davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

About a year ago I started contacting Chase bank about a year ago. I had found out that there had been a checking and savings account opended up under my name. I went through the dispute process with Chase. They told me at the end of the investigation that If they found enough information that the account was not mine, they would be able to remove it from my credit reports, XXXX etc and then I would be able to open an account with them Fast forward after months of phne calls and emails with them. Turned out they did not hold me at fault for the account, but then back tracked that I could not be able to open an account with them. Also, I had reported to them that there was a chase credit card that was also opened up fraudluently under my name. I still have no heard anything back on that. I would like to be able to open an account with Chase like promised, and also would like to know what is going on with this credit card that I did not open.
Consumer complaint received 2017-09-09
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. (MI)

I 'm one of the 143 million American consumers whose sensitive personal information was exposed in a data breach at Equifax, one of the nations three major credit reporting agencies. I want to hold them accountable for negligence.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (CO)

I was called today several times from XXXX and they said they were looking for XXXX XXXX, I said that I was he, then the guy threw out a birth date and expected me to verify it. I had no idea who it was but when I said, what can I do for you, he said no it 's what I can do for you. You owe XXXX money! I said excuse me, I do not owe them money and he said yes I did and that I needed to pay it. I said no. But then he said I have been collecting debt from deadbeats like you since 1999 and you need to pay your obligation. I do not have any. I asked him to stop calling me as he was calling my private cell and he refused to do so. Then when I asked him to send me a signed contract he basically refused and said I will send you something. Something by law is not a signed contract. I do not owe his company DIRECT RECOVERY SERVICES anything. I do not have a signed contract with his company and I will not continue to be harassed by them. When I said you need to stop calling me he said put it in writing. Yeah okay, here it is, in writing an official compliant with the CFPB demanding that you cease and desist with all communication since you have violated the FDCPA by calling me when I asked you not to. I do not want anymore calls from you. I do not want any emails from you. I do not owe you anything so stop harassing me like you did today. You are a 3rd party collection agency and I do not owe you anything. Just because you bought a debt does not mean that I am contractually obligated to pay you anything especially when I do not owe anything to you. STOP CALLING ME
Consumer complaint received 2017-09-09
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)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2017-08-17
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)

XXXX XXXX XXXX XXXX XXXX is reporting on XXXX and Equifax a last reported date of X/X/2017 well past the discharge of the bankruptcy illegally and it is affecting my ability to get a home loan. They need to correct the date immediately.
Consumer complaint received 2021-06-23
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: BARCLAYS BANK DELAWARE (TN)

I have received an alert from credit wise about a couple of address being reported to my credit profile by XXXX. The addresses were ; XXXX XXXXXXXX XXXX  XXXX XXXX, NY XXXX And XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Reported to my credit profile by XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. 
I have never live or traveled to the above addresses. But Barclays Bank reported this address to my credit profile. When I tried to resolve this matter with the bank they kept asking me for the account information which I have no idea about. Previously by the complaint XXXX I was able to stop XXXX from intentionally reporting incorrect information on my credit profile. In the process I lost thousands of dollars because their reporting harm my reputation which led to extra expenses. They also scammed me {$120.00} out of my bank account. They werent willing to return my money or provide compensation for the harm they caused. Just because I dont have the financial muscle to fight them in the court of law. Now theyve gone the extra mile to cause more harm ( fraud ). Again by reporting incorrect information. If there is law and order out here XXXX has to stop ruining the life of a citizen. I call up on the federal and state authorities to stop this company from any further harm to the citizens of this country.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Due to inadequate security and monitoring measures, the company Equifax permitted my credit information and the credit information of my wife to fall in the hands of bad actors. This misuse of my credit information has caused worry, potential future fraud, and very likely identity theft by the bad actors.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XXXX XXXX, XXXX, Wells Fargo Bank legitimately withdrew {$9000.00} in response to a legal order. I have been working with the jurisdiction on the amount and will be getting a partial refund when Wells Fargo gets the money to them. I called Wells Fargo today to ask when the jurisdiction will get the funds and was told that the money did not go out until yesterday - XXXX XXXX, XXXX. That means that the bank sat on money that did not belong to them for 13 days before remitting. That is unreasonable. My expectation is the funds would be pulled on XXXX and a check would have been created and sent on XXXX. The jurisdiction would have received the funds and applied to my account by XXXX - XXXX. When I called this week and reconciled the charges, I would have a check on it 's way back to me.
Consumer complaint received 2017-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (TX)

