davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-21
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. (AZ)

I HAVE CONTACTED XXXX BANK NUMEROUS TIMES, ZERO RESPONSE. XXXX BANK FAILED TO RESPOND TO MY CORRESPONDANCE SENT ON XX/XX/XXXX, VIA CERTIFIED MAIL. I HAVE ATTACHED THE CERTIFIED LETTER THAT WAS SENT FOR PROPER VALIDATION AND NOT VERIFICATION AS WELL AS THE XXXX XXXX SHOWING IT WAS DELIVERD AND PICKED UP BY ONE OF THEIR REPRESENTATIVES. IT IS NOW XXXX XX/XX/XXXX WITH NO RESPONSE OR CORRESPONDANCE, BUT ONLY ANOTHER COLLECTION AGENCY ATTEMPTING TO COLLECT. THIS IS NOW THE XXXX AGENCY, TO MY KNOWLEDGE AND EVEN AFTER FAILED ATTEMPTS TO SUE ME WHICH WAS DISMISSED IN COURT. THIS NEEDS TO BE COMPLETELY ERASED ENTIRELY FROM ALL THREE BUREAUS AND OFF OF MY CREDIT REPORT, IMMEDIATELY. XXXX BANK FAILED TO RESPOND WITHIN 30 DAYS - IT'S BEEN 4 MONTHS. I EXPECT THIS TO BE DEALT WITH AND NOT CLOSED LIKE THE LAST COMPLAINT I HAD SENT CFPB. I AM ALSO REQUESTING A COPY OF THIS DELETION. NEXT STEP WOULD BE THE XXXX XXXX FOR CFPB NOT DOING THEIR JOB AND XXXX BANK NEGLECTING TO RESPOND. THANK YOU
Consumer complaint received 2023-01-21
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: Bread Financial Holdings, Inc. (NC)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-21
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: EQUIFAX, INC. (DE)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-01-21
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: Experian Information Solutions Inc. (DE)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NV)

Ever since I opened an account with Wells Fargo I have had several claims of fraudulent on my debit card and reimbursed the transactions. Just recently several fees were affected to my debit card. And everytime Wells Fargo admits to false added fees to the debit card and immediately credit my card back this is several fees that have already been made and Charged.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (SC)

Recently, I made a deposit for trading cryptocurrency, which went sideways. I actually made money from the trade, but now Im trying to get my money back. When I told Wells Fargo, that I believed I had been scammmed, because my money will not be returned to me, they said they could not help me. I believe that it is their job to help me recover fraudulent charges. If a customer has been scammed out of money, and the money has come from that bank the I bank with than it is their job to help me recover the funds. Please help me! Right now, I can not buy groceries or diapers and that is very upsetting!
Consumer complaint received 2023-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF HAWAII CORPORATION (HI)

I have closed my account because of fraud reasons. However, I have returned items to the merchant for a refund because of items I never needed when my bank account was already closed and have never received anything in the mail since then. I have called many times my banks customer service line only to be told that a merchants refund sent to a closed bank account will not go through and therefore still have not receive any remaining credits as a check. Other than that, I have been contacting my bank whenever I can but still haven't had a refund going through as a remaining credit and being sent a check in the mail for remaining credits I have on my closed bank account.
Consumer complaint received 2024-03-18
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. (CA)

I wish to contest a derogatory item present on my credit report that I believe to be inaccurate, untrue, incomplete, untimely, and potentially not even associated with my responsibility. Upon thorough examination of my report, I have identified numerous errors and inaccuracies being reported. I kindly request that you carefully review and rectify any and all of these discrepancies, ensuring they adhere to the standards of truthfulness, accuracy, completeness, timeliness, ownership responsibility, FCRA compliance, XXXX XXXX Format compliance, and any other relevant regulatory requirements governing reporting obligations. 

The following disputed information represents allegations that lack sufficient proof of validity and compliance. I insist that you promptly remove these entries from my report. I expect this action to be taken without delay. Below is a list of the contested information : Listed below are the Accounts that are being challenged : XXXX XXXX  - XXXX XXXX XXXX  - XXXX Listed below are the Public Record that are being challenged : Bankruptcy - Federal - XXXX Listed below are the Inquiry that are being challenged : XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

Myself and my spouse XXXX XXXX worked at XXXX in XXXX to 2003 and banked at the wells fargo bank in waxahachie until we got tired of the over drafts that we would run into at least once a month. we have since changed backs and are very happy where we are. Not needing anything in return just wanted to point out we are another couple that was hit by the wells fargo issue. We would deposit our checks and use the funds a couple days later. they would move our outgoing funds to cause the overdrafts. as in we had a bill that we had the funds for and another bill that had to wait for a couple days so we had the funds in the account but instead they would move the lesser bill back n put the bigger bill first causing the overdraft.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

I was incarcerated from XX/XX/XXXX, XXXX XXXX, XXXX. My former roommate burglarized my home and stole my truck with my wallet and cell phone being amongst contents stolen. It gave access to my bank account. I filed a dispute with Wells Fargo on XX/XX/2023 for all transactions during my incarceration. When the dispute was filed I was told I would need to be willing to cooperate with the institution 's investigation as well as be willing to pursue criminal charges if necessary. I filed a police report in both XXXX XXXX and XXXX XXXX. There were also two reports made while I was incarcerated regarding the burglary of my home and theft of my vehicle. I was also informed it could take up to ten business days to receive the funds in my account. I called Wells Fargo on the 10th day and received news of the claim being denied. The representative stated the denial was due to the large amount of transactions involved in the dispute, the fact I knew the suspects, and that I would need to reach out to the individual merchants. I spoke with the claims department where I was told I would receive a call from a manager within 48hours, after requesting to speak with a supervisor. My mortgage is now 20 days late. I have a negative balance. I can not get an explanation from Wells Fargo regarding questions asking why my account activity didn't freeze the account. I have spoken with several merchants regarding the fraudulent charges, but have been informed the bank must handle it. In 17 years, I haven't had a single dispute with Wells Fargo. It is imperative this money be returned so I am able to pay my financial obligations before anymore late fees accrue. I have not had XXXX single call from Wells Fargo. All interactions have been initiated by myself. The call within 48 hours was not received. The employees investigating my claim did not seek any additional information. My former roommate is currently incarcerated in XXXX XXXX, GA. I am at a loss in the situation and was advised to contact the CFPB to attempt a resolution. It is impossible for me to have made these transaction during confinement. A total of four police reports have been filed with law enforcement. Paying my mortgage is a tip priority, and I am frustrated beyond words at the bank 's unwillingness to accurately investigate my claim. I made a police report and filed a dispute the same day I was released.
Consumer complaint received 2023-01-21
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. (FL)

I CLOSED two of my XXXX XXXX credit cards ending in XXXX and XXXX on two separate calls but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that Metro 2 Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and Metro 2 require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each account for each day the willful violation remain until permanently corrected. Permanent deletion of my accounts are demanded as my accounts are NOT METRO 2 Compliant. At a minimum, my accounts must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Consumer complaint received 2024-03-18
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)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XX/XX/XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. XXXXm seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX- This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 
XX/XX/XXXX XXXX XXXX, XXXX, and Equifax 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 or 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 data is inaccurate.
Consumer complaint received 2023-01-21
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: Chime Financial Inc (CA)

I was charged for video content with a Creator under contract by XXXX. After 9 days and had not received goods paid for in full {$140.00} on XX/XX/2023 in 2 payments. {$80.00} & {$65.00}. When I requested my money back, they refused then immediately locked me out of the account on false accusations, blocking me from access and using extortion intimidation techniques to regain access. I refused to be bullied and requested over 10 times between the Merchant and Chime Bank where I have my account. I have overwhelming proof and refuse to honor a very simple charge back as described in XXXX consumer protection policy which was violated numerous times for HUNDREDS of dollars. XXXX is a dishonest organization as is Chime Bank as they have offered ZERO proof or reasoning for their wrongful denial as I've requested. Their decision came within a few hours... Even before I had the opportunity to submit all the documentation. It's as clear and simple. I paid for goods that were never sent to me or received by me. This is pure Fraud. I'm not even asking for everything I SHOULD get. And neither of these companies are loyal or professional
Consumer complaint received 2020-12-23
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

01- XX/XX/2020 I refinance my home and paid off my old mortgage 02- XX/XX/2020 Per bank record, they mailed my escrow refund ck {$10000.00} 03- XX/XX/2020 Check NOT received until now 04- XX/XX/2020 I called the bank for my check and I was told that I have to wait for it. 

05- XX/XX/2020 I called the bank regarding ck. They told me they will stop payment and a new check will be issued. 

06- XX/XX/2020 I called the bank regarding my ck. I was told that they would stop payment and issue a new ck. I told them that in my previous call, I was told the same stop payment and issue a new check, which they did not do. Also, today, they told me, sorry, but you have to wait. 

BY THE BANK RETAINING MY ESCROW MONEY, THEY ARE HARMING ME A LOT AND MORE SO IN THIS TIME OF PROPERTY TAXES, VIRUS AND HOLLYDAYS. 
THE BANK SHOULD PAYMENT INTEREST AND PENALTY FOR USING MY MONEY AND LYING TO ME THE CHECK GOT LOSS. I DO RECEIVE MANY OF THEIR LETTERS ALL THE TIME.
Consumer complaint received 2023-01-22
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: Berlin-Wheeler, Inc. (Kansas) (MD)

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate the date last active is inaccurate, and the date last reported is not accurate This is grounds for removal. 

They also violated my rights under 15 U.S.C 1681 Section 602A. 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.
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX my account and money was taken from XXXX XXXX all of my money and funds were electronically withdrawn this has caused hardship with my Chase account and capitayone account as I have filed a XXXX breach settlement because of false reporting and also neglected my small business where as I cant establish my accounts because of false reporting reflecting from XXXX XXXX and XXXX false reporting my info as my bankruptcy was also XXXX last year its been I XXXX r XXXX years this has really caused me damage with job opportunities and so forth
Consumer complaint received 2021-09-29
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. (IL)

I filled out an application through XXXX XXXX for XXXX XXXX. Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Below are the screenshots h