T BANK AGREE TO REVIEW MY ACCOUNT IN TOTAL TO DETERMINE THE ACCURACY OF FEES. .ADDITIONALLY, MY CONCERNS FOR THE WAY MY ACCOUNT WAS BEING ADMINISTERED BECAME ESCALATED WHEN OUR ACCOUNT SECURITY WAS BREACHED. A FRAUDULANT CHECK WAS CREATED, MY SIGNATURE FORGED AND CHECK WAS CASHED IN THE AMOUNT OF {$2500.00}. THIS BREACH WAS FOUND BY ME, NOT M AND T IN XXXX, XXXX. THE FRAUDULENT CHECK CLEARLY HAD RED FLAGS THAT M & T SYSTEM DID NOT CATCH. IT WAS DATED XXXX, XXXX WITH A CHECK NUMBER NOT USED IN SEQUENCE AND NOT CASHED UNTIL FUNDS AVAILABLE IN XXXX, XXXX THE {$2500.00} WAS REFUNDED FINALLY IN XXXX, XXXX ( MORE DOCUMENTED DETAILS ON THIS ISSUE ARE AVAILABLE. ) I AM MAKING THIS COMPLAINT NOW BECAUSE M AND T BANK WILL NOT TAKE ACTION ON MY REQUESTS TO REVIEW THE EXCESSIVE AMOUNT OF FEES ( OVER {$10000.00} FROM XXXX TO THE PRESENT ) THEY'VE WITHDRAWN FROM CHECKING ACCOUNT OVER THE LAST FEW YEARS. ACCOUNT FEES APPEAR TO BE MAXIMIZED BY THE BANKS SYSTEM FOR POSTING DEPOSITS AND WITHDRAWALS AND HAVE BEEN IMPOSED WHEN I HAVE AVAILABLE FUNDS AT THE TIME OF A PURCHASE, BUT HAVE A REDUCED OR NEGATIVEBALANCE ONCE M & T SETTLES THE TRANSACTION. THERE ARE ALSO MANY INSTANCES WHERE MULTIPLE FEES WERE WITHDRAWN IN XXXX DAY.
Consumer complaint received 2023-01-16
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. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2017-11-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NY)

I feel the bank should have not giving me the loan if the roof of the house was not good. 

I bought a house on XXXX/XXXX/2016, the inspector that I got to inspected the house ( recommended by realtor agency ) told me the roof had about 5 years left, and I was ok with that. A month after I bought the house the homeowners insurance notified me that I needed to replace the roof or I was going to be drop from the insurance. Needless to say, I didnt replace the roof and the insurance dropped me, so I went to a different homeowners insurance but they also dropped me for the same reason. Now because I cant get insurance of my own, the bank picked a homeowners insurance on my behalf thats more than double. 
I feel the bank should have notice the roof of the house was no good even though the inspector said it had 5 years left and stop the loan process? 

Now I need to replace the roof which is going to cost me about {$13000.00}, my other option was to keep paying for a high rate homeowner 's insurance.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not 100 percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all. 

Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not 100 percent correct. So, could you please check on these and get back with me? Saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them. 


In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report. 

The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 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. 
15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. XXXX is aware and has proof in attachment labeled as exhibit A that corporation name is in violation. 
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX