davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

**Equifax Information Services LLC** XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account and Improper Reporting XXXX  XXXX XXXX XXXX account XXXX XXXX XXXX Dear Equifax, I am writing to formally dispute an inaccurate and fraudulent account that is being reported on my credit file. The account in question is a paid charge-off from XXXX XXXX XXXX XXXX XXXX I have also received a 1099-C form associated with this account, indicating that the debt was canceled and considered income. 

Under the Fair Credit Reporting Act ( FCRA ) and in accordance with federal consumer laws, specifically 15 U.S.C. 1681c ( a ) ( 4 ), I am requesting the immediate removal of this account from my credit report. A charge-off that has resulted in a 1099-C form being issued can not legally be reported as an outstanding debt, as it is considered income, not a current liability. Reporting this as a negative item on my credit report is a clear violation of the law and is damaging to my creditworthiness. 

Please take the necessary actions to investigate this matter and remove the account from my credit file immediately. Enclosed, you will find a copy of the 1099-C form and any additional documentation required to support this dispute. 

This situation is causing undue harm to my financial reputation, and I expect prompt resolution. Please confirm in writing that this account has been removed from my credit report. 

Subject : Formal Notice of Intent to Sue Unresolved Dispute Regarding Fraudulent Account This letter serves as a formal notice of my intent to pursue legal action against Equifax Information Services LLC for its failure to accurately maintain and correct my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant federal consumer protection laws. 

I have previously notified Equifax regarding a fraudulent and inaccurately reported account from XXXX XXXX XXXX XXXX, which is listed as a paid charge-off on my credit report. I also received a 1099-C form for this account, indicating that the debt was canceled and should be considered income, not a current debt. 

Despite my dispute and the clear violation of 15 U.S.C. 1681c ( a ) ( 4 ), Equifax has failed to take appropriate action to remove this erroneous account from my credit report. This has caused significant harm to my credit score, financial reputation, and overall well-being. 

I demand that Equifax immediately remove the fraudulent account from my credit report. Failure to do so within [ XXXX business days ] from the receipt of this letter will result in me filing a lawsuit in [ your jurisdiction 's court ] for violations of the FCRA and any other applicable laws. I will seek all available damages, including statutory, actual, and punitive damages, as well as attorney 's fees and costs. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

Today I called Equifax to cancel my myEquifax account. After keeping me on hold for a very long time, they said they would escalate my request, to complete it. After further questioning, they said it takes " awhile '' to cancel accounts -- so long that they could not complete it while I was on the phone ( despite the very long time on hold ). Moreover, they could not give me any idea how long it would take, and they could not provide any confirmation that my request was even being processed. 

I asked to speak to a supervisor and was put on another very long hold. While still on hold, Equifax disconnected me. 

I tried to get information via their Chat support but was told that that department can not provide any help with myEquifax accounts.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX, account # XXXX, XXXX account # XXXX ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$3700.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. XXXX XXXX
Consumer complaint received 2019-12-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo is scamming customers, as I posted on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX & XXXX XXXX : I write today on behalf of a citizen who is being cheated by Wells Fargo in the name of batching. 

Say I had {$100.00} I pay {$80.00} for an XXXX massage ( immediately deducted ) = {$20.00} I pay {$10.00} for a burger ( immediately deducted ) = {$10.00} I pay {$5.00} for a coke, and some candy ( immediately deducted ) = {$5.00} Now, an ATM will spit out more money than a person has if that option is elected. So, I take out {$200.00} from an ATM. 

= $ XXXX ( immediately deducted ) There is a {$35.00} penalty for going over one 's limit. 

= $ XXXX ( deducted next day ) That's not what the crooks at WF do. What they do is process the ATM charge first even though I already had the massage, ate a burger and bought the coke. Instead of $ XXXX here 's the number ( s ) they calculate. 

{$100.00} - {$200.00} ( over the limit, {$35.00} charge ) = - {$100.00} or {$130.00} next day Since they view my account as negative the other 3 charges will all trigger more charges. There is a '3 charges per day ' max. Instead of - {$230.00} which is what my account should be ... they will tell me that my account is - {$300.00} USD. 

The guy at the bank who helped me today was a trooper, and I have no problem with his approach. 

In the past, women have called me a liar to my face ... and let 's not forget sometimes they will lump in the previous day 's activity even though all the subtractions have been made. This means that I can be charged even more! Maybe people who steal money don't bother you, sir. 

I am calling for real time data conversion. A person should have a number, and when a legal authority removes money do it correctly, one time, right then and there. I understand that airlines often remove money, replace it, then remove it again later. I would ask that Wells Fargo returns money to the accounts of all members of whom they have stolen money. If I walked into Wells Fargo and stole {$70.00} I would be in jail right now, yet they are allowed to do it to me. 

There is one caveat which is that if a person goes negative, they have the right to take their money first. That argument falls flat because they have authorized and paid to others money that was there. If that's the case, they would be stealing from a vendor instead of me ... still, stealing ...
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MO)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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 XXXXXX/XX/year>
Consumer complaint received 2019-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CA)

On XXXX XX/XX/19 I made a XXXX purchase for some clothing using my XXXX Card. I made a purchase for {$79.00}, but only {$71.00} was shipped. The {$7.00} purchased was mailed months later and I paid it in XXXX. However ; the payment did not go through for {$7.00}, like XXXX did this to me last month and I even have the confirmation numbers. I had to make the payment again and today I also made the {$7.00} payment to XXXX because it did not clear my bank ; however, the total payments of my account had already been made for the amount of {$89.00} ; when, the total balance of my order was {$79.00}. I even had to return a pant that sold for {$2.00} plus tax. I am size XXXX XXXX, or XXXX size. But XXXX sent me the pant with a waist measuring XXXX inches! Which would be the size of a person weighing 400 lbs. When I returned it, the horror story began, with XXXX charging me {$9.00} when they had send me a prepaid label for this amount due to their error! I've had XXXX Credit card for a very long time, over 10 years and also have a history of making ALL my payments on time 100 % of the time. This is how CPA Tier II accountants are, righteous! XXXX says I owe now {$130.00} ALL PAST DUE CHARGES AND INTEREST, WHEN I OWE XXXX XXXX AND EVEN HAD REWARDS OF {$41.00}! Thank you.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

RECENTLY I LOOKED AT A COPY OF MY CREDIT REPORT AND NOTICED SEVERAL INACCURACIES ON MY ACCOUNT. THIS ACCOUNT IS HURTING MY ABILITY TO OBTAIN CREDIT. IT IS MY UNDERSTANDING THAT YOU WILL INVESTIGATE THESE ITEMS FOR ME TO ENSURE ACCURACY. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. HERE IS THE ITEM I AM ASKING YOU TO VERIFY AS ACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I was having difficulties paying off my loan due to being laid off in my previous role. I then contacted XXXX XXXX and set up my account for an extended payment, which reduced the monthly amount due. However, the auto-pay method that was implemented before was removed, and I was not completely aware of it. I then attempted to make an emergency payment, which was unfortunately reversed due to inadequate funds. I was informed that I needed to make a payment before XX/XX/2024, for my account to reflect paid/good standing. 

I was then informed that there was a cutoff of 4 months for inactivity that would report the account as 'Charged Off '. The indicated cutoff was XX/XX/XXXX, which contradicts the previous indication of the monthly payment received by XX/XX/XXXX. I paid the monthly balance, and the payment was cleared on XX/XX/XXXX. I have a record of the bank statements attempting payment each month that indicated there was inactivity and a partial payment before the Monthly payment cleared on XX/XX/XXXX, which also contradicts the 'inactivity ' over four months that pushed the account to be charged off. 

I am requesting that XXXX XXXX change/report to the credit bureaus that my account is in good standing since I am still making direct payments to XXXX XXXX XXXX The account was never sold to a collector. In my dispute attempts with the bureaus directly, it was not updated either. Please assist, as this is hindering my credit score and limiting my ability to obtain a new home/rental, and I have just had a XXXX. Please advise, and thank you for your time!
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX Equifax for Failing to Complete Dispute Investigation Within XXXX  Days I am writing to file a formal complaint against Equifax for failing to comply with the Fair Credit Reporting Act ( FCRA ) regarding the timely investigation of a credit report dispute. On XX/XX/year>, I submitted a dispute to Equifax concerning alleged debt. This dispute was submitted through Mail. Under the FCRA, Equifax is required to investigate and resolve disputes within XXXX  days of receipt. As of today, XX/XX/year>, more than XXXX  days have passed since I initiated the dispute, and I have not received any communication from Equifax regarding the status or resolution of my dispute. This delay constitutes a violation of the FCRA and has caused me significant distress and inconvenience, as the unresolved issue continues to negatively impact my creditworthiness. I have attempted to contact Equifax multiple times to inquire about the status of my dispute, but have received no satisfactory response. Given their failure to comply with the statutory requirements and their lack of communication, I am seeking your assistance in addressing this matter. I request that the Consumer Financial Protection Bureau take appropriate action to ensure Equifax fulfills its legal obligations and completes the investigation of my dispute promptly. Additionally, I request that measures be taken to prevent such delays in the future, ensuring that other consumers do not experience similar issues. Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Consumer complaint received 2024-08-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CO)

