davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-17
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. (CA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Essential Lending Inc (MO)

XXXX XXXX National debt holdings XXXX XXXX XXXX Re : Dispute of Inaccurate Credit Reporting - Account Number XXXX Dear Sir/Madam, I dispute the accuracy of the credit reporting and information on my account with XXXX and National debt holdings account number XXXX This account was charged off and written off in XX/XX/year>, yet XXXX and XXXX debt holdings continues to report an outstanding balance of {$0.00} and an inaccurate payment history, violating the FCRA. 

XXXX and National debt holding failure to correct these errors and remove the account from my credit report constitutes a violation of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ). I demand that XXXX take immediate action to correct these errors and remove the account from my credit report. I also demand compensation for the damages I have suffered as a result of XXXX 's negligence and failure to comply with the FCRA regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (TX)

This was my follow up complaint regarding the previous complaint I've submitted. As I just want to make sure the Credit Bureaus namely Experian, XXXX and XXXX, to please guarantee the removal of these listed specified inquiries from my credit reports. And as an assurance, I am asking the presence of the Consumer Financial Protection Bureau ( CFPB ) to oversee the removal done by the 3 mentioned credit bureaus. Here 's the list of the inquiries I want to remove : EXPERIAN : 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
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Hello, my name is XXXX XXXX I received a call from my employer stating XXXXXXXX XXXX  was sueing me for a loan I did not apply online or go in person for. I contacted them and told them I have never done that. Ive had several claims under my name that I have received loans that I did not. I am still battling with money being taken out from places I have never been in, and as a result my bank account have been closed without my consent. Now ace is threatening to garnish my paychecks. I am a single mother who doesnt make a lot of money and am on food stamps. I have never gone into that place to take out a loan yet I am now being punished with threats of sueing and taking my pay check. They said they had all my information. My number is XXXX my social is XXXX I do not know the loan amount. I have lawyer offices calling my employer
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (FL)

My name XXXX 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 2023-08-03
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: Experian Information Solutions Inc. (GA)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I have been cheated and scammed by hsbc bank my name is XXXX XXXX XXXX I am from, XXXX, it happened XX/XX/year> I went to XXXX to visit my XXXX  daughter meanwhile, meanwhile I wanted to get a bank account for myself but too lazy to go to the bank I decided to go online then a friend recommended the stupid of a bank to me XXXX, I had my check of XXXX from my savings with me, then I called XXXX online to get the account open, i gave the requested information, on XX/XX/XXXX I was congratulated and was given a premier checking account then I called back told them I had my check with me they said I should mail the check to their address in New York XXXX which I did, so I decided to wait as it was on hold, not until XX/XX/year>, I was happy at last, I made some transfer few minute later I was locked out of the account, surprisingly I called they ask so many information if I was the one that made the transaction I said yes, ask me so many personal question to verify me, meanwhile I had my voice verified whenever I call, to me this is enough verification, I was told the account is on review I should wait, once the review team fix it they will open my account to me, every 3 days I would call and different Indians picking the call saying something else, like I am stealing my money, I had given them everything they requested for still yet they say its on review, but nevertheless I do check my balance each time I call I listen to my balance all my transfer was cancelled and return back to the account, I thought they were working on it then I call again around XXXX I was told I have to go to the nearest branch if I want my account open, I told them I can't because the nearest branch is New York and I am in Arizona, even when I was in XXXX it XXXX XXXX away from me, I explained to the agent I spoke with then he asked for my ID/DL number and other information I gave him, then he said its on review as they would fix it since I can't visit the nearest branch, I opened my bank online without any physical intervention now depositing money to my account isn't the issue but removing money from my account is a fraud, on XX/XX/XXXX they debited all my money from my account, now I called today the lady said my account is empty and I have no balance, and she said their is nothing she could do, please help me get my money back, if they want to close my account they should and send me my money if not open back the account and let me have access to my money
Consumer complaint received 2023-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

We had an interest only loan in XXXX and the loan principal was due in XXXX. We got further behind on our bills. We were told to stop making payments in XXXX to get a possible modification on our loan after filling out numerous applications and being denied. We were forced to file bankruptcy because we got so deep in debt during this time. Our bankruptcy required us to make our mortgage payments to Wells Fargo during the repayment process. We made payments every month in the amount of {$1900.00} as part of our XXXX XXXX for 5 years. During that time we were told to keep trying to the modification process. We did exactly that. Once they actually foreclosed on our home which was illegal at that time. It got reversed. At the end of our bankruptcy we had gotten strung along with the modification process. We were forced to short sell our house. During this process, we found out Wells Fargo closed our home loan in XXXX when we filed bankruptcy. We were actually paying {$1900.00} a month to Wells Fargo and no one could ever tell us where the money went. After the true XXXX we went through during this time, we lost it all in the end. We will probably never be able to own a home again.
Consumer complaint received 2024-05-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Essential Lending Inc (MO)

Wise loan/ XXXX XXXX  holdings https : //wiseloan.com Re : Dispute of Inaccurate Credit Reporting - Account Number XXXX Dear Sir/Madam, I dispute the accuracy of the credit reporting and information on my account with Wiseloan and XXXX XXXX XXXX account number XXXX. This account was charged off and written off in XX/XX/2022, yet Wiseloan and XXXX XXXX XXXX continues to report an outstanding balance of {$0.00} and an inaccurate payment history, violating the FCRA. 

