davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-27
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. (TX)

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-08-04
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: Bread Financial Holdings, Inc. (TX)

Hello, I had disputed the balance on an account reporting negatively on my credit report. I had a credit card through Comenity Bank for XXXX that ended up in collections. Over time the account was paid off and satisfied. I have documents from the collection agency and the court that the account has been paid in full and satisfied since XX/XX/2023. Comenity bank has refused to update the balance information after disputing the records with the credit bureaus even after providing court and collection agency letters stating other wise.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, IN XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX XXXX : {$480.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$5700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX PXXXX XXXX XXXX ) XXXX Balance : {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-08-04
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. (IN)

This is my 4th attempt at trying to get this company to remove information that does not belong on my credit report.

Per USC 15 6802. ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Also this item was charged off with 1099-C which means it is a certificate of indebtedness and has been claimed as income. It is against the law to be reporting on my credit report with a balance or at all anymore. 

Also consider the privacy act of 1974.
Consumer complaint received 2023-07-27
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DC)

On XX/XX/2023, I filed a CFPB complaint : XXXX against Carrington Mortgage Services , llc . CFPB received a response to my complaint from Carrington Mortgage on XX/XX/2023. I was never made aware of the XX/XX/2023, Carrington Response to CFPB until XX/XX/2023, delivered to me by XXXX with tracking. 

Please be advised that CFPB has redefined Complaint : XXXX as follows ; Alias, Complaint ID : XXXX. Apparently, CFPB has made an assumtion that Carrington served a timely copy at the same time of their receipt and immediately closed my case. Yet, as stated in paragraph one, I never received a copy until 3 months later. Otherwise, it would be unlikely that I would have to be filinig this third complaint against Carrington Mortgage. 

In this case I am charging Carrington Mortgage with a 'Criminal Act of Extortion ' in wrongfull solicitation of {$200.00} from money from me by telephone.the solitci. The first two pages in their response is as follow ; " We assumed that you were lapsed on your homeowners insurance therefore we paid our insurance company to take over as your new homeowners insurance company. Initially having received a letter from this company I called and spoke with one of their employees. I informed her that my homeowners insurance was paid up to date and had sent them receipts. She told me that we have no record of your payment. She went on further to say that if I did not authorize a payment of {$200.00} to Carrington Mortgage that they would move to process the entire loan amount on my property due. With doubt that they actually paid {$200.00} to an insurance company without giving me notice, I surrendered my checking account number to her over the phone. The company now admits in their response that they were wrong to have asked me for this payment. So what is legal argument does Carrington have to not return my money by check? They sent me a letter stating that they had already paid an insurance company on my behalf. I'm not buyiing that as the truth and if unchallenged they are making a lot of money from this homeowners insurance scam. Furthermore, if I don't receive a check from Carrington Mortgage in the amount of {$200.00}, I will take legal action against them as evidenced by this case # XXXX and file a new case against Carrington Mortgage with CFPB. 

I strongly urge CFPB to advise Carrington Mortgage to send a check payable to XXXX XXXX XXXX, XXXX, in the amount of {$200.00}, before or by close of this now third complaint. If my request is not resolved by this informal request, I will refer it to the next higher level.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is not a Customer Friendly Bank. I am an older person, and I utilize a tablet for all my online business. As it works best for me. I can not download on my tablet relevant to attachments. I have made Wells Fargo well aware of this through countless phone calls, Emails, letters, and complaints. I have talked to many, many, departments. Yet, I feel out of spite, they continue to send me attachments from the bank, and they answer formal complaints with attachments, when they know that I can not download attachments. They will not honor my requests to mail anything that includes an attachment. I have been dealing with identity theft since XXXX XXXX, which includes 2-3 hours daily of monitoring. And for this reason, I do not want friends and such to download these attachments which seem to always come from Wells Fargo for some STRANGE reason.!!
Consumer complaint received 2020-06-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am filing this Consumer Financial Protection Bureau complaint against Capital One Bank concerning an unresolved disputed charge on my credit card bill in reference to the purchase and return of a defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX  retail location in XXXX XXXX, CA. My repeated attempts to mutually resolve the matter with Capital One and XXXX XXXX have been unsuccessful. 

The Capital One case number is XXXX. Capital One is in possession of all paperwork necessary to resolve the complaint as submitted by the customer and XXXX XXXX with the exception, per their assertion, of a merchandise return receipt, which XXXX XXXX refuses to issue. 

I have demonstrated the follow facts of the case to Capital One. 

On XX/XX/2019 I purchased a damaged defective XXXX XXXX  XXXX cellphone from XXXX XXXX XXXX, which was presented to me in an unopened box as a fully functional undamaged device with warrantee. 

I returned the defective merchandise within the period and manner prescribed by XXXX XXXX 's published warrantee and purchase agreement. 

XXXX XXXX has acknowledged to Capital One that they received the returned merchandise in damaged condition. 

XXXX XXXX was left in possession of the returned defective merchandise by the customer, which XXXX XXXX also acknowledges. 

XXXX XXXX is refusing to issue a returned merchandise receipt citing superficial reasons possibly in violation of consumer law as to why they are refusing to issue the return merchandise receipt. 

The Capitol One representative has also acknowledged that given the facts presented XXXX XXXX should be compelled to issue the return defective merchandise receipt, yet Capital One refuses to move forward without receipt of the document. 