I initiated a substantial transfer of funds from my Coinbase XXXX $ ( Cash ) account to my established checking account via ACH transfer on XXXX. Coinbase stated the transfer went thru. As of XXXX there has been no transfer of my funds from Coinbase to my checking. I've contacted my bank and they have no record of a deposit from Coinbase to my checking. However, interestingly, Coinbase was successfully able to withdraw a small amount of money from this exact checking account on XXXX. 

My bank asked for the XXXX digit ACH trace number associated with this transaction. Coinbase is refusing to provide me with this information. They are refusing to discover where a significant amount of my funds have gone, they are refusing to provide me with a XXXX digit trace number, they are refusing to speak to me over the telephone. They are refusing to resolve this issue and from my perspective, they have essentially stolen my money.
Consumer complaint received 2019-12-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NV)

US Bank Corporation is charging me overdraft fees on debits that have not yet been posted and when I still had a positive balance in my account. When I questioned them as to why they were doing this, they seem to think its OK to look at debits not cleared or posted yet, ascertain I may become overdrawn and quickly hit me with an overdraft fee of {$36.00}. before the debit has ever been posted. There is something wrong with what they are doing. They has done this to me before, and seem to start hitting your account when you have XXXX or less in acts. In XXXX. I had {$330.00}. in my account. I had a debit of XXXX. My balance was {$280.00} but they listed it at XXXX. Then I spent {$68.00} and had a balance of XXXX. They said my balance was XXXX. I then had a debit of {$56.00}, which should leave me with {$150.00}, but instead the bank said I had a balance of $ XXXX. Unavailable funds of {$230.00} and started charging me overdraft fees of {$70.00}. How can they be allowed to do this? Hold money that has been in my account for weeks, and charge overdraft fees on purchases that have not even cleared yet?? Overdraft me because they are holding up.my money as unavailable? I understand you overdraft your account with a purchase, and you pay an overdraft fee. But I do NOT understand what US Bank is up to, holding your funds as unavailable even when they have been in your account for weeks, and then charging an overdraft fee because they are holding your funds? Something is wrong. They have No Right to charge an overdraft fee and overdraft me UNTIL the debit has cleared and I am overdrawn. I am withdrawing my finds and going to a new bank that is more transparent. Please look into these practices of holding funds and charging fees before anything has been posted.
Consumer complaint received 2019-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK (MD)

I went to Freedom debt relief company for a consolidation loan in XX/XX/XXXX. They told me I didn't qualify for a loan because my debt was at 80 % of my total available credit, and I would be great and using their debt relief service. They told me to stop paying me creditors and change my personal phone numbers listed with the credit card companies and give their number. About six months I paid {$400.00} per month while intrest and late fees piled up to my account. From XX/XX/XXXX to XX/XX/XXXX I had made payments for nothing until they claimed they made a settlement with XXXX XXXX and XXXX XXXX XXXX which accrued a lot of debt. They supposedly settlement at 50 % of my debt which went from XXXX to {$12000.00} but they locked me in at owing XXXX at a high rate of 22.9 % which they didn't tell me in the beginning. 1 year later I still owe over {$14000.00} and my original debt after settlement was {$12000.00} and they ruined my credit score. It was much higher before I started doing business with them.
Consumer complaint received 2024-08-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY (CA)

I hope this message finds you well. I am writing to bring to your attention an issue regarding my XXXX XXXX XXXX  credit card, which I opened on XX/XX/2023. As part of a promotion, I was informed that upon spending {$3000.00} within the first three months, I would receive XXXXXXXX XXXX Reward points. I am pleased to inform you that I have met the spending requirement within the stipulated time frame. However, I have yet to see the XXXX points reflected in my account. 

I have reached out to both Wells Fargo and XXXX  Rewards multiple times via phone at XXXX to resolve this matter. Unfortunately, each team has directed me to the other, with Wells Fargo advising that the XXXX  Rewards team is responsible for issuing the points, and the XXXX  Rewards team stating that they are unable to see any details related to the credit card on their end. This back-and-forth has occurred at least five times during an hour-long call, causing significant frustration and concern, yet not giving any useful information. 

Given the situation, I kindly request that both teams work collaboratively to resolve this matter and ensure that the missing XXXX points are credited to my account as soon as possible.