davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Wells Fargo has been denying that they are in violation of the CFPB and refuses to refund the {$3000.00} to me. Clearly based on the facts provided, what the FDIC states and what the CFPB state, Wells Fargo is in violation of EFTA Regulation E. I am attached a letter from my Attorney as well. 
The EFTA is regulated and enforced by the Consumer Financial Protection Bureau ( CFPB ). This US government agency has made it clear that when scammers access accounts by fraud or robbery, the resulting transactions fall into the unauthorized category. The CFPA confirmed that the EFTA protects consumers who have been swindled and the Act requires investigation and reimbursement according to its terms. When a consumer is tricked or manipulated into allowing access to their account, all related transfers are considered unauthorized. 
I was a victim of fraud through a phone call scam. The scammer asked me to send money through XXXX. After the money was sent, I realized that this was a scam and I called Wells Fargo immediately to inform them. I also filed a police report with the XXXX county police department. I have a letter from the Attorney General stating that my situation was a fraudulent scam. 
EFTA and Regulation E states that an unauthorized EFT includes any transfer initiated by a person who obtained an access device through fraud, robbery, or force. My situation falls under fraud! The CFPB made clear that a consumer is entitled to receive the liability protections of Regulation E, even if that consumer acted negligently. 
Wells Fargo is in violation and {$3000.00} should be refunded back to my account.
Consumer complaint received 2018-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

On XX/XX/2018 I sent a certified debt validation letter to Portfolio Recovery because there is a debt on my credit reports that this company has said it belongs to me. They have not sent me any validation of this debt and it has been well past the 30 days to validate.
Consumer complaint received 2022-06-22
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tenaglia & Hunt, PA (DE)

I settled with the collection company after judgment was filed and wage garnishment had started. I was told the funds recouped through the wage garnishment would be reimbursed through check. 

I made the full settlement payment in XXXX. One check was garnished in XXXX ; I've been waiting on the refund and haven't received it. I've made attempts to reach someone at the agency, including leaving multiple voicemail messages, but have not been able to speak with anyone.
Consumer complaint received 2018-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Hello, I am writing you to inform you that here appears to be a bankruptcy on my Equifax credit report. This item only appears on Equifax and not on XXXX or XXXX. 

I demand that you remove this item immediately. There is no evidence of validation other than a third party looking at public records. I have been to the XXXX XXXX County Clerk and he informed me that they DO NOT verify any public records with a third party. In fact this item was removed and then reappeared on my report. 

I am ready, willing and able to proceed with a lawsuit as well as participating in a class action suit against your company. You have 15 Days to remove this item or we will see each other in court. I am not playing games here as this is hurting my ability to gain employment. Therefore, everything and anything that I can do I will do in court. 

Look at the attached report. It clearly states that the item verified is N/A. So your company lies that items were verified and in fact you do nothing. My lawyer is going to pull all of the stops and
Consumer complaint received 2022-06-22
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. (AR)

On XXXX, I sent XXXX, XXXX and Equifax a letter stating I wanted inaccurate information removed from my credit report. They sent me letters stating everything was accurate and nothing was changed. I explained to them that the information was reported differently amongst all three credit bureas and that there was no way their information could have been accurate. This inaccurate information has prevented me from buying a house and I would really like to get this matter resolved. I've given them XXXX months to fix their errors, yet they have failed me as a consumer by reporting erroneous information on my credit report.
Consumer complaint received 2018-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Trans Union, XXXX and XXXX still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) " through the physical validation of the original signed consumer contract '' to provide me lawful proof of verification for several accounts that have been reported on my credit report. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to validate in order to protect my rights as a consumer. Since it has been well passed 30 days allotted them as of XX/XX/2018 I am insisting that he CFPB forces Trans Union, XXXX, and XXXX to legally validate said debts or delete them  IMMEDIATELY! Certified letters were mailed out on XX/XX/2018 and delivery of said letters were confirmed XX/XX/2018. 

Accounts : -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX XXXX -XXXX/XXXX  -XXXX -XXXX -XXXX ( Been over 7 years ) -XXXX -XXXX -XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX ( Collection Account-Trans union only updated account as closed and never supplied lawful validation which was requested ) -XXXX XXXX XXXX ( Collection Account-Trans Union only updated account as closed and never supplied lawful validation which was requested )
Consumer complaint received 2022-06-22
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: EQUIFAX, INC. (LA)

I have multiple inquiries that I did NOT authorize, there are several car and finance companies I did NOT authorize. I authorize one company and these unauthorized companies started weighing in on my credit report UNAUTHORIZED!!!