Ad Astra has consistently sent documents to my address stating that I owe a debt to them and have not been able to validate the debt. Ad Astra Recovery is also not licensed or bonded by the state of Texas to collect on any type of debt as stated on the XXXX website. Ad Astra needs to send information regarding being bonded by the state of Texas. Until then, they can stop with the sending of contracts and contacting me stating that I owe a debt. This information needs to be removed from all 3 reporting bureaus if it is n't provided.
Consumer complaint received 2017-09-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PDQ Services, Inc. (GA)

On XXXX I contacted PDQ about a debt they had in their office. I disputed the debt and was threatened that this would be added on my credit report and ruin my credit and then I was hung up on. On X/X/17 I contacted the company again because they did just as they threatened and ruined my credit report by adding this as a collections. The manager threatened me once again and told me I was a liar before once again hanging up on me. His name is XXXX XXXX. The amount they claim I owe is {$1100.00}.
Consumer complaint received 2017-08-17
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. (TX)

These inquiries were not authorized by me I contacted the credit agencies but the items were not removed.
XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-09-09
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. (HI)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.
Consumer complaint received 2024-02-26
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. (CO)

I am rewriting to express my dissatisfaction with the inaccurate information present on my credit file reported by EQUIFAX. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX XXXX, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures. I have also attached the FTC report to support this compliant with the FTC report number XXXX for your reference.
Consumer complaint received 2021-09-01
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: CAPITAL ONE FINANCIAL CORPORATION (OR)

I was a victim of identity theft on XX/XX/2021. I was alerted by my credit bureau app that there was 3 new hard inquiries for credit card applications Capital One, XXXX, and XXXX XXXX. All of them have been removed and applications canceled except Capital One is still reporting to XXXX  that this is a true and factual Hard inquiry. I called Capital One the day the identity thief applied in my name and they assured me the application was cancelled, flagged as fraud and that they would alert all three credit bureaus to delete the fraudulent hard inquiry. I also filled out an Identity Theft report on the FCC website aswell. I want and deserve this item to be removed I have been through enough with this stressful event and hardship.
Consumer complaint received 2017-09-09
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)

Equifax has a duty to securely manage, protect, and maintain my personal information and the personal information of millions of other consumers. Equifax failed in its duty to protect my information and subsequently failed to publicly disclose its data breach in a timely manner to enable the general public to take additional precautions to protect their financial profile. Transparency and trust are required and Equifax is no longer a trustworthy business.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I have tried to get this resolved on several occasions. Equifax does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that XXXX is reporting the wrong information to Equifax. I have tried to do a dispute through XXXX and still have not gotten any resolution. This tax lien that appears on my Equifax credit report is an error. I have provided documentation to support that but they still refuse to remove it.
Consumer complaint received 2017-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

I deposited a check with amount of {$970000.00} into my Wells Fargo checking account on XXXX. The check was issued from my XXXX account. The money had already been deducted from my XXXX account on XXXX. But Wells Fargo informed me that they 'll hold the majority of the money until XXXX. I wo n't be able to access the fund for another 8 days. When I called them and ask why they hold the money for that long, they told me the money is at the XXXX XXXX XXXX for clearing. My feeling is that they already got the money and try to earn some free interest on the fund. It 's the bank 's greedy to prey on their customers.
Consumer complaint received 2017-09-09
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. (PA)

Learned about Equifax security breach through social media. Upon checking utilizing Equifax web tool to see if I was affected, was told that I was affected. News site XXXX ( XXXX XXXX XXXX ) states that my name, social security number, birth date, and addresses were exposed to criminals, information that is unique and unchangeable and thus may be used to exploit me for the indefinite future ( XXXX XXXX XXXX ). Had to spend my limited free time signing up for a fraud alert through XXXX.
Consumer complaint received 2017-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (TX)

I have tried to get this resolved on several occasions. XXXX does nothing with the dispute process. I have written letters and still have not gotten any resolution. I have been informed that LexisNexis is reporting the wrong information to XXXX. I have tried to do a dispute through LexisNexis and still have not gotten any resolution. This tax lien that appears on my XXXX credit report is an error. I have provided documentation to support that but they still refuse to remove it.
Consumer complaint received 2024-03-08
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

I received email today, saying I opened a new account with Chime, and trying to setup direct deposit and apply for chime credit card. I can see the name and the direct deposit infos from the email. It is for another person. 

