davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair credit report act XXXX 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 a account without my written instructions.
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letter to the credit bureau 's to notify them of some addresses that don't belong to me and as of today XX/XX/2021 I have not received a response from the bureau 's nor have these inaccurate addresses removed which is believed to be a result of identity theft. I am writing to you because identity theft is a very serious matter and I would like to protect my credit report from any other fraudulent accounts and inquiries.
Consumer complaint received 2021-03-23
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Having researched and found the owner of XXXX XXXX XXXX in XXXX, California I was offered an opportunity to buy the property for approximately {$600000.00} ; an estimated market rate for the derelict property. According to the owner, the house was purchased from a XXXX XXXX named XXXX who was starting a business and it seemed right to sell to a XXXX who attended XXXX and was trying to start a business. Despite the owner 's repeated attempts to sell me the property, the XXXX XXXX Wells Fargo refused to.return my phone calls and merely ignored the requests of the owner and myself. Therefore I filed a complaint with the CFPB and Wells Fargo responded. In their response, they promised to notkify me when the property was ready for sale. Not.only did they fail to.notify me, but they sold it based on fraudulent financial data and the purchaser was convicted criminally. The property has been renovated and is now actively listed for {>= $1,000,000}. I lost out on potential earnings of {>= $1,000,000}.
Consumer complaint received 2022-04-15
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)

N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-03-23
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. (TX)

Please remove All Authorize user accounts off my credit and the address that is attached to it these are not my accounts. It has been over 70 days when I reported this information I would like it removed or I will have to file for litigation
Consumer complaint received 2021-03-23
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. (TX)

It has need over 60 days and the information has not been updated. Please remove the negative information that is not verified or I will have to file for litigation. I filed in XX/XX/2021 and no updated information yet
Consumer complaint received 2021-09-10
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: BARCLAYS BANK DELAWARE (CT)

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CARD Account Number : XXXX This is not mine.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (TX)

This account with CREDIT MANAGEMENT is reporting on my credit report this account doesnt belong to me I sent them a investigation request letter to prove this account, belongs to me, which it does not, and I havent heard anything back. I would like for this to be removed off of my credit profile. $ {$2000.00} in a second account for {$450.00} this account doesnt belong to me please remove them
Consumer complaint received 2021-03-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MD)

I have been unable to log into my account for almost a year. They are non-responsive to email/message/phone calls. I have been locked out of my account, and I need it to be unlocked. My email associated with this account is XXXX I had to open an additional account because the other one was locked. Please unlock the XXXX one.
Consumer complaint received 2022-08-11
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. (MN)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (WA)

I have used USBank for ten years without much issue. USBank had enrolled me into an overdraft protection program which I never authorized. In XX/XX/2021, I was out traveling and forgot to put money in my checking account and my balance hit negative. I was unaware and kept using my debit card for small transactions like coffee. The majority of these transactions are below {$10.00} dollars. Instead of declining these charges, USBank charged me a series of Overdraft fees, each of them {$36.00} dollars. In the end, the total overdraft fees ended up being {$360.00} for over a couple of days. They waived 3 of them, bringing my loss down to {$250.00}. I complained to them that since I never signed up for overdraft protection so they should have just declined the transactions ( so I can use another card ) and not charged me these overdraft fees, to no avail. Talking to their customer service, they never offered an option to opt out of their overdraft " protection '' program. They offered some even more predatory protection options which I declined. I opened a complaint with CFPB to resolve this issue. US Bank sent back a PDF to show that I indeed never signed up for an overdraft program but did not refund the overdraft fees. 

According to https : //www.occ.treas.govXXXX Financial institutions may assess fees for paying ATM or one-time debit card transactions pursuant to an overdraft protection program if the following conditions are met : The institution provides the consumer with a written notice ( or electronic notice, if the consumer agrees ), segregated from all other information, describing the overdraft protection program ; The institution provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the program for ATM and one-time debit card transactions ; The consumer affirmatively consents, or opts in, to the payment of ATM and one-time debit card transactions ; 5 and The institution provides written confirmation ( or electronic confirmation, if the consumer agrees ) of the consumer 's consent and includes a statement informing the consumer of the right to revoke such consent. 

US Bank has not provided with a written or electronic notice describing the overdraft protection program. It did not provide a reasonable opportunity for me to affirmatively consent or opt-in to the program. I have never affirmatively consented to enroll in their program. 

Thus by forcing me to enroll in such overdraft protection program, I believe US Bank have failed to comply with Federal Trade Commission Act ( FTC Act ) standards.
Consumer complaint received 2021-03-22
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I recently filed a dispute with the credit bureaus regarding inaccurate information reporting on my credit report. I disputed a public record that contain inaccurate information. I received letters that the information was verified and to contact XXXX XXXX XXXX. 
after a thorough investigation, the public record has been removed and deleted from my XXXX profile. XXXX initiated a dispute on my behalf and have not gotten a response back from the credit bureaus. 


chapter XXXX bankruptcy- XXXX
Consumer complaint received 2021-03-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XXXX of XX/XX/2021, PayPal did send me an email requesting me to provide information since the account was TEMPORARY limited until I present the documents requested. 

On XXXX of XX/XX/2021, I provided all the information and documents requested that is National ID, Bank Statements, Proof of address and information on my account activity. 

On XXXX XX/XX/2021, my account got PERMANENTLY limited by PayPal despite providing valid and sufficient documents and information requested one ( 1 ) day earlier.

At the time of closure my account has a total balance of {$140.00} which I can't have access to until 180 days have elapsed.

I have tried to reach the company via their official XXXX handle and direct calls with no avail. Upon checking on the Resolution center, they said the decision was final.
Consumer complaint received 2022-04-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair credit report act XXXX 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 a account without my written instructions.
Consumer complaint received 2022-10-14
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 (IA)

My deceased ex wife had a Barclays card. Before her death, I was none the wiser. At the time of her death, the card appears on my credit report. I have pleaded with all 3 credit bureaus, Barclays, etc for 3 years to have this removed. No such luck. 
My credit went from above XXXX, to sub XXXX because of this. The banks treat me like a 3rd class citizen. For the record : I do not have a credit card, a loan other than my mortgage, or any other loans. Nobody will move on this case. I have tried everything. 



Recent Letter to Barclays : FCRA Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Please Refer to Account : ( last four ) # Case # Barclays : ( XXXX ) XXXX Att : My name : Deceased Ex Wife : My credit report shows I am wrongfully on a Barclays credit card. Prior and after my divorce, my credit score was above XXXX. After the death of XXXX XXXX XXXX, my credit score sunk to sub XXXX. This is not my card. It belongs to a deceased ex-wife. For the record, not my card. 
I have been working on being removed for three years. I have had multiple promises from Barclays that I would be removed, none of my requests have been granted. For sure this is still on XXXX. 
My credit has been ruined from your card on my credit report. I have wasted hours, days, months, and now years arguing with person after person with Barclays. All to no avail. The Pain, suffering, and emotions distress that Barclays has caused me can not be described. 
I am requesting and demanding the removal of this card from my credit report. 
The 3 major credit bureaus have been contacted, and I have time after time been sent to Barclays.

1 : it was not on my credit score until the death of my ex-wife. 
2 : It was not on my score when she was still living. 
- While we were married, divorced, or she was alive, I was not on this card. After her death, I am not responsible? 
3 : I have never been sent a statement for this card. If I am on a card, or the card has a balance, how can I know without a bill or statement? 
Barclays did not seem interested in my credit report or the card being assigned to me until the time of her death. 
CC : FTC, the OCC, and the CFPB Sincerely,
Consumer complaint received 2022-08-11
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: EQUIFAX, INC. (PA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-13
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)

Equifax, XXXX, and XXXX continue to report inaccurate and incomplete information across their reports. Their information should be consistent across all three agencies and its not. Im seriously thinking of hiring an attorney because this is a clear violation under the FCRA.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (ID)

I deposited 14 checks into the atm for a total of {$73000.00}. The atm malfunctioned and took the checks without applying the checks to the account. This occurred on XX/XX/2021. Today is XX/XX/XXXX and my account still hasnt been credited the checks. 

I called and filed a claim with Wells Fargo right after it happened on XXXX XXXX. I have called the claims department several times since then and I get a different answer from every person I speak with. 

As of now, the bank hasnt deposited the checks and told me it can take up to 90 days. Nobody knows where the checks are and I havent received a confirmation of the location of my checks!! 

They stole my checks and are doing nothing and have done nothing the last two weeks to make it right.
Consumer complaint received 2020-10-05
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)

Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2021-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST (WA)

Bank required {$1000.00} in direct deposit for 3 months. {$1000.00} in direct deposits were made to the bank for 3 months. Award was meant to payout in XXXX. 

XX/XX/21 : Sent message through online portal, no response. 

XX/XX/21 : Called main Bank of the West line ( XXXX ), transferred to local bank, who said they will " look into it '' and send an email the following day, received no further communication.
Consumer complaint received 2023-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (DE)

I initiated a payment with Nelnet on XX/XX/23 in the amount of {$680.00}. The payment was withdrawn from my XXXX XXXX checking account on XX/XX/23. I have provided Nelnet with the bank statement and Nelnet payment confirmation email. The payment was no applied to the student loan as instructed. I have contacted Nelnet every day from XX/XX/23 to XX/XX/23 and have been told either someone will call me eventually or they have no record of my payment. It is important to note I canceled a payment of {$680.00} on XX/XX/23, as I keyed in the incorrect amount. I proceeded to initiate another payment ( the one in question ) for the correct amount of {$680.00}. After submitting documentation via email multiple times, Nelnet is stating to send in the documentation again. I am making no progress with Nelnet. Nelnet is also asking me to provide Personal Identifiable Information ( PII ) such as my name, date of birth and account number via email. This email is not secured and sending PII through unsecure technology is not a recommended practice. I am asking that Nelnet fix the error at hand and apply my payoff to the correct loan.
Consumer complaint received 2021-03-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (IN)

I have confirmed I have not provided authorization for Navient to auto-dial or robo-call my cell phone. Despite this being noted in my profile information I have received numerous phone calls from Navient, which upon answering, a followed by long pauses before the representative responds to me answering the phone. These calls have occurred from XXXX and were received on XX/XX/XXXX at XXXX, XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX in recent call history from my cell phone. I consider the frequency of these calls to be harrassment considering my account was less than 30 days late and would like their business practices investigated.
Consumer complaint received 2021-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2021, {$1500.00} was fraudulently withdrawn from our CitiBank NA checking account, appearing in our account as 5 withdrawals on our CiitBank debit card for {$300.00} each. These withdrawals were made by unauthorized use of the debit card, illegally obtained by a third party. Within an hour of these withdrawals, they appeared in our account, and we immediately attempted to notify CitiBank to report them as not made by us. We were on hold for ninety minutes. When we were finally able to report the fraud, we were told that the funds would be restored to our account within ten days, and that there would be an " up to 90 day '' investigation. After ten days, we were informed that the funds could not be restored. CitiBank could not determine fraud, as the withdrawals fit our pattern of use. We had rarely used our CitiBank debit card to withdraw cash, and never for more than $ XXXXAfter several complaint calls which were shuttled to several departments, we were told the case would be re-opened, and that a police report would help our case. We filed a report with The XXXX XXXX police on XXXX XXXX ( attached ) Checking the account daily, we discovered that the {$1500.00} had been restored to our account on XX/XX/2021 with no notification or communication from CitiBank. With funds restored, along with what had remained in the acccount subsequent to the incident, we wrote a rent check for {$1600.00} on XX/XX/XXXX, and submitted it to our landlord on that date. Checking our account on XX/XX/XXXX, we saw that the check had not been posted as deposited or cashed by our landlord, Then, also on XX/XX/XXXX, there were 5 bank debits posted for {$300.00} each. There was no communication from CitiBank. When we called to inquire about the debits, we were told that the " available '' funds that appeared in our account were " provisional '' and had apparently been taken back. We had to subsequently inform our landlord to hold off cashing our rent check until we could get this straightened out, Citibank has made a mess of this, and it's just wrong..