I even contacted the Bureaus for removal, was in contact w someone through email and messaging she never responded back from XXXX its ridiculous. Tried through internet for Equifax and XXXX!
Consumer complaint received 2018-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

We did not sign up for a credit card with this company. We were offered a line of credit through XXXX XXXX XXXX. They said this was where customers got their line of credit through them. We told XXXX we could not afford more than {$300.00} per month, called multiple times to XXXX to find out the financial information since we were not sent home with any information nor did we get anything in the mail. We finally got a credit card bill in the mail for over {$800.00} so we called the billing department for XXXX XXXX XXXX and we asked what they were and they said they were a credit card. We asked about the percentage rate - it is 19.99 % and we asked when this amount was due and how often. It was due in less than a month from the date of the call and it was that amount each month. We asked them to send over a payment list to understand how much and often and they said that we would need to look up that information in the account once we created one with online access. Nowhere in the online information does it show anything about this credit card or the payment plan. They told us we were responsible for these payments and we signed up for them. We have sent a formal request for the paperwork opening this account as we did not open this account, but XXXX did on our behalf without our knowledge. We would have not ever signed up for a 19.99 % credit card for a timeshare if presented to us as such. We never received a credit card in the mail but only a disclosure sheet that says the credit cards interested rate will be anywhere from 10 % -17 % but you'll notice on this bill attached that it's 19.99 %.
Consumer complaint received 2018-11-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (GA)

Overdraft fee occurred while my account was in positive standing. Generally, when my account goes into negative, I can see it that day and bring it to a positive standing in the same day IF the deposits are made before XXXX. This time, my account was in the positive on XX/XX/XXXX, but an overdraft fee was applied to my account on XX/XX/XXXX.
Consumer complaint received 2022-06-22
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: Affirm Holdings, Inc (NC)

On XX/XX/XXXX there was a loan opened in my name from Affirm in the amount of {$3000.00}. Upon trying to purchase a car on XX/XX/XXXX I was notified that my credit score was very low. I went to XXXX to see why my credit score was low, that was when I noticed the Affirm account ( among others ) on my report. 
I attempted to reach out to Affirm multiple times to resolve the issue, however I could not gain access to further information about the account because I was unable to answer the security questions or verify my identity. 
Finally I was able to work with someone in Affirm that allowed me access ( despite the security questions ) and was able to submit a fraud dispute. The dispute results were that the loan remained with a balance due. 
From there I submitted a police report, Affidavit, and am working with an Attorney to resolve the issue. 
I request this be removed from my credit report immediately, as the information on file is incorrect and invalid.
Consumer complaint received 2018-11-08
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 so exhausted sending letters to Equifax about this issue.. I DO NOT AUTHORIZE you to mis-report any mis-information on my credit report..Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be DELETED. Since Equifax is unable to help me remove this, CFPB please step up and delete Bankruptcy : Discharged CH-XXXX XXXX-XXXX-XXXX
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

I received a XX/XX/XXXX letter from IC System, regarding a debt turned over to them by XXXX, noted as the original and current debtor. As both a current and former XXXX customer, I was unfamiliar with the account number listed on the letter. 

I then contacted XXXX customer service today, XX/XX/XXXX, and an online agent confirmed that a previously-closed account was showing a past due balance for equipment not returned ; however, further review of the account showed notation that the equipment was, in fact, previously received by XXXX in XXXX. There was no further statement by the representative why the amount due remained on the account, or why it was referred to collections only now. 

The representative indicated that the account would be noted, but was otherwise vague as to what would happen regarding my old account apart from reference to a " ticket. '' There was no indication how an account with no actual outstanding payments or obligations would go " live '' insofar as debt owed, and why that was not vetted before referral to a debt collector.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ALLY FINANCIAL INC. (DC)

Ally sent me an offer approving me for an XXXX XXXX XXXX XXXX for {$3000.00} or more. 

I have a fraud alert, and Ally called me to get info and asked for my full social security number on or around XX/XX/XXXXXXXX XXXX 

I declined to give my full social security number. 

I was given an alternate means to verify my identity via email. XXXX of my driver 's license and a copy of a current bill with my address on it. 

Ally already issued me a card, and my ID info is on file with them. My current card is paid on time monthly. 

I tried to email the website, which was malfunctioning on XX/XX/year> at XXXX. I called customer service, and a person with company ID XXXX responded to the item at around XXXX, and she didn't offer any meaningful help. 

I now have a letter that the card is declined even though I provided the property ifo two weeks ago.
Consumer complaint received 2023-02-12
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. (MI)

In accordance with the Fair Credit Repprting act. 
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2018-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I made payments to carecredit and it was misapplied to someone els account after an investigation the money was then applied to my account but they never took off late payments or the interest charges for those payments the company then proceeded to send this to collection and put it on my credit report when I asked for them to look into this issue I received a letter attached a statement for someone els XXXX XXXX account. 
I want this all fixed and they shouldn't send me other peoples account statements that's a violation of the law
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC. (AR)

Firm Name / Account # Amount Reason for Dispute Ally Financial {$3500.00} XXXX Merchant is unable to locate this. Account / Account has been closed I have called several times and spoken to ( 7 ) seven departments who were all unable to locate this account. I feel like this is a violation of the FCRA and I have reported this to the CFPB. 

Please see below for the call log and contacts for who I spoke to on XX/XX/2024. 

XX/XX/2024 Spoke with XXXX and XXXX @ XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/2024 - Spoke with XXXX ( Manager ) in the Bankruptcy Dept. 
( XXXX ) XXXX XX/XX/2024 XXXX XXXX Call was transferred 2 Time XX/XX/2024 XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-09-25
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. (FL)

My name is XXXX XXXX XXXX. There are FIVE hard inquires on my credit report that I did not authorize ; from CBNA. I have been in constant communication with this company for the last few months. I even faxed ( per their request ) a copy of my credit report ; listing the inquires from this company. All they do is transfer me to their Fraud department ; which always results in " Sorry ma'am we can't locate you in our system ; and don't see any applications or accounts matching your demographics. However, those FIVE hard inquires are plain as day on my report. I filed a complaint, and nothing is being done. I have not been seeking any credit ; as my personal documents and social security card was stolen over a year ago. I would like these inquires deleted. As, the company keep saying ; They have no record, application, or business dealing with me. Again, I am screen shooting the inquires. I just want them deleted. I didn't authorize them, don't have an account with them, never even heard of them. As, i have stated. These inquires are fraud. Of course the demographics match mine. The person was trying to open debts and accounts in my name. That is the purpose of me contacting you all to advised you of this. As, I have stated. I was homeless, no computer, no place to live. There is no way I was seeking credit during those time. The inquires are Fraud. And, I would like for you all to move them. Because, I was not applying for anything. Other companies have completed a thorough investigation, and remove those inquires. You are reporting 5 times ; on five different occasions. I would like this to be removed. Please ; How can you all leave negative unauthorized reporting on my credit file. That I did not authorize. PLEASE REMOVE THEM! 

Thank you,
Consumer complaint received 2018-09-22
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. (GA)

Disputed XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2018 To Whom It May Concern, The vehicle in question was purchased and ( Involuntary repossession ) in the state of XXXX. I dispute this claim, and it has been removed by XXXX and XXXX due to violation of my rights and F.C.R.A. law. I have contacted the creditor and the entity stated that the last Bureau should follow and remove this account as the other two have, because the account was settled ... this is a serious error, and I also contacted XXXX XXXX XXXX to be informed that they did not verify this account for you ... litigation will follow, if error is not corrected, and fabrications cease ...
Consumer complaint received 2018-09-25
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. (OH)

I have previously submitted a dispute due to Equifax not reporting a paid closed account and instead reporting it as open and unpaid. The account in question is through XXXX XXXX, account number XXXX. I paid off this account on XX/XX/2018 for the total amount {$190.00}. XXXX XXXX sent me mail showing the account satisfied and closed. On XX/XX/2018 Equifax reopened this paid closed account to unpaid with balance of {$160.00}. I called XXXX XXXX XX/XX/2018 to inform them and the lady I spoke with told me to directly dispute it with Equifax because them had indeed sent Equifax my file for this account being paid and closed. Equifax had severally damages my credit because of their negligence and I am ready to sue them over this.