davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-10
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. (CA)

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 lawyer 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (OR)

case no. XXXX NOTICE : conditional acceptance of offer to contract no. # XXXX XXXX re : attached Affidavit of truth ~ Writ in the nature of diplomatic affairs i, known as XXXX XXXX indigenous to the lands of the Americas, previous known as XXXX, a natural living being, Tax exempt, am with the authority and hereby establish this jurisdiction as follows : i, conditionally and timely accept all presentment ( XXXX ) as follows : whereas Entity ( XXXX ) / DBA Wells Fargo has failed to provide proof of claim ; evidences of a Debt ( Taxes ) owed by XXXX the paramount interest holder for the Public Trust : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX 

whereas Entities Doing Business as ( DBA ) /Wells Fargo Inc. have fail to provide proof of claim. 
whereas deformation of character is a criminal offence, i.e. 'perjury'.all entities/DBA Public Officials are required by federal, state, and municipal law to provide the name, address and telephone number of their public hazard and malpractice bonding company and the policy number of the bond and, if required, a copy of the policy describing the bonding coverage of their specific job performance. Failure to provide this information constitutes corporate and limited liability insurance fraud ( 15 USC ) and is prim a facie evidence and grounds to impose a lien upon the entity ( s ) /DBA Public Official personally to secure their public oath and service of office. ( 18 USC 912 ) perjury : falsely identifying the living XXXX to be aU.S. Federal Person, as XXXX XXXX XXXX other variation thereofsuch as XXXX XXXX their presentment received on XX/XX/XXXX by way of U.S. Mail and their response received on XX/XX/XXXX by way ofonline Public Service; entity ( s ) /DBAConsumer Financial Protection Bureau XXXX anyone having taken an oath willfully subscribes as true any material matter which he does not believe to be true ; is guilty of perjury and shall be fined underUS code1746, title 28.

see attached affidavit of truth for more details posted in the public at : www.spritualbreeze.org/public notices/WFXXXX XXXX
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP !!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (CA)

Freedom Mortgage has ruined my credit, please help me.

My original mortgage company sold our mortgage to Freedom Mortgage which was the beginning of this nightmare. I kept making my payments timely via auto debt, they kept returning them, I have all the banking documents to prove it, then they reported me to all the credit bureaus, kept trying to charge me fraudulent late fees, when all along returning my payments that I kept making in a timely manner. They kept sending me letters at home harassing me telling me that I didn't have sufficient home insurance, telling me purchase insurance from them or they would drop me for insufficient home insurance, threatening to take me to collection. it's been 1 thing another, told me I have to pay late fees although my checks were sent in timely manner but returned by them. They tried to pull my mortgage payment from my bank from some random account which my bank denied, they tried to charge me with late payment for that too. After spending endless amount of time with their incompetent customer service department they told me to pay all the late fees to stop them from further reporting me to credit bureaus, then they'll refund me all the late fees. Please help me as they are refusing take back the derogatory credit reporting, holding me liable to delinquencies. 
Never before in my life have not paid my mortgage payment on time in 30 years of my credit history, I have always paid Freedom Mortgage well over the amount due monthly for my mortgage payment until this terrible nightmare began. Please help me
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (WA)

To ensure complaint of most up-to-date, accurate, and correct personal information being reported in the credit file at all time. 
Hence, my credit file is not confused with people of similar name, Date of Birth, address or SSN.
Consumer complaint received 2023-08-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO Bank, N.A. (CA)

Bank of the wests XXXX Contact Center supervisor named XXXX ( bank number XXXX ) is worst candidate to represent Bank of the West. 
I have had two overdraft fees charged on my checking account on XX/XX/2023. I usually use my bank of the west account on sales deposits for one of my online stores. I contact the bank customer service to get help and get my overdraft fees to be waived. I was told by first representative XXXX from XXXX office that he can reverse one of the payments only. He told me I can ask my supervisor for second overdraft fee to be reversed. After XXXX the supervisor got on line whole story changed. Supervisor XXXX states that the representative gave me wrong information, that she will not refund non of the overdraft fees. She didnt want to give out any information about representative, most likely she didnt want to me to have a reference. I have work for my money hard and for {$12.00} charge I hate to get {$35.00} overdraft fee charge. She is most rude and doesnt even hear what customer has to say. Her position is customer service supervisor and the way how he handles is going to bring a lot of lost customers for Bank of the West. If bank of the west agent doesnt contact and help me resolve this issue within timely manner, Im leaving the bank. I dont want to have any business with the bank that lets their supervisor act very unprofessional and hang up on the call even though you try to ask them question or details of decision.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I recently checked my credit report and noticed that an account is showing inaccuracy in reporting late payment from XXXX XXXX dated XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX in accordance with the fair credit reporting act this company has violated my rights and with accordance to 15 USC 1681 SECTION 602 states I have the right to privacy also 15 USC 1681 SECTION 604 A SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions SECTION 15 USC 1666B STATES a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MO)

Got a letter from Synchrony Bank saying I was denied a CARECREDIR card issued by them due to insufficient credit history. When trying to call the number listed : XXXX as I never applied it asked for my full social security which instantly seemed like a scam. I did not proceed with the card and I looked up online for CARECREDIT and was met with a different number and AI voice director. I am assuming this is a scam to get information but I do not want to throw it away. I have pictures of the letter.
Consumer complaint received 2023-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected rights consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, account number XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer agency may make any consumer report containing any of the following items of information, any other adverse of the information, other than records of convictions of crimes which antedates the report by more than 7 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 2023-08-16
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: ALLY FINANCIAL INC. (FL)

I filed a dispute with credit card company. Company denied my dispute. I filed a complaint with this agency. Ally bank responded, see attached letter. Ally credited my card in the amount of {$250.00} on XX/XX/2023. On XX/XX/2023 Ally reapplied the charge back to my account without contacting me or investigating the dispute. Letter states that " if proper evidence is provided in the allotted timeframe the charge may be reapplied to your account '', see attached letter dated XX/XX/2023. Ally did not provide to me any evidence or documentation from the merchant whatsoever. Ally simply reapplied the charge without reason or justification.
Consumer complaint received 2023-03-10
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. (SC)

These accounts and inquiries are fraudenlent i have disputed these items like 5 times already with Equifax they have not removed these accounts. they have neglect my fair credit laws. I have sent in a police report fraud ad davit and copy of ID AND prove of residence and contacted the creditors. They have didi nothing to remove these acounts Accounts that are Fraudulent on his Equifax Credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (VA)

I was scammed by an online scammer on XXXX XXXX  trying to purchase a car and paid {$3600.00} via from my XXXX-cash app. Once I realized I was scammed I filed a dispute through XXXX  and cash app. Cash app immediately denied my claim without investigation and only sent a request request to the scammer and of course whoever it was denied it. and XXXX originally filed my first dispute incorrectly titled as a unauthorized transaction then denied it but I informed them that I did authorize the transaction it was a online scam and I never received the goods and or services I paid for. They still denied my request 2 more times with no reasoning ( insisting that they were working alongside cash app to handle the dispute ) but havent provided any information or assistance. And what they are doing obviously is not helping XXXX because all my provided documentation shows that I was in fact scammed out of allot of money I need back. I would like to emphasize the fact of whether I authorized the transaction is irrelevant. I MADE THE TRANSACTION! I AUTHORIZED IT! I NEVER RECEIVED THE GOODS I PAID FOR and provided proof that the person I was supposed to be purchasing from has completely disappeared. These type of scammers shouldnt be allowed the option to refund nor use cash app services anymore.
Consumer complaint received 2023-03-10
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. (NJ)

Hello, my name is XXXX XXXX XXXX. After carefully reviewing my personal consumer credit report, there are hard inquiries that I did not authorize. I request that these Inquiries be removed immediately upon investigation. I have listed all of the creditors below that have violated the permissible purpose Section 604 under the FCRA [ 15 U.S.C. & 1681B ]. The below creditors have submitted a credit request without my permission & without my signature.
Consumer complaint received 2023-08-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JP Jensen Collections, LLC (CA)

Ive received a phone number from No caller ID and a male informed me that he was trying to deliver a court order and I asked and he gave me the information of the office that is attempting to collect the debut, I called the company and I explain that I wasnt living in the address or apartment that he is saying that Ive used that credit card ( XXXX ) I have moved since XXXX. The office representative didnt like or wanted me to give him information and he hung up the phone.
Consumer complaint received 2023-08-16
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. (IL)

I am so upset and freaked out about what is happening to my credit record and myself. Not only is it extremely humiliating, but it is obviously either your responsibility or the fault of the corporation for publishing this false information. Update to paid now or as promised and remove any annotations for late payments.
Consumer complaint received 2023-08-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc (NC)

Found out I missed a bill with XXXX XXXXXXXX. I never received a bill from this place and I told rep I would pay with company and when I tried to call back representative said could t assist me without giving all my information to representative. I have rights and if the bill is placed on my credit I will get a subpoena for everyone I spoke with on XXXX and sue EVERY individual I spoke with and this company.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

On or about XX/XX/XXXX I was notified that someone had compromised my account totaling about {$150.00} on 2 separate transactions. capital One called me and I was asked if these were my charges and I said no. 
My Social Security check had gone into my account via direct deposit around this time. Capital One has placed a hold on all my funds until XX/XX/XXXX. 
I have call numerous times and been on the phone with them for as much an hour and one half per phone call. 
I am on a limited income and need my money for my personal livelihood. 
Although the people at Capital One are sympathetic to my issue, they say their hands are tied. 
Please help me get my money.
Consumer complaint received 2023-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (OH)

After reviewing my credit report, I noticed this company has been illegally reporting information to credit bureaus without my consent ( Credit Utilization ). This is an invasion of my privacy and against the law. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 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. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2023-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (PA)

Reached out to the company to get a proof of contract as I feel I am not liable for this nor was I notified of any collection and would like this removed from my account FRONTLINE ASSET STRATEGI  Last reported XX/XX/2023 {$4800.00} Open balance XXXX XXXX XXXX XXXX  Original creditor
Consumer complaint received 2023-01-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XX/XX/15. Someone changed my Bank of America online username and password. They XXXX transferred XXXX from my saving account. I called in the fraud department and cancelled the transaction. Later they changed my user name and password again, made an transfer about XXXX dollars. I told the agent to freeze my account and not authorize any transactions. 
Same day, my XXXX account, someone changed my username and password, they transferred my money from saving account to the checking account, and trying to withdraw XXXX dollars. It was declined, but was not able to log in to my online banking. I wasnt able to follow Up if there is any further unauthorized transactions. 
XX/XX/15. Some one went to the XXXX XXXX and authorize an check of XXXX, it was pending, so the customer agent wasnt able to dispute the transaction. I was not able to access my online banking, couldnt see any more unauthorized transactions. 
Later, I realized that my phone number was stolen and I notified the company the phone number is associated with fraud activity.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX5 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"