davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-19
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. (FL)

I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/, 30 days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( a ) XXXXN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE (PA)

On Thursday XX/XX/XXXX I was alerted by Huntington Bank that they were closing my accounts due to disputes made on the account. I decided to go to the branch on Friday XX/XX/XXXX as I was due to be paid a check of XXXX and I wanted to ensure that they would force the deposit back since the accounts were closed and to see if I would be able to withdraw the money I had in the accounts I had with them which was about XXXXXXXX XXXX in total. The teller tried to assist me by calling several depts and I was told that I was not able to withdraw the money I had in my accounts but that I would have to wait and they would mail me my money in 7-10 days. I was told that my deposit should be sent back to my employers bank immediately. I had already secured a new bank account. On monday XX/XX/XXXX I called my employer to see if they recieved the funds back so I could be issued a new check, I was told at that time that my check was sitting in a pending status as it doesnt recognize that my accounts are closed. So now here we are XX/XX/XXXX and my employer still has not received the funds. Huntington continues to tell me the same thing, but I have not gotten the funds I had in my account and Huntington has not pushed back the check so I can have that. I need to understand how this is legal? I am a single mother and I have not been able to feed my kids or pay any bills because Huntington bank has my money sitting in limbo and wont give me any resolution.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (TX)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.
Consumer complaint received 2024-01-19
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: ALLY FINANCIAL INC. (IN)

When checking my credit report after a few months of not monitoring it I recognized a large amount of unauthorized credit inquires that appeared on my report that I know I did not do nor authorize. I see inquires from companies like Ally Finacial, XXXX XXXX XXXX  finance, and many more.
Consumer complaint received 2023-06-14
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: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-20
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. (CA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2024, I was informed by Chase that my bank account had been permanently closed. At the time of closure, my account had a balance of {$6600.00}. The primary activities in this account for the past month included receiving rent payments from my roommate and my internship salary. There have been no other significant activities in the account that could warrant such drastic action.

Since being notified of the closure, I have made numerous attempts to resolve this issue by contacting Chase customer service. Unfortunately, each call has resulted in a different explanation, with representatives instructing me to wait for further communication or resolution. Despite my persistence, there has been no satisfactory resolution, and my funds remain inaccessible.

As a XXXX XXXX XXXX XXXX XXXX in XXXX, this situation has placed me in a severe financial bind. I rely on these funds to cover my living expenses and rent. Without access to this money, I am facing significant hardship and uncertainty about my immediate future.
Consumer complaint received 2023-11-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OR)

Hello, I tried making a lump sum payment of {$1000.00} on XX/XX/2023 to pay down my student loan balance. Instead of doing that, it paid off 7 months in advance. So they took the money and applied it to interest instead of principal. I tried calling Mohela on XX/XX/2023 to figure out how to make a principle only payment and they are telling me it is not possible. This can not be true, they simply just do not want me to pay my loan off early.
Consumer complaint received 2024-05-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC Subject : Request for Debt Validation and Verification Dear LVNV FUNDING LLC, I am writing to request validation and verification of the debt you claim I owe, as detailed in the correspondence I received from your agency. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proof that I am legally obligated to pay this debt.

Please provide the following information : The amount of the debt, including an itemized accounting of fees, interest, and other charges.

The name and address of the original creditor.

A copy of the original signed agreement or contract that created this debt.

Evidence that you are legally authorized to collect this debt on behalf of the original creditor.

Copies of any judgments or legal documents related to this debt, if applicable.

Proof that the statute of limitations on this debt has not expired.

Confirmation of the current holder of the note, and if applicable, a copy of the note bearing my signature and documentation showing the transfer of the note to the current holder.

Proof of consent for the transfer of my non-public personal information from the original creditor to your agency or any other third party involved in the collection of this debt.

I also request that all collection activities cease until this debt is validated and verified as required by law. Please respond to this request within the 30-day period specified by the FDCPA. 

Sending this request is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. I reserve the right to dispute the debt further if the information provided is inadequate or incorrect.
Consumer complaint received 2024-02-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2024 I received an email from XXXX, citing fraud detection on my debit card. XXXX days later, on XX/XX/XXXX, I received XXXX calls from call identified on my phone as WELLS FARGO. I called the WF customer service number back at their posted customer service number, XXXX ( phone record screenshot attached ). I spoke with a 'banker, ' XXXX XXXX XXXX on a long conversation which went over my debit card expenditures ( some valid, some not ). It was a XXXX hour phone call. I was told that my accounts had been compromised, that I should transfer funds from my XXXX private accounts to my business account, XXXX, XXXX. There were lots of back and forths with those transfers from wellsfargo.com. Ending result was a wire transfer in the amount of {$18000.00} to the banker, XXXX XXXX. I was told my funds needed to be put in a holding account to keep my money safe while the fraud was investigated, passwords were changed, etc. and to wait XXXX hours for the transfers to all go through. 

I went to the Wells Fargo branch on XXXX XXXX on the morning of the XXXX to order a new debit card, and to discuss the transactions. There was only XXXX teller and XXXX wealth management person in the bank, and they sent me to the XXXX branch, about XXXX miles from my home, where I sat with a banker who filed a fraud investigation, also on the XXXX. I went back to the bank twice more, seeking information about the investigation. After long phone waits, I was told the investigation was still active. On XX/XX/2024 I received a letter from Wells Fargo ( attached ) that the fraud inquiry was closed, and that the bank would not be able to reimburse me. 