Capital One has stated the issue is open for review but they refuse to issue the account charge reversal nor will they escalate the complaint to MasterCard for further consideration in order to reach a satisfactory resolution of my dispute. 

Furthermore, although Capital One has acknowledged my written assertion of my Claims and Defenses rights pursuant to the Federal Truth in Lending Act, they continue to demand payment and charge interest on the disputed transaction amount. 

This should be a straightforward complaint to resolve yet Capitol One remains complicit and tied to XXXX XXXX exploitation of ambiguities in XXXX XXXX chargeback resolution procedures.
Consumer complaint received 2024-08-20
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. (CA)

I requested a credit line increase from XXXX XXXX and received a denial letter stating there was legal action pending against me. I a reviewed my Consumer Reports and there is no legal action pending by any credit agency. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never had any legal action pending against me on XXXX XXXX XXXXXXXX : acct number XXXX. Please investigate and provide Proof there is legal action pending. It proof can't be provided I demand my credit is updated and the legal action be removed from my reports.
Consumer complaint received 2023-07-27
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$100.00}
Consumer complaint received 2023-08-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (WA)

Original Creditor : XXXX XXXX ( XXXX ) Account : WAYPOINT RESOURCE GR Date opened : XX/XX/2022. 
Balance : {$160.00} I have disputed 3 times with XXXX company including 2 times online and XXXX time in the mail to XXXX XXXX XXXX XXXX XXXX said it verified it belonged to me. But I am just a college student, and no job to open XXXX alone. I am using everything with my family, so my parents and my older sister paid for everything for me. My sister have a very good score to buy a house and a good job in XXXX. I believe this account from someone and it does not belong to me
Consumer complaint received 2023-07-27
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. (AK)

In accordance with the Fair Credit Reporting Act, section 602 ( a ) of 15 USC 1681 emphasizes the importance of consumer reporting agencies conducting their responsibilities fairly, impartially, and with respect for individuals ' privacy rights. Equifax and XXXX are recognized as consumer reporting agencies, while I, as a consumer, hold the right to safeguard my private information. This right is supported by section 6801 of 15 USC, which specifies that financial institutions have an ongoing obligation to uphold customer privacy and protect the security of their nonpublic personal information. The entity referred to as the XXXX XXXX XXXX ' falls under the definition of a financial institution as per the mentioned title. 

Section 604 ( a ) ( 2 ) of 15 USC 1681 outlines that a consumer reporting agency can furnish a consumer report solely based on explicit written instructions from the relevant consumer. Neither XXXX XXXX XXXX ' nor the consumer reporting agencies ( Equifax and XXXX ) possess my consent to share this information, and certainly not my written consent. Consequently, any consent previously given to Equifax, XXXX, or the XXXX XXXX XXXX ' whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Section 6802 ( b ) ( c ) of 15 USC asserts that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is informed about their right to exercise the option of nondisclosure. XXXX XXXX XXXX ' failed to inform me of this right. Furthermore, as stated in 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including certain adverse items of information in a consumer report, unless authorized under subsection ( b ) or if the information pertains to convictions of crimes that occurred more than seven years prior. The account being reported is an adverse item without my consent, which is a violation of the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to any consumer reporting agency when there is knowledge or reasonable cause to believe inaccuracy exists. Also, 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations of section 1681c and restrict the provision of consumer reports solely for the purposes listed under section 1681XXXX. Equifax and XXXX are failing to uphold these reasonable procedures. 

Additionally, as per 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any time. As of XX/XX/2023 I am exercising my right to opt out of your reporting services. 

Attached below are images from my consumer report containing evidence of Equifax, XXXX, and XXXX XXXX willful noncompliance. 

Thank you for your attention concerning this matter!
Consumer complaint received 2023-08-18
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)

The moment I received the duplicate of my report that I purchased with MyFreeScore dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were CHARGE OFF, COLLECTION and LATE CLOSED accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these charge off and late closed accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXXXXXX XXXX

Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX ; INQUIRIES : XXXX XXXX  Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2020-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My complaint is with Bank of American and the length to which they hold onto my money without restitution. 

On XX/XX/XXXX, I planned to transfer money between my checking accounts at Bank of America ( and ultimately out to my brokerage ). Accidentally, I transferred money to my credit card. This resulted in overpaying my credit card. My balance on my credit card was less than {$1000.00} at the time and there were no guardrails to stop my from making this transfer. I immediately noticed this issue and called to have my transfer reversed. I was told to call back the next day and was told it would take 2-5 business days for my checking account to be credited. I called 3 business days later and was told to continue to wait. I called 2 business days after that and was told that I still had to wait. I called the next business day and was finally told that my request had been approved, but my account had not been credited. At this point I asked for restitution for my money as it's been unavailable for the last 10 days. After being transferred between the banking and credit card departments multiple times, I was told that there was nothing that can be done. As of today, XX/XX/XXXX, I have yet to receive my money back. 

My issue is with the way my bank treats my money. It takes seconds for my money to be deducted and moved into their account, but it takes 10+ days for the money to be credited back. These types of controls and process are done to withhold consumer cash. This is blatantly unfair for the consumer. I do not have access to my money. I cant invest or earn interest. 

Please help.