davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MA)

HI LVNV FUNDING/ Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2021-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

When I Register with MyEquifax online on Tuesday XXXX XXXX at XXXX. I noticed that FRAUDULENT ACCOUNTS that I have reported to the police months ago & I sent Equifax the police report which Equifax has added on file. Were previously Equifax DELETE OFF MY Credit Report due to Equifax investigating the accounts and finding them to be Fraudulent. The Accounts are Now Showing As CLOSED/CHARGER OFF.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (NC)

I got a Credit Alert Reported On XX/XX/XXXX about Derogatory Account Reported By Bullcity Financial Sol with an Account Balance of {$1000.00}. I do not know or have every done business with this company. Therefore, I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose. 3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold. 5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this account
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (PA)

XX/XX/XXXX an Account was opened w XXXX bank to purchase a massage chair at a local fair. After getting home and realizing the chair would not fit in my house the company was called and the order for the chair was cancelled and XXXX account was closed. This month I received a bill from XXXX for XXXX. I called them and spoke with their fraud dept. the guy I spoke with said he could see account was closed in XX/XX/ 2022 yet their was a purchase on the closed account in XX/XX/ 2022. This is not my purchase and this account should have been closed in XXXX.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma (CA)

I recently closed an account with an external bank that is still linked to my Credit Karma " spend '' account. When using both their mobile app and when using their website on a desktop computer, it shows this old bank as the only linked account when I initiate an external transfer. I tried to link another account to my Credit Karma account and received confirmation that it has been added but it still doesn't appear as my linked bank. I've contacted their customer service about this issue via their chat feature and have been given the runaround. One time they told me to refresh the app which kicked me out of our chat because it was operating within their app. Another time I was told that the bank that I recently decided to link was already linked but that I have maximized the number of times ( 4 times which isn't indicated anywhere on their website ) I can link a bank to my account so there is nothing they could do.
Consumer complaint received 2023-09-29
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. (NJ)

I send a XXXX out 30 days ago to XXXX, XXXX, Equifax. .How ever its been 30 days and the credit bureaus failed to send my investigation back. This is not making is not making any sense. 


According to the law 15U.s code S 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly though a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine wether the disputed information is inaccurate and the Current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end 30 day period beginning on the date on which the agency receives the notice of dispute from the consumer or reseller.
Consumer complaint received 2016-09-23
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I filed a complaint with the CFPB about 2 years ago against JP Morgan Chase over a fraud case. My debt card was stolen and someone bought XXXX XXXX XXXX dollar gift cards from XXXX XXXX. Chase said I was responsible for the {$1700.00} because I committed the fraud because it was my signature, but they would not send me a picture of my signature, and I had a train ticket from a different city at the exact time of the XXXX XXXX {$1700.00} purchase. The CFPB believed my version of the story ... .due to the proof I supplied. IE. the train ticket .... and told Chase that they have to cover the {$1700.00} loss. Two years later Chase has engaged in retaliatory tactics against me. They told me that they did not want to do business with me and canceled my checking account. They then mailed the money in it about {$300.00} to my stepdad. They say that I owe them {$260.00} in late fees for a safety deposit box I have never heard of or paid for, and they say it has been on my profile for 6 years ... .so I owe back fees for those years as well. - now all of a sudden although I have never had any fees for it before. They send certified checks saying they are going to sue me over this saftey deposit box I have never seen or wanted. Again I do not know what they are talking about never wanted a safety deposit box and have never used a safety deposit box. I believe whoever decided to close my account added these fees and services to cause me issues, or as a punishment for the CFPB 's last decision that Chase needed to cover the {$1700.00} and not myself.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Inquiries I don't recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC. (MN)

Selling a small portion ( XXXX acres ) of woods behind the neighbor 's lot to said neighbor. 

All partial releases, surveys, appraisals, documents have been met over the last two years ( SPS - Select Portfolio Services - servicer for mortgage loan ) - keeps delaying responses from loan holder - which they forgot to register in MN for over a year .... 
SPS and investor are stating the I must pay investor in order to get sales approval. A new condition after two years. Remaining property value is 7x asset to remaining mortgage liability. Their request for 35 % payment upon woodland sale on remaining mortgage ( which the CFPB successfully helped me in 2012 with XXXX XXXX ) - although new loan holder is a last-minute condition. My financial advisors ( friends for over 30 years - state they've never heard of the last-minute condition, especially for the high remaining value of the remaining property. I am a XXXX female, XXXX, receiving SS XXXX income only. The property has been in the family for over 80 years and only a small back wooded area ( unbuildable ) is being sold to the neighbors. 
SPS ombudsmen 's # has been no help : # XXXX. MN mortgage law firm was brought in to help, since SPS is their client and they state they have no control over SPS timing - MN mortgage # XXXX XXXX XXXX XXXX contacts XXXX
Consumer complaint received 2023-05-17
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. (TX)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts Listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-02-14
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

No XX/XX/2022, I filed a complaint with CFPB complaint number XXXX Transunion and complaint number XXXX XXXX However It's been more than 30 days and more than 5 business days since TransUnion and XXXX has completed their investigation and they have failed to send me a free of charge credit report by U.S. Mail showing the results of their investigation. According to the law 15 U.S. Code 1681i ( A ) In General Before the expiration of the 5-Business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ) the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2017-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (FL)

