davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-20
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. (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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 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 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

While banking with Wells Fargo we were charged overdraft fees several times but no overdraft was made on our account. As well as we were not able to access our funds for a number of days because our deposits were sketchy as the teller put it. We ended up leaving the bank and they still are charging us to this day. Even though our accounts were in the clear.
Consumer complaint received 2022-11-29
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. (AR)

15 U.S. Code 1681b - Permissible purposes of consumer reports. Inquiries are not attached to an open account. On XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ran my credit without permission. 
On XX/XX/XXXX XXXX XXXX XXXX ran my credit without permission. On XX/XX/XXXX XXXX XXXX ran my credit without permission. I contacted XXXX, XXXX, EQUIFAX to get written validation of the inquiries. No documentation was provided. This has caused emotional distress and pain & suffering.
Consumer complaint received 2023-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I received E mail from XXXX XXXX XXXX , asking me to pay XXXX forcomputer protection plan.i did not want any plan.i called the tele.no.provided on the email.XXXX answered the call agreed to cancel my plan but in order to that he needs to access my computer .they installed any desk and took control over my computer.In order to refund my money they needed my bank access.so i logged into my chase acct.they took control of my computer.told me they habe XXXX XXXX XXXX acct.and transferring money into my bank.they kept engaged in conversation and very pleasant.Some time later they said they are having problem from their end to transfer money.Asked me to do something from my side.told me to put XXXXdollars to transfer and see if it works.so i did put XXXX dollars.but they said it came as XXXXstarted yelling at me that i committed fraud and trying to steal their money.Asked me to go to bank right away to wire transfer them right away.. i went to bank and transferred XXXX .they asked to take XXXX for all the confusion.i never had their money in my acct and they were in control of my computer.i lost XXXX .when i asked bank teller she told me i had XXXX transfer in the acct.Not checking where the transfer came from.They transferred from my savings to checking. i believed them and transferred my money to their XXXX XXXX XXXX  acct.My bank put the stop order on wire transfer.one week passed but XXXX XXXX XXXX is not responding to reverse the transfer .please help this XXXX year old fraud victim.
Consumer complaint received 2021-12-23
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. (NY)

I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the fdcpa please look into this matter
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (KY)

I have used AnnualCreditReport.com with no issues for years. The last XXXX times I 've tried to use the service it has failed starting in XXXX of 2015. This time when I tried to get my report from Experian, after entering all my information it immediately goes to a page that says, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' Then it proceeds to tell how to get a credit report, how long it will take and how much it will cost. It also requires a copy of a government issued photo ID and a recent utility bill or like document. 

This is totally unacceptable. I did a quick internet search and have found similar complaints from many others. it appears the credit reporting agencies are not holding up their agreement to provide a free credit report annually to those who request it. I am asking you to contact them and require them to correct this error immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Both my bank and myself have tried to get these XXXX  to correct my balance to XXXX. They don't seem to understand that my original loan was incorrectly input into the system so the bank changed its status and re-reported it. They closed the incorrect loan and reported it as a collateralized loan but I then paid off the entire loan on XX/XX/XXXX. I have spoken many time with both Equifax and XXXX and they can't figure out their XXXX from deep center field. I have even sent them legal documents from XXXX showing the loan to be paid in full on XX/XX/XXXX, ( not to be confused with the original loan paid off in XXXX ). There should be 2 loans for the same amount, both paid in full. One loan paid off in XX/XX/XXXX and the other paid off on XX/XX/XXXX reported XX/XX/XXXX. I am going to attach the paperwork sent to the credit bureau and to me. It is the loan being released and paid from the State of AL to XXXX XXXX head of the loan XXXX XXXX XXXX Bank. At this point I am going to obtain legal counsel and then they will be paying for my legal bills. I am trying to refinance my house on a lower APR and they are causing me harm and if my rate goes up because they will not remove the inaccurate information, then my only option is to sue for the difference in my APR over the life of the loan. It seems both XXXX and XXXX have educated people working for them, instead of XXXX. I don't understand why they can't figure this out. It is simple and it has been a problem since my update. They also did not update my information for 2 months, which is inexcusable. They need to hire more highly skilled people instead of people that didn't graduate High School.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Fidelity Services, LLC (MS)

They contacted me after the company I borrowed was paid more than 4 times the amount owed I was contacted by Mid West Fidelity Services stating that I still owe money when a loan in the amount of {$900.00} was paid more than {$2500.00} in payments. The company advised me not to worry about the paper work and that I could pay it off and it was just a formality and that I would not owe the amount and to sign I signed and paid more than 4 times the amount received I was later contacted by Mid West fidelity Services stating that I owed an additional {$1100.00} plus after paying more than {$2500.00} on a XXXX loan. The company is over charging the consumer in bogus fees and needs to be investigated for illegal lending practices XXXX XXXX is charging illegal lending practices and needs to be investigated immediately.
Consumer complaint received 2023-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WA)

In my previous complaint regarding this subject, the bank stated that I had deposited fraudulent checks and used the money. 

This is not true.. I made no deposits to the account with any checks or withdrew any monies. 

The deposits in question were apparently mobile deposits with my name typed on the back of the checks in the endorsement line. I repeat, I never made a single deposit that was not valid. I do not know where these checks came from. 

