davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-06
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. (FL)

Equifax has caused me physical, mental & financial anguish by violating my rights as a consumer. 
Equifax reports serious delinquent payments with company XXXX on my credit report for the dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, which is incorrect. I have tried ( 6 ) times to resolve this matter with Equifax to no avail. Equifax is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. -15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish a
ny information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

After moving to Florida for work with XXXX XXXX on the XXXX of XXXX I was staying in my employer 's hotel chain on the XXXX of XXXX, resting from a illness I had contracted and was summarily robbed of my automobile and property while I was asleep in my hotel room, the theft included most all of my Debit and Credit cards and my identification. This theft was reported to the police immediately as found in XXXX XXXX police report # XXXX. After closing every credit card and debit card I own and scrambling to recover my life I filed the proper requests within a reasonable amount of time with my bank of 15 years ( Wells Fargo ) to refund me the funds that were stolen by the thieves. 

The bank, without legal or due process, denied my claim and added injury by accusing me of insurance fraud. The bank 's claim implicitly stated that I personally knew and supplied the thieves with my PIN and with my car ( which was never recovered or located by the police ). This astounding accusation couldn't be farther from the truth. It stated explicitly that since my PIN was used in the transaction at the bank, I had to know the person that used the PIN. This worries me as it highlights a significant weakness in bank security features and this information should be made for the public to know. Furthermore, I don't understand or was never made aware of the bank 's ability to deny claims without proper review or oversight. I was never even contacted about the claim. The bank 's ability to have " knowledge '' of my personal life is fallacious at best. I was also surprised to see that the transaction was made at a branch of the bank. I would need to find out whether the bank has security cameras in its ATMs because the review process would include watching the ATM security footage, I would assume. This suggests that the bank is grossly negligent in its findings. 

I attempted to resolve the issue directly with the bank explaining that I only know ONE person in Florida and I haven't physically been here long enough for those findings to be even partially accurate. Nor have I EVER shared my PIN with anyone. The the first time I called to resolve the issue the bank " couldn't get a supervisor on the phone '', and the second time " couldn't get a supervisor on the phone '' and then just hung up the call. 

The damages the bank has caused to my life through its negligence is significant. I request that the FDIC step in and use its authority to investigate how banks assess their own claims, whether I am a victim of negligence and discrimination from my bank as claims on my account are few and far between, and why they believe its legal to self evaluate and absolve themselves of wrongdoing as they are not a legal or governing body.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (CA)

I reviewed my Consumer Reports and noticed that I had Charged off status on an account that was linked to another positive account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. this account must be fixed : XXXX XXXX Balance Owed : {$1600.00}
Consumer complaint received 2020-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

ProCollect has allow someone outside of me to get an apartment in my name. I have reported the matter to the property authorities and submitted information to FTC and to the creditor as of today this matter has continued to damage my credit. The resident was occupied 2018. Procollect has updated this collection on a regular basis with no resolution.
Consumer complaint received 2023-10-28
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. (IL)

According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] XXXX usc XXXX B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title XXXX ; - [ ] XXXX usc XXXX : rights to privacy. 
Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action
Consumer complaint received 2023-10-28
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. (NC)

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 Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number : XXXX 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 2023-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a Capital one XXXX credit which is closed- for the past 3 months I have been paying on the card -- this month XX/XX/2023 they are charging me a late fee of XXXX dollars-how can am account be late if it is closed -- the bill was due on the XXXX and I paid on the XXXX I got up that morning they must had put that charge as soon as they opened because it was not thre on the XXXX -- now I am just guessing -- -I do realize that I still have to pay the balance which is why evevy month I am paying but I do not think I should have to pay by a due date -- if the account is closed why and how are they imposing a late fee and a due date
Consumer complaint received 2023-02-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (GA)

This is illegal and should not be reporting on my credit XXXX XXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (PA)

I had someone hack into my bank account and they began making transactions through XXXX. ( I do not use XXXX often and have tried avoiding to use it but it is ingrained into my bank. ) The person made numerous XXXX  transactions to themselves resulting into almost XXXX dollars out of my account. My bank sees this as non fraudulent even though this individual used their phone to hack into my account. Since then I have made numerous calls to my bank and now they are just not helping anymore. They promised that I would have a case opened up but it's been roughly a week since then and I should have gotten a call within 3 business days.
Consumer complaint received 2024-04-01
Product: Mortgage — Conventional home 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: JPMORGAN CHASE & CO. (MN)

Ive had my mortgage for 19 years. Purchase before I was married ( 18 years ago ) chase refuses to accept my legal name change from XXXX to XXXX. I can not make my payments and have been trying to get them to refinance my mortgage to lower the payment since theres over XXXX in equity. They also refuse to take my deceased husband off the mortgage documents ( they even sent me modification documents with his name on it ) they have his death certificate, my documents showing my name change. Chase also has done nothing about the fraudulent activity on my mortgage that I wasnt made aware of until XXXX of XXXX
Consumer complaint received 2023-03-02
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Please Refer to my complaint. I have found the mortgage number along with letters relating to my struggle in refinancing through HARP. My son was going through XXXX XXXX XXXX ( at XXXX ) around this time and I was dealing with a XXXX XXXX class action. The account of the mortgage was XXXX. I lost my family home because every time I would fax the COMPLETE set of Harp documents to Wells Fargo, they would tell me they didnt receive them. I was accustomed to doing document productions and transmitting them as a legal assistant at XXXX, XXXX XXXX, XXXX and XXXX, and more ( XXXX XXXXXXXX XXXX ) and I know I was getting the run around from Wells Fargo. I have correspondence relating to this horrendous time and I can feel my blood pressure riding as I type this. I deserve a serious look at this.
Consumer complaint received 2020-02-19
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: WELLS FARGO & COMPANY (NY)

I submitted a dispute to Wells Fargo, Disputed ID XXXX, posting date XX/XX/2020 in the amount of {$270.00} I indicated to Wells Fargo that I did not recognize the charge and that I wanted further details as to exactly what the charge was for. 

I received a response indicating that the " merchant name '' for the charge of {$270.00} was " XXXX '' However, " XXXX '' is not a merchant but rather a third party billing service.
Consumer complaint received 2023-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (GA)

Self Financial Team Self Financial , Inc. 

Re : Response to Consumer Financial Protection Bureau Complaint Case # XXXX I hope this RESPONSE finds you well. I am writing in response to your recent communication regarding my Consumer Financial Protection Bureau ( CFPB ) complaint, Case # XXXX, in which I expressed concerns regarding my credit report and the reporting of late payments by Self Financial , Inc .

I appreciate your prompt response and the detailed explanation you have provided regarding the company 's position on this matter. I would like to address some of the points you have raised and reiterate my concerns.

While I understand that Self Financial , Inc. operates as a data furnisher rather than a consumer reporting agency, and you have mentioned that the information is provided to the credit reporting agencies in compliance with the Privacy disclosure and terms of service, I must emphasize my interpretation of the applicable legal provisions.

According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ( 2 ), the term " consumer report '' does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. I believe this provision explicitly excludes the reporting of such transactions from being included in consumer reports. I maintain that the reporting of these transactions to my consumer report is in violation of the Fair Credit Reporting Act and XXXX compliance. 

The inaccurate reporting of these transactions and late payments is adversely affecting my creditworthiness, making it challenging for me to address my financial needs and overcome obstacles. I want to resolve this matter amicably, but I must insist on the removal of these late payments from my credit report in accordance with the applicable laws. 



Thank you for your attention to this matter, and I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-11-25
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: ALLY FINANCIAL INC. (TX)

I have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2019-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

As a result to a data breach at my realtors office my personal identity was compromised and misused to apply for and open up accounts without my knowledge or consent. i have taken the steps and precautions to protect myself from any further activity and damage of my personal credit file. i have a police investigation in progress locks for my credit monitoring sites that give me on time alerts and i have an identity theft report.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Well Fargo froze a joint account my husband and I shared back in 2011. It was for a few XXXX dollars being deposited by the military, it caused us a significant amount of trouble because it directly affected our lives we were late on rent and other bills and end having to pay a significant amount of late fees due to the account being frozen. It took more than a week for them to correct their error. This event led to us closing our accounts with them permanently.
Consumer complaint received 2015-05-31
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (FL)

On Saturday XXXX/XXXX/2015 there were XXXX ATM transactions made to my SERVE prepaid card, A card issued by some branch of AMERICAN EXPRESS. The transactions were for {$200.00} each for a total of {$400.00}, On XXXX/XXXX/15 I went on-line saw the error and immediately reported it to the XXXX, They sent me a fraud affadavit I filled it out and returned it on the XXXX/XXXX/15. on the same day XXXX/XXXX/15 I got an email stating that the dispute was denied and my account had been closed. It also says I have the right to any documents they may have relied on in making there decision. So I called and said I did not make the transactions and i did not know anything about them. i still have my card and i never gave anyone my card info or my PIN number. They Would not tell me how they came to there decision or give Me the documents they used. They dont even know what bank they are no one there will tell you anything. They will never let you talk to a supervisor, they put me down for a call back and I never got XXXX. 

I feel like they are just trying to strong arm me by telling me there decision is final, I do not think that they did any kind of investigation. and they definitally do not have anyproff that says i am responsible for the transactions Because I know i did not make them. 

Please help i am out {$400.00} plus some fee they charge every time the card gets used at an ATM. 

They are not following the law, they did not prove anything they are just trying to say it is my fault with no proof and that is not fair.
Consumer complaint received 2023-02-02
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. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2019-09-04
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: CORELOGIC INC (OH)

My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX , XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2019-10-10
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

All of the credit bureaus have allowed the debt collection company, Portfolio XXXX XXXX to illegally report against my consumer credit files. XXXX, most recently verified the account. As a consumer, I am very aware that there are very limited choices that I can make in order to dispute these items and the reports favor the company over the consumer. They pay to be allowed to be able to report against consumer credit files and it shows when a consumer disputes illegally reported information.