I am making this complaint on behalf of my mother. She is  XXXX   years old  and suffers from  XXXX . For the last year or so she has been   XXXX   XXXX   XXXX   XXXX    by one of her home health aides. Her credit cards have been stolen, and there are over {$13000.00} dollars of charges on just  XXXX  of her credit card accounts that were made without authorization. I have a full DPOA and was successful in canceling the cards, however, I have tried working with the bank since  XXXX  of last year, but they refuse to discuss with me or act upon the account despite my having sent them a copy of the DPOA. Further they are harassing with dunning calls and letters to my mother which are very upsetting to her.
Consumer complaint received 2023-05-17
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. (TX)

I would like to file a claim against XXXX, Equifax, and XXXX to remove in correct information from my credit report. I file a dispute through XXXX to remove information from my credit report that's not correct XXXX XXXX XXXX responded stating that all information was removed and requested XXXX, Equifax, and XXXX to remove the same information as well. However, all of the incorrect information still remains. 

Therefore, they are in violation of the following 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2017-05-13
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: Open Dealer Exchange, LLC (SC)

I never contacted   XXXX   XXXX   XXXX   of  XXXX , SC. Therefore, I could not have been the one signing a credit application with the reference application number :  XXXX . Therefore, all the information sent to the consumer reporting agencies is incorrect.
Consumer complaint received 2023-05-17
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. (GA)

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. 

Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 2024-03-28
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: EQUIFAX, INC. (CA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CO)

REFERENCE : CFPB # XXXX I initiated this dispute on XX/XX/XXXX regarding the continuous delays in updating my credit file based on information sent from the consumer and the company. Equifax responded to the referenced CFPB complaint accordingly on XX/XX/XXXX : COMPANY 'S INTERIM RESPONSE *Equifax reviewed the complaint, its records and initiated a reinvestigation. *Equifax reviewed the consumer 's credit file for previous dispute history/contact regarding the item ( s ) listed in the complaint but no recent dispute history/contact was identified. *Equifax will mail the results of the reinvestigation within 30 days. 

THIS INFORMATION IS INCORRECT. Equifax has executed up to 3 disputes/reinvestigations regarding XXXX XXXX XXXX ( Account # : XXXX # XXXX ) in the last 30 days and they STILL HAVE NOT CORRECTED THIS INFORMATION. To report that there are no recent dispute history is a flat out falsehood and is bordering on fraudulent business practices to report otherwise. I confirmed today that the reinvestigation 'is still open ' according to latest rep that I 've spoken to this month. 

CFPB needs to take more steps to confirm what I already know and have reported versus simply logging their response. Require that they send a copy of my most recent credit file which will indicate that they have still not updated this account. The issue is the lack of timeliness yet you feel that 60 days for resolution is acceptable. The law indicates that CRA 's have no more than 15 days to resolve a dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. I INITIATED THIS REQUEST FOR A CRA UPDATE ON XX/XX/XXXX.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XXXX XXXX, 2024, at XXXX PM, CDST, I made a deposit into my checking account, Account XXXX at Wells Fargo in the amount of {$220000.00}. Funds were from a title company escrow fund for the sale of real estate. Wells Fargo issued a Transaction Receipt from XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, stated that the total funds would be available on XXXX XXXX, 2024.

On late afternoon of XXXX XXXX, I acquired XXXX CDs from XXXX XXXX  totalling {$100000.00} payment for which was to be withdrawn directly from the checking account. 

Also, I purchased from XXXX a mutual index fund shares totaling {$66000.00} on the same day. Payment for these fund shares were to be drawn from the Well Fargo checking account. 

In a letter from Wells Fargo dated XX/XX/XXXX, but received several days later, I was informed that the funds, {$220000.00} would not be available until XXXX XXXX, 2024. This was the only notice. No email, no phone call, no text message on XX/XX/XXXX or thereater. 

I have received a bank transfer rejection notice from XXXX dated XX/XX/XXXX and demanding payment. I am now expecting similar notices from XXXX XXXX, and another from XXXX for additional sum of {$59000.00}. 

The actions of Wells Fargo amounts to fraud and kiting. 

I expect a disgorgement from Wells Fargo for all interest and income they have derived from withholding of this amount for the period from XXXX XXXX, 2024 to the time funds have been delivered into my account ; that XXXX and XXXX XXXX be notified of Wells Fargo delay in providing the funds and that XXXX XXXX be absolved of any and all liabilities and that Wells Fargo be responsible for all damages caused to my reputation
Consumer complaint received 2023-09-29
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. (MD)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I have disputed this negative account with the credit bureaus and they have reported to confirm the account is valid. In good faith efforts to resolve this matter amicably, I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature with this company, as well as proof of authority in this manner. They have failed to comply with previous investigations.
Consumer complaint received 2024-03-28
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. (MD)

I have notice many inaccurate untrue and false misrepresentations on my credit report I have sent request for XXXX, Equifax, and XXXX. However I have gotten XXXX responses.