davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
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)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002. 142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX required per the Law, I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-08-18
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. (NC)

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I want these accounts to be removed as they were removed before and now are re-appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX payment for {$6100.00} was drafted from our WFB ( Wells Fargo Bank ) joint checking account ending in XXXX on XX/XX/year>. 
This payment was made 10 days prior to the XXXX due date of XX/XX/year> which would have brought our balance to zero as of XX/XX/year>. 

Payment was made through the Bill Pay feature to the WFB credit card ending in XXXX. 
It is lost and has never posted to our credit card, it remains debited from our joint checking as of XX/XX/year>. 

As a result, we have incurred a finance charge that would have been avoided had the payment been posted on time. And there show a balance due by XX/XX/year>. 
This balance reflects new purchases, merchant credits and a wrongly applied finance charge for the billing period.
Consumer complaint received 2024-06-10
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. (TX)

Please see the True bill attached for the ( XXXX ) violation of accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and delete from my credit report. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the attached dispute letter, which is dated, and time stamped, and invoice attached.
Consumer complaint received 2023-03-24
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have 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 2024-08-05
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: NAVY FEDERAL CREDIT UNION (GA)

I am writing to formally dispute an inaccurate charge-off and closed account on my credit report associated with Navy Federal Credit Union . The XXXX XXXX Credit Card account has been disputed several times with no effective results. I believe that this charge-off and account closure are incorrect and request a thorough investigation into the matter for the following reasons : The information being reported on my credit report does not accurately reflect the status of my account with Navy Federal Credit Union . I have reviewed my records and found discrepancies that suggest errors in the reporting process. 

I did not receive any prior notification or adequate explanation from Navy Federal Credit Union regarding the charge-off and account closure. According to my understanding, financial institutions are required to provide proper notification and an opportunity to rectify the situation before taking such drastic measures. This erroneous charge-off has negatively impacted my credit score and financial standing, causing undue stress and financial difficulty.

My payment history with Navy Federal Credit Union has been consistently reliable and timely. The reported charge-off and closure do not align with my long-standing history of responsible account management. 

Enclosed are copies of my credit report, and I kindly ask for your assistance in ensuring that my credit report is corrected and reflects accurate information.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I've been a victim of identity theft. My information was exposed to the public in the XXXX and Equifax data breaches and I noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Consumer complaint received 2024-07-11
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. (NY)

I myself XXXX XXXX XXXX will like to request a RE-INVESTIGATION on Account that is negatively impacting my profile. There is still inaccurate claims on my report. 
Pursuit 15 usc 1681 accuracy and fairness of a credit report according to the law before any information is inserted it should be accurate. I am aware of the law. XXXX has adhered and deleted the negative account however, XXXX and Equifax is still reporting this collection. I have contacted for a very long time, mail and phone calls. And no positive resultsa. I am placed on hold for hours and treated very unfair. 

PLEASE HELP I AM FUSTRATED AND DOING MY BEST
Consumer complaint received 2024-07-10
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (IN)

Marcus by Goldman Sachs I received XXXX separate letters in the mail yesterday XX/XX/XXXX from this company. They are all different accounts in my name that I had no knowledge of. I don't even know this company. Scared and confused I called their customer service number wanting answers. 

The first rep I spoke with told me i couldn't close the accounts and couldn't give me any information. I asked why be the accounts are not in my name. I said how is that possible when I have 10 different statements addressed to me. She said she didn't know but still could give me any info. Ok so we ended the call. 

I called back about XXXX laters spoke with another rep. He put me on hold and hung up on me. I called back and no answer ( must be closing time ) I called today XX/XX/XXXX First rep I spoke with hung up on me also. 
I called back spoke to a lady that works the front desk and i asked If I could close out 1 account. ( Just to see if i could ). She asked me for some info then my email address and a password. My email address was not on the account and the person went the extra length and set up a password that I didn't not know.

So I told her I have ten different accounts in my name that I have no knowledge of. So she transferred me to a specialist that handles stuff like this. 

I spoke with her and the only info I was was able to get out of her was when these accounts were open.. They were opened XX/XX/XXXX So I asked here wouldn't there be a red flag in the system for so many accounts open in 1 day for 1 person she said no. There wouldn't be because its not a redflag for opening an account. She said that there was a fraud complaint that was put in because I called yesterday to inform them what was happening and that I will receive a decision in 7-10 business days.

I want to know why I'm just now receiving these notices if the accounts were opened in XXXX!
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-08-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

Someone needs to stop this harassment, abuse and illegal activities. I filed a complaint with you and you closed the case without resolution. They need to void ALL charges as as purchased {$60.00} worth of merchandise and have l paid the over {$90.00} that is merchandise plus one late fee which was their fault not mine. Attached is my previous complaint. I just received another statement for {$240.00}. This amount is all for late fee. They have charge late fee over late fee. This is illegal.
Consumer complaint received 2023-12-04
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. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-06
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. (KY)

Equifax continuously reports the following account as Charged Off as of XXXX. XXXX, XXXX, XX/XX/XXXX, and every month prior for the past few years. This negligence on Equifax 's part, and allowing any agency to break the law according to the FCRA is illegal as well. Since then the account has repeatedly been updated as Charged Off ( CO, CO, CO, CO... ) every month. This account is updated in the payment history, and to my understanding charged off accounts should Not be include as an Active payment history. This falsely manipulates the statute of limitations, and is not in accordance with the laws of Fair Debt Collection Practices Act ( FDCPA ). I am demanding the deletion of the following account off my credit report : XXXX XXXX last Report Date : XXXX. XXXX, XXXX ( Re-aging accounts is illegal ), Acct. # XXXX XXXX, Account Balance- {$2300.00}. A Charge Off account should not have a Balance, nor should they have an active payment history. This is false manipulation of the statute of limitations on these accounts. Resetting the statute of limitation on a debt every month is illegal according to 15 U.S.C. 1681c ( a ) ( 5 ). Delete this account now and mail me a corrected copy of my credit report.
Consumer complaint received 2024-08-06
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. (KY)

Equifax continuously reports the following account as Charged Off as of XXXX. XXXX, XXXX, XX/XX/XXXX, and every month prior for the past few years. This negligence on Equifax 's part, and allowing any agency to break the law according to the FCRA is illegal as well. Since then the account has repeatedly been updated as Charged Off XXXX XXXX XXXX XXXX XXXX XXXX every month. This account is updated in the payment history, and to my understanding charged off accounts should Not be include as an Active payment history. This falsely manipulates the statute of limitations, and is not in accordance with the laws of Fair Debt Collection Practices Act ( FDCPA ). I am demanding the deletion of the following account off my credit report : XXXX XXXX  last Report Date : XXXX. XXXX, XXXX ( Re-aging accounts is illegal ), Acct. # XXXX XXXXXXXX, Account Balance- {$2300.00}. A Charge Off account should not have a XXXX, nor should they have an active payment history. This is false manipulation of the statute of limitations on these accounts. Resetting the statute of limitation on a debt every month is illegal according to 15 U.S.C. 1681c ( a ) ( 5 ). Delete this account now and mail me a corrected copy of my credit report.
Consumer complaint received 2024-07-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: HSBC NORTH AMERICA HOLDINGS INC. (OH)

These cards are over 20 years old I am getting calls and collection letters when HSBC gets contacted they don't have records how not they transferred these cards to XXXX  XXXX but the calls I am getting is for HSBC kind of confused. I have the account number for my XXXX XXXX card but for the HSBC card ending in XXXX I do not have the full account number. This needs to be taken care of they are not no longer onmy credit report Accounts XXXX for the XXXX XXXX card.
Consumer complaint received 2022-11-23
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-25
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I was scammed, the scammers were impersonating another company called XXXX. I was under the impression I was being hired to work for the company and would be processing reviews for restaurants. When I had to input my own funds on to the workbench, I applied for a loan and was approved by the bank. However, there wasn't much information or due diligence that was done by the bank to ask what the loan was for, to perhaps warn or give information on fraud or scammers of doing this type of scamming. When I spoke to a few other banks, I was told that this has been happening often and the banks have been warned of what the scammers are doing to try to obtain people 's funds. 
I was approved for the loan by the bank and the funds were deposited into my account. Shortly after receiving the funds, the funds were immediately taken out of my account and wired to a fraudulent account, which I was told was going to go to my workbench to do the reviews for the restaurant and then was told I would receive my funds back immediately. This did not happen, and my funds were gone and money was never recovered. Since this has happened, I no longer have the funds to pay the loan right back as planned too, after I was told by the company, how the process works. I have attached screen shots of the money being deposited in the account and quickly leaving and depleting my account. I am a schoolteacher, so I don't work during the summer and I don't make much money as it is, especially with the rising costs of inflation. I am not able to make this loan payment ( XXXX ) because I was not intending to not receive my money back that was placed on the workbench from what the company that hired me stated they would be doing. My credit is be effected in a negative way because of this and I am unable to make these payments. You can also see some conversations between myself and the company that impersonated themselves as the XXXX company.
Consumer complaint received 2024-07-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I got a text saying there was a suspicious activity on my account from " XXXX  XXXX XXXX ''. I then received a call from XXXX XXXX XXXX ( an actual veruified XXXX  XXXX XXXX XXXX ) asking me to verify the activity. The man on the phone said he had to shut down my card and pin and send me a new one. Then he had me give him 3 codes over the phone, and one I had to log into my account and put it in to confirm it was me. Then he gave me his phone number ( XXXX ) and a fake name. After that a transfer of {$5200.00} went through, I called him back on his actual number ( I think ) and he answered saying " XXXX  XXXX XXXX, how can I help you? '' I told him what happened and he said he would stop the transfer and gave me a fake claim code. I then called XXXX XXXX XXXX 's number back a few minutes later to confirm my claim because this all felt suspicious. They had no record of any of this. They told me it was a scam and that because it was over XXXX minutes, they could do nothing except file a claim with Chase bank, who received my money. I filed a claim and the transaction still went through! I called Chase and they said they could not help me. I filed with the FTC and police and no one is helping me! XXXX  XXXX XXXX says I have to wait 90 days and fill out some form, which they have not gotten to me yet. Now I have no money in my account. On top of this they charged me a {$30.00} transfer fee!
Consumer complaint received 2024-07-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I am writing to formally lodge a complaint against Santander Bank regarding their failure to fulfill a promised cash bonus related to their new account promotion. Below are the details pertinent to my complaint : Promotion Details : Promotion Code : XXXX Promotional Offer : {$400.00} cash bonus for opening a new Santander Select Checking account. 
Account Opening : Account opened on : XX/XX/XXXX I ensured to use the provided promotion code during the account opening process. 
Requirements Fulfilled : I made direct deposits totaling {$5000.00} or more within the first 90 days ( by XX/XX/XXXX ). 
I have kept my account open and in good standing for at least 90 days as stipulated. 
Despite meeting all the aforementioned conditions, I have not received the promised {$400.00} cash bonus, which, according to the promotion terms, should have been paid within 30 days after fulfilling the requirements. This is a clear breach of the promotional agreement provided by Santander Bank. 

Attached, you will find : A copy of the promotional offer details. 
Proof of account opening and usage. 
Documentation of the direct deposits made to the account. 
I kindly request that the CFPB intervene in this matter to ensure Santander Bank honors their promotional offer. This situation has caused me significant inconvenience and frustration, and I believe it is essential that Santander Bank is held accountable for their commitments. 

Here are the deposits from XXXX XXXX : Date Description Amount Balance XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$21000.00} {$21000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$2400.00} Thank you for your attention to this matter. I look forward to a prompt resolution.
Consumer complaint received 2024-05-21
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. (MI)

I have a nonprofit organization that specializes in assisting individuals who have been impacted by human trafficking I myself the owner have taken multiple courses and certifications to be classified to determine whether someone has been XXXX XXXX XXXX XXXX XXXX, and I have tried multiple times with both XXXX and Equifax with assisting my client and there giving me pushback stating that the documents that we are submitting are not valid, which is incorrect.