I called immediately and asked to close this fishy account. Because I don't believe you can open a bank account with another person 's email address, without access to the email account and identity theft intention. 

The customer service turned down my request and saved many of my personal information, like date of birth, name, phone number, etc, but just updated the email address to another random address he made up.
Consumer complaint received 2017-09-09
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. (AZ)

I believe my identity information was stolen through a breach of security on part of Equifax Inc. Their new website, www.equifaxsecurity2017.com, reports that " based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Consumer complaint received 2017-09-09
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. (NV)

During the period of XX/XX/XXXX through XXXX 2017, Equifax allowed consumer data to be compromised and accessed by unauthorized parties. Due to the security breach, my social security number and other personal financial information have potentially been proliferated into the possession of scammers and criminals. A company whose business is to keep record of your financial history has a duty to safeguard that information on behalf of the persons from whom it is collected. Equifax failed in their responsibility, inevitably causing material financial harm to those effected.
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I have no outstanding debts with this company or any credit institution they claim I owe money to. I urge authorities to take action against this company or consider shutting them down. Their tactics prey on numerous victims through deceptive threats of owed debts.
Consumer complaint received 2021-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

On XX/XX/XXXX ; I made complaint with the CFPB : After over 20 calls to Lender, I can not seem to get any attention from Fifth Third Bank. I have a XXXX owned loan on my home service by Fifth Third. I entered the Forbearance program at the beginning of the pandemic when it was offered. I was able to miss 6 payments but I made 3 of the 6. The Bank and I elected to add the missed interest ( it's an interest-only loan ) payments to the end of the loan ... .and normal payments were to re-start on XX/XX/XXXX. Fifth Third charged my for an payment in XXXX incorrectly as it was still part of the forbearance period. Their own correspondence agrees with this date. I've made all of my regular payments since XXXX. Not only does the Bank list an erroneous payment ( that was part of the forbearance period ) ... they have now reported it to the credit monitoring agencies and are harrassing my by mail and phone. I believe this to be FRAUD. If they would only spend a little time on this ; they would find out their mistake as it is clear in their correspondence. They are trying to collect 13 payments on this loan in XXXX. 

The Loan officer assigned this loan never returned my have dozen calls in the last weeks. Yet, the Bank officers I was able to speak with agreed the Bank was in error. Fifth Third responded to the CFPB complaint but not to me : the customer. After making all of my payments on time since the end of my deferral period ; the Bank has returned two of those payments ( as their servicing system can not catch up with the solution to this issue ). I have only received one of those refunds and NEVER CASHED THE CHECK ... so the payment is still at Fifth Third. I will NOT cashed the second returned payment if/when I receive it. This mortgage is current and on-time. The Bank, WITHOUT my request or authorization, has processed a further Deferral on my Mortgage. I neither asked for that nor will I accept it. I believe Fifth Third remains in a Mortgage Fraud situation and they could resolved same but just communicating with the customer on any of the calls I make almost every day!!
Consumer complaint received 2017-09-09
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. (TX)

Basically my personal information such as my credit history, account numbers and more importantly my social security number has been compromised. 
I have already set a credit freeze for any future credit cards that could be opened and I also have enrolled or will enroll on my enrollment date with equafax.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (TN)

Barclays Bank denied me a XXXX XXXX based on a XXXX XXXX XXXX XXXX issue I had with them. My XXXX has been perfect for XXXX years and I have an XXXX XXXX XXXX having missed no payments or other XXXX issues for XXXX years.
Consumer complaint received 2017-08-17
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NV)

On XX/XX/XXXX, I had paid off my mortgage at a local branch of the servicer of the loan XXXX XXXX where I held a {$100000.00} money market account and paid XXXX to pay off the mortgage. The original lender was XXXX XXXX XXXX. In XX/XX/XXXX Wells Fargo called me to inform me I was in default on my loan and said they had purchased it from XXXX  XXXX. To make a long story short I was not able to resolve the problem to prove the pay off and for several years I paid Wells Fargo between 40-50,000.00 dollars in payments and they foreclosed in XX/XX/XXXX on a mortgage they did not own. I also had a checking account that they seized for a debt that I owed them 10 years prior. Then 6 years later I was returned the {$7500.00} they seized by the Nevada State Treasurer as unclaimed property.
Consumer complaint received 2017-08-30
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. (NC)

I have disputed these two accounts twice XXXX XXXX and XXXX XXXX because they are not licensed to collect in my state they have sent report saying verified as accurate which mean they did not investigate these account correctly