I had applied for a loan from what I thought was a reputable finance company, but I repeat : I DID NOT DEPOSIT ANY CHECKS to my account. 

USAA is changing the narrative to suit their purposes and duck the consequences of their failures and placing the onus on me. 

As far as the missing transcription of the previously reported telephone connverstion between a USAA representative and someone purporting to be me seems a convient way for them to further duck responsibilty. 

And if the CFPB can not do a better job of investigating this incident and the return of my money being held by USAA, I will take the matter up with my Congressional Representative.
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX : A creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX this complaint. The stuff on my credit report is wrong 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 2023-01-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I dont recognize these transactions and I called the CRA and told them and they said there is nothing they could do on the first person I talked to. The representatives after I told them the same thing but I see nothing happen. I didnt make these or gave them permission to put or do these inquiries on my transunion report and its still here. 

Ccbaxcessfin- date XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-14
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: Rozlin Financial Group, Inc. (GA)

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 permission and instructions.
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This a formal complaint in regard to the response to my complaint Equifax submitted in XXXX XXXX XXXXnd the continuous reporting of inaccurate and unverifiable information. In accordance with the Fair Credit Reporting Act, Equifax has and continues to violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 by continuously reporting the following discrepancies with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can this creditor verify that the current status is being reported correctly when this account is displaying inaccuracies and discrepancies? What reasonable procedures were used to verify the completeness and maximum accuracy of the information? You are allowing this creditor to update and modify inaccurate and false information on my report monthly, after willingly and knowingly this creditor is violating my consumer rights. 
You also responded to my complaint stating that XXXX XXXX XXXX XXXX is being reported as a single entry on my Equifax credit file. That is completely inaccurate. If it was a single entry, why is the same debt being reported with XXXX different account numbers ( # XXXX XXXX XXXX  ) from the same creditor? Thats a double entry. 

I have sent multiple certified requests with copies of the delivery receipts requesting the XXXX, Cancellation of XXXX XXXX, to provide evidence of my obligation for the reporting balance owed. This account has been charged off, therefore, the creditor has reported the balance as a loss and written off the balance. Creditor is required to issue consumer a XXXX reflecting the actual amount written off to IRS. 

Equifax has failed to conduct a proper reinvestigation and continue to list the disputed items on my credit report, falsely and inaccurately.
Consumer complaint received 2022-10-04
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts and inquiries from my credit report immediately.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I have been trying to pay XXXX and they are unresponsive to emails. They have reported to XXXX, XXXX, Experian that my account is charged off. They have also reported the account multiple times on my reports.
Consumer complaint received 2022-10-04
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. (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 U.S.C 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # : XXXX XXXXXXXX, 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 have 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.

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 2023-06-13
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: CCS Financial Services, Inc. (FL)

I disputed a collection agency account that was not mine but reporting on my XXXX XXXX file CCS Collections reported on XX/XX/2023 original creditor - XXXX  {$59.00} unpaid balance This was the claim by this company that I never heard of I disputed this as not mine fraud account XXXX claims they verified this account as mine but never offered any supporting documentation to prove this as factual data
Consumer complaint received 2016-08-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

XXXX XXXX, 2016 Dear Sirs, Please help me! I 'm a XXXX old woman on my own, and my home of 37 years has been yanked out of my hands by judges and attorneys into foreclosure. I was working with JP Morgan Chase to apply for a HAMP Loan through the HOPE organization. I filled out form after form, sent them back and never heard from Chase for my Trial Payments. JP Morgan Chase put my home into foreclosure. 
I called JP Morgan Chase in XXXX of 2016. I told them I wanted to send payments to them, but they would not accept my money and would n't talk to me or my son after that. The attorney for Chase, XXXX XXXX. XXXX in XXXX, VA, would not talk to me or my son either. We would leave message after message and nobody would call us back. I could n't find an attorney who would take my case against JP Morgan Chase, so I went by myself to the Court in XXXX XXXX, Virginia, and did the best I knew how to defend my rights. Of course I lost. I have been fighting for the past year to keep my home of 37 years. I 've pleaded with people, attorneys, the investment companies, and Judges and everyone says they ca n't do anything about it once the home is foreclosed on. I do n't believe that! 
After researching on the internet for help, I stumbled upon the The National Mortgage Settlement. I 'm not asking for a class-action money claim, I just want to be able to send payments to continue paying for my Home Equity Line of Credit and keep my home. Because of the tremendous onslaught of applications from the Obama HAMP Program, these applications were not being processed for new loans. They were immediately thrown into foreclosure status. XXXX article said " employees were given bonuses '' based on how many homes they foreclosed. In my opinion, there 's a huge conflict of interest there. What motivation is present from employees to process loans, when they can receive BONUSES for putting them immediately into foreclosure. That is how I got into the situation I 'm in now. The court is trying to evict me. As I write this, a sheriff is trying to give me eviction papers today, XXXX XXXX, XXXX. I do n't want to have to leave my precious home where I have lived for 37 years. I do n't see why I have to give up my home, when the fraudulent practices of JP Morgan Chase, my lender, and XXXX other huge banks and lenders committed fraud by doing these practices. 
I have attached an article from the XXXX XXXX. Please help me! Do n't ignore me. I 'm not a bad person, I just want my home. Thank you, XXXX XXXX.
Consumer complaint received 2023-01-14
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX