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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

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, 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 2023-06-10
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: WELLS FARGO & COMPANY (IL)

In accordance with the Fair Credit Reporting Act, WFDS has violated my rights under 15 USC1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604ASection 2, it also states a consumer reporting agency can not furnish an account without mywritten instructions. Under 15USC1666B a creditor may not treat a payment on a credit cardaccount under an open-end consumer credit plan as late for any purpose.
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. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my XXXX  to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX : {$31000.00} XXXX XXXX XXXX : {$23000.00} XXXX XXXX : {$2800.00} XXXX XXXX : {$6600.00} XXXX XXXX : {$2500.00} XXXX XXXX : {$2900.00} XXXX XXXX  XXXX XXXX : {$10000.00} XXXX XXXX : {$17000.00} XXXX  XXXX XXXX : {$11000.00} XXXX XXXX : {$1700.00} XXXX XXXX XXXX : {$10000.00}
Consumer complaint received 2023-05-12
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. (TX)

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 this 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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (CA)

Im opening the case again against my bank due a bad handling of a charge back request. I sent all the documents signed and information the bank requested on the times they needed. The bank said they never receive anything... 
Attached goes all the documents I sent to te bank with the dates to proceed to the charge back request, something they never did it. 
Old claims XXXX XXXX
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (VA)

I have tried numerous times to open a wells fargo checking and savings account. In XXXXEverytime i apply for a new account the system says that I already have an active open account with them which i do not currently have..i had voluntarily opened an account under my name in XXXX  but my debit card and check book was lost and someone fraudulently used my wells fargo routing and checking account #.. i. Contacted customer care asking them to close my account they waited a few months before they honored my request but while waiting for them to close my account they allowed the false transactions to accumulate hitting me with numerous fees which caused my account to overdraft and has prevented other banking institutions from wanting to allow me to open an account..
Consumer complaint received 2019-12-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (WA)

The money was withdrawn out of my checking account on XX/XX/19. It was promised that the money will be in my receiver 's account on XX/XX/19. Today is XX/XX/19 and no money in my receiver 's account. I called customer service but I could not get a hold of a human. The computer just hung up when I attempt to be connected to a human. I chatted online with customer service and they said to wait a few more days. A few days went by and still no money in my receiver 's account. I called customer service again and again the computer would not connect me to a human. I chatted online again with customer service and they told me to call customer service. Nobody at Western Union is telling me when my receiver will get the money I sent on XX/XX/19.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have several accounts on my credit report that are not reporting accurate and I have sent Equifax multiple request to correct the information and they NEVER respond. I have disputed thing in the past, about XXXX years ago and received updates in the mail. Now that I'm trying to fix new issues, I get XXXX response from Equifax. Instead what I get is them making things worse, reporting additional inaccurate information! I have XXXX XXXX XXXX XXXX accounts that were included in a XXXX in XXXX because of XXXX. XXXX XXXX XXXX : Account number XXXX  XXXX and XXXX XXXX XXXX : Account number : XXXX. I disputed these accounts on XX/XX/XXXX for the following reasons : The account number is inaccurate and different on the other bureaus, the terms are inaccurate and different on the other bureaus, the past due is incomplete, the payment status is inaccurate and different on the other bureaus, the last date reported is inaccurate and different on the other bureaus, the last date active is inaccurate and different on the other bureaus, the date of last payment is incomplete. Since Equifax NEVER responds to any disputes, I checked my credit report hoping they juts fixed the accounts. Instead, the removed the XXXX status on these XXXX accounts and reported them with BRAND NEW LATE PAYMENTS in XX/XX/XXXX and XX/XX/XXXX!! How can you be late on an account that has been closed and handled in XXXX since XXXX?
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC (CA)

They called my Mom, and husband multiple times neither of which is responsible for my any of my debt. They also said they just got a file today which is not true. Ive never heard or been notified of any debt from this company either. 

Heres a transcript : Federal law designates this matter as a confidential notice for NAME. Please hang up. Now. If this is NAME. Please continue listening to this message do not listen to this message where others can hear as it contains confidential information. There will now be a 3-second pause. Hello. Unfortunately, we've received notice on your file. It is now Wednesday, XX/XX/XXXX, and your file has reached our office due to your failure to respond, and we do need to know was this done intentionally, or was this an oversight? I suggest you communicate. We are open until XXXX XXXX. Today. The phone number is XXXX. Again, it would behoove you to call before. We are asked to see if voluntary Communications XXXX. I apologize for the aggravation. But again, we only did just receive this notice to pay online. Go to ww.w direct Recovery Services and click on the pay now link. Your account number is XXXX.
Consumer complaint received 2021-09-29
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 spoke to a rep from Equifax today XX/XX/2021 and our call got disconnected in the process of removing these unauthorized items. I called back and this new rep was rude and refused to follow the law. on XX/XX/2021 they receieved a FTC report with my verifiying information and she says they dont have to follow the law. 
Worker id XXXX said they are the only ones that can vaildate the information which is not true i told her what the law says and she was not listening They are violating my rights as a consumer and i demand these items be removed. They are supposed to report Fair and Accurate information and they are not.

My next step will be legal and i seeking monetary relief. I just dont understand why Equifax thinks they dont have to follow the law.. the FCRA is for me and to protect me against these types of issues. And the CFPB is suppose to make sure they comply. look up law and you can clearly see they are in violation. and unless Equifax or the CFPB can swear under the penalty of perjury that they know these inquires are true they have to remove them.

15 U.S. Code 1681b - Permissible purposes of consumer reports
Consumer complaint received 2021-09-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (CT)

My grandmother took the loan out with me I was not of legal age. In the middle my grandmother passed. My mother tried to pay the loan but they would not speak to her. Now I am having some mental issues that they were supposed to email me papers they have not and call my mom 7-10 times a day. And they are killing my credit score
Consumer complaint received 2021-09-29
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: CITIBANK, N.A. (NJ)

I CALL CITI BANK ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO XXXX XXXX XXXX, XXXX XXXX ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO XXXX ). 
I ASK THE CITIBANK AGENT IF I OWN CITI BANK ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL XXXX XXXX XXXX, XXXX AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH XXXX XXXX BUT I NEED TO PAID XXXX XXXX DUE THE FACT I OWN CITI BANK .... ( XXXX ) I DO NOT OWN XXXX XXXX NOTHING!!!! 
WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.
Consumer complaint received 2021-09-29
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: Paradigm Assets, LLC (NJ)

I CALL XXXX XXXX  ABOUT AN PREVIOUS CREDIT ACCOUNT AND THEY TOLD ME THEY DONT HAVE ANY INFORMATION ABOUT MY PERSON AND THIS MENTION ACCOUNT DUE THE FACT THEY SOLD THIS ACCOUNT TO JHPDE FINANCE 1, LLC . ( THEY SOLD ALL MY INFORMATION IN A PORTAFOLIO TO JHPDE ). 
I ASK THE XXXX AGENT IF I OWN XXXX XXXX  ANY SUM OF MONEY AND SHE SAD NOOOOO!!! 

I CALL JHPDE FINANCE 1, LLC AND THE AGENT OF THIS COMPANY TOLD ME I DO NOT HAVE ANY CONTRACT OR AGREEMENT WITH JHPDE FINANCE BUT I NEED TO PAID JHPDE FINANCE DUE THE FACT I OWN XXXX XXXX  .... ( XXXX ) I DO NOT OWN JHPDE FINANCE NOTHING!!!!

WE DE DONT HAVE ANY BUSSINES, SIGNED CONTRACT OR AGREEMENT.
Consumer complaint received 2021-09-29
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: Experian Information Solutions Inc. (NC)

Experian has been charging me {$24.00} per month to be a paid member of their credit reporting services. After reading and reviewing my Experian credit reports, I discovered there are a lot of derogatory and negative trade lines on it that do not belong to me and I never signed for or did I ever conduct any business with these companies. Being a paid member I have requested from Experian to refund me all of my money that I have spent and they refused to refund me anything. 

I am unable to open any online disputes on the Experian website, I had to print out my Experian credit report and check off all of these derogatory and negative trade lines on it and I had to send it in the U.S. mail to Experian. They informed me it would take 30 days to investigate everything and they would send me an updated credit report in the U.S. mail and I never received anything in the U.S. mail from Experian. 

I am demanding that I receive a full refund and my Experian credit report is cleared of all of these derogatory and negative trade lines that do not belong to me or I have ever been associated with. Thank you.
Consumer complaint received 2021-09-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BRite Financial Services, Inc. (MI)

I am XXXX XXXX and Im submitting this complaint myself there is no third party involved. Pursuant to federal law 15 USC 1692a ( 3 ) I am the consumer. Pursuant to 15 USC 1692g ( a ) BRITE FINANCIAL has failed to validate this alleged debt. 
XXXX XXXX at XXXX. XXXX XXXX Signed for and received a cease and desist along with an affidavit of truth and bill of Particulars to compensate i for the damages thereof. 
Upon receipt of this notice Brite Financial pursuant to federal should have ceased all communication acknowledged receipt of notice AND Invoke specified remedy by creditor which was listed in Cease and Desist pursuant to 15 USC 1692c ( c ). Pursuant to 15 USC 1666e BRITE FINANCIAL has forfeited any right to collect any amount disputed and finance charge thereof for failure to comply with requirements of 15 USC 1666a. 
As of XXXX XXXX XXXX Brite Financial is in violations of 15 USC 1692c ( b ) for contacting XXXX XXXX XXXX and XXXX about this account arranging for auto theft of my property. Brite Financial has admitted on a recorded line that they received cease and desist which means Brite Financial has willfully and knowingly contacted a person about this alleged debt. This property was paid for in full mail its my credit card pursuant to 15 USC 1602l and 15 USC 1602i. Brite Financial has attempted to take non judicial action by attempting to seize my property which is a violation 15 USC 1692f ( 6 ).
Consumer complaint received 2021-09-29
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. (GA)

On XX/XX/2021 I requested Equifax remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner. 

On XX/XX/2021 I requested XXXX remove negative, unverifiable and defamatory information off of my credit report. The credit reporting agency is not complying with its own policies in a timely manner.
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

Hey, this is XXXX XXXX, I am in stress due to you all consistently furnishing inaccurate information on my report making it very hard for me to get a job!

You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy. 

To Equifax, Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure were 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me with a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter.
Consumer complaint received 2021-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (LA)

Hello and good day to you. Please take another look at the closed complaint XXXX - Axos Bank XXXX This bank response never addressed my complaint, and so why was this closed? Their reply deemed my case closed, and you somehow followed accordingly ( closed ). Was their response ( case closed ) at least suspect? I disagree, and ask that you please take another look at this case. 

At issue are check deposits being refused due to alleged improper endorsement, refused as " unable to verify ''. Their policy, checks must be endorsed to Axos bank, and without any account number designation. I researched this company and find that even govt stimulus checks are refused due to bank clients adding their account number on the endorsement. When this happens, causes weeks and even months delay, bank clients having to call the IRS and have another check issued and deposited/cashed elsewhere. Is this legal and proper, that " even '' govt stimulus checks are refused due to putting the account number on the endorsement? 

My research revealed to me this issue, and I was able to avoid it, I immediately closed my account. Therefore, I am fi Signed,. 
XXXX XXXX
Consumer complaint received 2021-09-29
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiry that is still reporting on my Credit Reports : XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

Experience always what was my credit score for no reason and I have to dispute it and then it goes back up in the same day goes down again I keep paying my credit card off after going up it goes down messing me up every time I do Im trying to buy a house in a mess up my credit score
Consumer complaint received 2022-10-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NY)

I have requested my loan service provider ( edfinancial ) to refund a payment of {$10000.00} I made during the pandemic because I qualify for the {$20000.00} loan forgiveness outlined by President Biden 's student loan forgiveness program. I requested this refund on XX/XX/2022. Edfinancial said it will take up to 6 months for my refund to be processed. I never received confirmation that this refund request has been initiated, nor clarity on why the timeline is very long to process this refund ; I see no activity recorded from their end on my edfinancial account of me submitting this refund request. I have called twice asking for a confirmation email to be sent to me that states edifinancial has received my refund request, and clarity around : 1 ) why it would take 6 months for this refund request to be reflected on my account since other service loan providers have a much shorter time frame for processing and have been able to reimburse people much faster 2 ) why edfinancial is providing inconsistent timelines to different people ( I have peers who have been told they would receive it within 180 days versus 6 months for me ).
Consumer complaint received 2023-01-22
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

I ACQUIRED MY CREDIT REPORT AND ASKED THE CREDIT BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681i I WAITED 30DAYS AND I HAVENT RECEIVED NOTHING BACK MY TRACKING NUMBER IS XXXX AND ONE MORE THING, THEY DIDNT EVEN RECORD THE CURRENT STATUS OF THE DISPUTED INFORMATION. 
EXPERIAN, AND XXXX AND XXXX IS HOLDING ME BACK FROM BUYING. NEW HOME AND CAR DURING THIS HARD TIME IN THE WORLD. I AM STRUGGLING AND TIRED OF PAYING HIGH RENT. 
THE CREDIT Bureau IS NOT DOING THEIR JOB ACCORDING TO THE LAW