Wiseloan and XXXX XXXX XXXX failure to correct these errors and remove the account from my credit report constitutes a violation of 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( a ). I demand that Wiseloan take immediate action to correct these errors and remove the account from my credit report. I also demand compensation for the damages I have suffered as a result of Wiseloan 's negligence and failure to comply with the FCRA regulations. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-12
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. (CA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FinCo Services Inc DBA Current (CA)

I have been banking with Current Since XXXX. I started to notice that majority of the refunds that were processed from the vendors I used, never have been credited to my account. If I was to show you my statements for all of XXXX and onwards, you will see atleast XXXX transactions each month listed as " refund '' but the dollar amount is {$0.00} but when I questioned the vendors about my refunds they say the refund from their end is processed. Current has scammed over {$5000.00} in monies that belong to me and should have been credited to my account, but its been 2 years, and this fraudulent way of banking has not stopped.The issuing bank is XXXX XXXX XXXX and their address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX ND XXXX. Please help me recover my funds, I am a single mother who lives pay check to paycheck and {$5000.00}, if not more that is owed to me, would change my life,, I work hard for every XXXX and for a bank to not return the money, all the while the vendor has, is wrong for any bank to do.
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance : {$380.00}
Consumer complaint received 2024-04-12
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. (NJ)

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Your agency is in violation!

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 2023-07-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/23 I received an email from Bank of America asking me to view the terms of my new banking account. I never opened an acct with them and called to report the obvious scam. They assured me they would take care of it but I proceeded to receive emails about my new acct. Today I found out that BOA was opening fraudulent accts in peoples names and Id like to pursue action against them.
Consumer complaint received 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My check was direct deposited into my account then it disappeared for over 48 hours so then after it was credited again to my account they charged me fees for their mistake and they even admitted to doing some sort of update and I still was charged fees
Consumer complaint received 2023-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I reached out to citi dispute via credit card app regarding an experience/service called XXXX XXXX XXXX  for {$40.00} ; transaction date of {$40.00}, which the provider wasn't able to fulfil as the time selected the servcie provider shut down for break. Citi denied my claim but I never got any communication regarding this nor via email or mail. I saw in the app the investigation was complete where the claim was denied but the provider information provided actually did confirm the tickets were not used. Therefore, citi forgot to check the facts. the company also failed to communicate to the client and how they can make sure the disputed amount is refunded
Consumer complaint received 2024-04-12
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)

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.

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 XXXX 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 2018-08-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I am an XXXX year old victim of the credit card interest scam. On XX/XX/XXXX, two men came to my house claiming to be from Citizens Bank. Since they already had my address, knew I had multiple accounts with Citizens Bank, and had the last four digits of my accounts I thought they were actually from Citizens Bank. They said that they were going to put money back onto my card because Citizens Bank was charging me too much interest. On XX/XX/XXXX, I discovered that the men had not put money into my accounts but made a transaction of {$9100.00} on one card and another transaction of {$8900.00} on another card. That day I disputed the transactions with Citizens Bank. I also called the police on XX/XX/XXXX but no one was able to come out until XX/XX/XXXX and make a report of the incident. In XX/XX/XXXX, Citizens Bank sent me a letter stating that they determined that I authorized the transactions. I tried calling multiple times to see how they came to that determination. On XX/XX/XXXX, I called Citizens Bank Credit Card Claims Dept. with my lawyer. We spoke with a XXXX and he told us that because I was scammed it meant I authorized the transaction. We tried telling him that I did not give them permission to make the transaction and asked to speak to a supervisor. We left a message for the XXXX, XXXX XXXX. I called Citizens Bank again with my lawyer on XX/XX/XXXX, because we did not hear back from XXXX. We spoke with a XXXX. He said that the supervisor XXXX XXXX was not available so we asked to have her call my attorney. XXXX told us that because I gave the scammers my account information, I authorized the transactions. As of XX/XX/XXXX, XXXX has not returned my lawyers calls. No one has returned the calls I made either. I put in another dispute of the transactions on XX/XX/XXXX because I did not authorize these men to make these transactions. I thought I was authorizing them to put money back onto my card.
Consumer complaint received 2023-07-14
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. (MI)

There are inquires on my report i did not autorize 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 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 Equifax 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