I'm a commercial fisherman, and these funds, all I had, were to be used to prepare supplies, travel, etc for the upcoming season. The news was devastating. I find it especially hard that I called a published Wells Fargo number, and that scammers seemingly can override published numbers and mask caller IDs. It makes XXXX wary of conducting any banking over the phone or online. Stuffing all my cash under my mattress would have been a safer solution. I would expect Wells Fargo to protect its phone numbers and email addresses so customers could have trust that the numbers/addresses actually belonged to the bank. 

I have also reported this fraud to the FTC.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I used online bill pay to pay my HOA fee in XXXX and XXXX, BOA appeared that they should mailed the paper check to the bank which HOA named. I did XXXX XXXX through BOA online bank on XX/XX/XXXX and XX/XX/XXXX, BOA appeared the paper check delivered on XX/XX/XXXX and XX/XX/XXXX. But HOA charged me the late fee in XXXX, because they received my HOA fee on XX/XX/XXXX! the due day is XXXX per month. This month, XXXX, I just confirmed that HOA received on XXXX! This month they sent me which check they received, I found they received the paper check is not from BOA that I used the bank! Inkstand of bank is XXXX XXXX! and date on the check is not the date I did bill pay, instant of the date which the check delivery date! I do not know what happened with BOA, but I am sure there has some serious problem at my BOA account! I attached the file about this case for your reference!
Consumer complaint received 2018-09-04
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: SYNCHRONY FINANCIAL (NJ)

On XX/XX/2018 I checked my XXXX XXXX score and was SHOCKED to see that in about 10 days, my score had dropped by almost 30 points. They also noted a hard inquiry from Synchrony Bank ( Credit Cards/Airlines ) that was applied for or posted on XX/XX/18. 
I never applied for a credit card or had an inquiry run and this is fraudulent. 
I called Equifax on XX/XX/18 to be told that they saw no such inquiry on my report. 
I can not even get through to XXXX. 
I called Synchrony Bank and was advised that they have no record of anything and I was given the runaround to call the credit bureaus. When I call the credit bureaus I am told to call Synchrony. 

Can you please help me? I asked for no inquiries and have not applied for anything. 

I look forward to hearing from you.
Consumer complaint received 2024-04-30
Product: Credit card — General-purpose credit card or charge card
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. (FL)

I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Consumer complaint received 2024-08-18
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 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. 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 2024-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion conglomerate for violations of the Fair Credit Reporting Act. The TransUnion company failed to take steps to ensure the rental background checks that landlords use to decide who gets housing were accurate. The company also withheld, from renters, the names of third parties that were providing the inaccurate information. 

I put at risk of wrongful housing denials because TransUnion failed to follow the law. 

These reports increasingly use black box algorithms, relying too often on inaccurate or misleading information, to produce a renters risk score or to make a recommendation to landlords. This score or recommendation can conceal false information from scrutiny by either landlords or renters and make it difficult to impossible to correct inaccurate information. As a result, people are denied housing, charged more for housing, spend longer finding housing, and incur more housing search costs.

In todays joint complaint, the CFPB and the FTC allege that the company : Failed to take steps to produce accurate reports : The company violated the Fair Credit Reporting Act by failing in numerous instances to take steps to assure the maximum possible accuracy of eviction records in its rental background check reports. For example, the company failed to assure that its reports reflected the current status of public records. This included failing to share information showing that an eviction was dismissed and not preventing the inclusion of sealed records or multiple entries about the same eviction case. As eviction data is often weighed heavily in assessing rental risk, inclusion of inaccurate and duplicative eviction information is particularly harmful to renters and their families. 
Failed to identify who provided inaccurate information : When the company obtained criminal and eviction records from third-party vendors, it failed to identify the third-party vendors in its disclosures to consumers. Instead, the company told people that criminal and eviction records were taken only from the jurisdictions where the proceedings took place. People trying to find a place to live did not know it was a third-party vendor that they needed to contact to correct inaccurate information. 



I have been a victim of the info above, and would like to take action, or needing to know what are the next steps of this issue?
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (MD)

In XXXX of 2023 I opened a Best Buy credit card account to purchase a new phone and shortly after that I got a new phone number. I paid my account off pretty quickly after that, but when I received the credit card my name was spelled incorrectly and my phone number had changed. Come to find out Citibank put my shipping address as my mailing address. Calling citibank to fix this problem did not resolve the problem since they have my information wrong, everything except for my email was correct, They said they couldn't verify but would send something in a few days. But of course, they're sending it to the shipping address so the post office will send everything back to them. All the information was correct from Best Buy so therefore, it was Citibank that entered my information in incorrectly. Best buy said they had everything correct in their system. How such an egregious error could happen in a credit card company that says they're all about integrity is beyond me. I called several times and each time got the same answer. So I told Citibank I just would rather close the account. They said they couldn't do that either. Now I feel like what in the world am I going to do if I can't get them to fix the problem they created and I can't even close it. At this point I just want them to close the account. I would never use a Citibank card again. They have terrible customer service and make serious mistakes with no accountability!
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (LA)

on XXXX  I pulled m y credit report from the three credit bureaus and discovered that Mr. Cooper reported my mortgage as 30+XXXX late however I am participant of the XXXX XXXX XXXX XXXX XXXX  which advise mortgage providers to not report participants as late considering that payments are submitted in bulk and take processing time. To my dismay I discovered that MR. Cooper continuously submitted inaccurate information to the credit bureaus even after have a notation on my account to not do so. Mr cooper submitted over 10 months of late payments to the bureaus. I was approved in XX/XX/XXXX to be a participant in the home owners assistance program. I want the correct information sent to the bureaus so that my credit report reflect accurate reporting regarding my mortgage payments.