davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-08
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. (IL)

Im disputing XXXX Account # XXXX. The reason for the dispute is because I requested directly from the Furnisher XXXX XXXX on the date of XX/XX/2018 for validation of debt. They failed to provide that information in the proper time frame of 30 days. Also the proper repossession paperwork has still not been produced to me. Im in the process of failing a claim with the Attorney General Office and also filing a lawsuit against XXXX XXXX if they will not comply with my request for the violation of my rights. Now the problem Im having with the CRAs are as follows. According to the FCRA RULE 623 ( a ) ( 3 ) the furnisher must Report to the CRAs items are in dispute by consumer. On my credit report XXXX didnt report this information so this is violation number one. On my credit report it reports different open dates for the same account to each CRA. This account also report different month terms between each CRA. High credit balance is different for each CRA. Last reporting date is different for each CRA. Also date of last activity different between each CRA. Last payment different as well. Furnisher rule 660.4 ( e ) says inaccurate date and payment activity and account activity is a violation. This account has to be removed by the CRA because this is beyond just a validation of debt by furnisher issue. The furnisher kept very poor records I have all supporting and necessary proof and paperwork to support my claims. If you as the CRA continues to report these information. The CRA will be willfully and knowingly reporting inaccurate information. Which is violation FCRA ACT section 1681s-2 ( a ).

Attached documentation are as follow CFPB first dispute to XXXX XXXX. 
Follow up letter to XXXX XXXX from me. 
Credit Report showing the inaccurate information.
Consumer complaint received 2018-09-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

Wells Fargo is denying us a loan modification, they will only agree to a short sale. My husband and I will be filling paperwork with the Attorney General office to attempt to avoid foreclosure. Prior to our mortgage ballooning 17 months ago we were never behind in our mortgage for 10 years. WF continues to deny us being that our income doesnt meet the qualifications for new mortgage. Our income is more now than it was when we purchased our home. We know now that after 10 years we were sold a home that we did not qualify for in the beginning. Why should we now suffer due to being scammed? Please help us with this situation.
Consumer complaint received 2018-09-08
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed in buying a car that was stolen.. was making false payments and was asked to use cashiers check. 

Wells Fargo is still displaying foul practice even after being loyal for 10 years.. discrimination and robbers.. theyre own employees do wire fraud
Consumer complaint received 2018-09-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2018, i saw an unauthorized transfer from my checking account to an unknown number for the amount of {$1000.00}. I immediately went to the chase bank closest to me and tried to stop the transfer. The person who helped me called the fraud department and tried everything she could to help me stop the transfer which couldn't be stopped. The fraud department assured me they would conduct an investigation regarding the transfer, advised me to close my account and open up a new one and in the mean time they would provide me with a credit. A few days later i go to the bank and ask about the investigation and the credit, and they informed me that they didn't find any fraud activity on my account, which meant i wouldn't get my money back. Even though I didn't authorized this transfer and did a police report for grand larceny. I tried multiple times to fix this problem with the bank and the claims department. One time i even had a super visor tell me that i had to proof that the transaction wasn't me. Please i am in need of your help, that money was a refund check i received from the government to buy my books for the semester, and now I do not have the funds to buy any of my books.
Consumer complaint received 2022-07-22
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. (NM)

It has been drawn out into the open that you are not hindering records when I sent a copy of 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (MN)

Still waiting to receive unemployment benefits when I choose to use the unemployment debit card the ReliaCard on the screen that pops up I had already been issued an unemployment card on a previous account and that's where my payments would be issued an. And also told me to call the number immediately and I did and the lady I spoke with said I didn't have a card issued to me ever so I need to either they figure out what the previous account was and closed it cuz I've never gotten unemployment benefits before this is my first time and reapply for a new one or something.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

ALL 3 " CRA '' FAIL TO SEND COPY UPON REQUEST IN WRITING OVER 45 DAYS AGO ... ID WAS ATTACHED WITH REQUEST LETTERS SENT ON XX/XX/2021
Consumer complaint received 2019-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP (NY)

On Sunday XX/XX/2019, I have made an ATM deposit at a sterling bank in XXXX on XXXX XXXX and XXXX XXXX. I deposited {$1300.00} but I put in the envelop and also keyed in {$1200.00}. I called the branch first thing monday morning the person who answered the phone told me not to worry once they removed the envelop from the machine and count the money they will make the correction. she did not ask me for my account number or any orther information. That did not sit well with me I called back the second person told me the same thing but said by tonight you should see the correction but still did not take my information. I call the next day when I saw the correction was not made. the person I spoke to finally took down my information she check the account and said what ever was found in the envelop was deposited. she said she was going to speak to a supervisor and will call back. she call back stating she was told they found 18 {$50.00} bill and 15 {$20.00} bill, I told her that I knew 100 % that I had {$1300.00}, she just said sorry. a few minutes later the assistant manager called to say she counted the money herself and it was {$1200.00}. I asked if she was the first person to count it she hesitated and said yes than she said sorry darling I asked her to speak to the manager she said I am the assistant manager and hang up. I called the bank head quarter they said to deal directly with the bank. I sent the bank manager an email no response,. I file a complaint with the bank complaint dept no response. It is not about the {$100.00} it is about not being able to trust people in a company that is handling my finances. I am very sad to know for a fact that my {$100.00} was taken and people can be so dishonest specially when those people are handling my hard earn money. I know it is my word against them but I know the truth and whoever open the envelop first knows the truth.
Consumer complaint received 2018-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (TX)

The lease was open on XX/XX/2018 and paid off on XX/XX/2018. My name is XXXX XXXX. The company of the lease is Acima Credit FKA XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX.
Consumer complaint received 2018-09-07
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)

In XXXX I was trying to get another XXXX XXXX  to report what my correct high credit limit was and current outstanding balance to get updated as I had paid it down. I could not get XXXX nor Equifax to show my historical limit was higher than was reported and disputed that account # XXXX 1st # s. By mistake Equifax/XXXX deleted a different XXXX account from my credit report. I had a XXXX XXXX with XXXX  for over 10 years with the last payment being made in XXXX of 2015. This account had a limit of {$13000.00}. I Closed this account and paid as agreed. For some reason Equifax and XXXX dropped this card from my credit history. I HAVE NEVER DISPUTED THIS ACCOUNT as is it is mine and had a XXXX balance when I contacted my creditor/XXXX XXXX they said they NEVER delete accounts from credit reports. I asked that Equifax put the account they removed back on my report and they said they can not because XXXX is the one that deleted the card. XXXX told me Equifax has it on my older reports and should accurately report it XXXX can not do anything about reporting. I have proof of this card and that XXXX was reporting it now they will not put it back on my report and it has damaged my credit score.
Consumer complaint received 2022-07-22
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 appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}, and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$11000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (LA)

RE : Synchrony Bank, and " nefarious enrollment practices. '' In XXXX I opened a Synchrony credit card account at my dentist office. It was explained to me, by the staff at the Dentist 's office, that I could pay my bill with a synchrony credit card, they could open the account for me. This account, they explained, would allow me to make a monthly payment on the loan which would be interest free for 18 months. 

Once I was signed up, Synchrony give me a minimum monthly payment, {$100.00}, and said - the website said - that as long as I paid it regularly without missing a payment I could maintain the interest free promotion. For 18 months I made this a payment every month and had no interest on my loan. 

In XX/XX/XXXX the balance was {$620.00}. 

That was the end of the promotion. 

I just now realized at the end of the promotion, Synchrony did not start charging me interest on the remaining balance. 

They retroactively charged me interest on the entire 18 months Ive had a balance. {$890.00} in one single charge for back dated interest.

At no point in the process of my enrolment was it explained or suggested that the promotion was a countdown -- you had 18 months to pay off the loan, after which you would have to pay interest on the loan from day 1.

I thought I would start paying interest on {$620.00} but I was charged for the entire loan ( I think it was XXXX dollars but I don't have that information right now ). 

I called the bank and spoke to a customer service representative, she then put me in touch with a manager. His name is XXXX, when he explain the situation to me I was so flustered I neglected to write down the exact word used for this retroactive charge. It was not backdated. '' But it was a similar sinister and deceptive phrase. Alarming! 

I inquired where the bank was located and XXXX said, or CLAIMED I should say, that the bank had no physical presence. When I asked where it was incorporated he said that there was no actual physical place where the bank could be contacted. This alone is clearly a falsehood. The bank is headquartered in XXXX Connecticut. 

I see from XXXX that an earlier incarnation of the bank was caught in just such shady practcies : " the U.S. Consumer Financial Protection Bureau and the Department of Justice reached a {$220.00} XXXX settlement with the company after it entered into a consent decree with the Consumer Financial Protection Bureau. The settlement stated that while operating as GE Capital Bank, the company had engaged in deceptive and discriminatory credit card practices, primarily surrounding nefarious enrollment practices for add-on programs such as financial hardship relief. '' The entire press release from XXXX is attached. 

I am writing to complain about a " nefarious enrollment practice, '' circa XXXX.
Consumer complaint received 2023-02-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NY)

Opened a 12 month CD on XX/XX/XXXX and it was funded for {$5000.00} by a transfer from an external, verified by Marcus, savings account at XXXX XXXX. The funding occurred on XX/XX/XXXX and I saw the XXXX in my MarcuXXXX account that night. On XX/XX/XXXX I tried to log into my account to open a second CD. My account was locked. I spent hours on the phone with Marcus customer support people. They told me both my CD and my credit card had been closed, but for safety reasons they would not disclose why that happened. They refused to tell me how/when I would get my money back. I waited until the weekday, business hours to call again to get my money returned. Many hours of time with numerous reps who were totally unhelpful and frequently dropped my calls while I was on extensive holds. I was finally told my money would be returned to my external account in 8 to 10 business days. That never happened. On XX/XX/XXXX I called again and after more time, more hold etc I was told by XXXX my money would be returned in 1 to 3 business days. That never happened. On XX/XX/XXXX I again called and spent more time ( same story ) with XXXX who after many holds was able to help me. She said the money could not be returned because they could not verify my external account, the very same account they took the money from. At one point I was on a conference call with XXXX, XXXX, myself and a rep from XXXX to verify I was the owner of the account the money came from and was to be returned to. XXXX then verified some info, read me a legal paragraph basically confirming the amount, date of transfer etc. I then asked to speak to a supervisor and was transferred to XXXX. She confirmed XXXX had closed the account correctly and told me she would accelerate the XXXX return and I should check my account that night XX/XX/XXXX. Its now XX/XX/XXXX and I still do not have my money back. 
I do not even care their reason to close the account. I simply want my money returned to me. I am closing my Credit Card with Marcus, and after the return of my CD money i will close my Marcus account. I want NOTHING to do with Marcus going forward
Consumer complaint received 2023-02-21
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. (MI)

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$900.00} ; XXXX XXXX XXXX XXXX  Original Creditor : XXXX ) XXXX Balance XXXX {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$3000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; 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 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 2022-08-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (PA)

Sent a payoff check to the company. Sent certified mail. Check was delivered, they lost the check. Not willing to assist or do anything to find it. I was willing to do a stop payment and pay by phone, if they were willing to compensate for the stop payment since they lost it, the cost to send the certified check, and the per diem cost I have incurred over the last 10 days. They said no. They lost my information and a XXXX XXXX check. My banking information has been exposed, my money has been put at risk, and they refuse to take responsibility.
Consumer complaint received 2018-09-07
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SRA Associates, Inc. (NJ)

I have been contacted, interrogated and harrassed daily and numerous times a day and by a collection agency, SRA Associates located at XXXX XXXX XXXX, XXXX, NJ The phone numbers they are calling from is XXXX, XXXX, XXXX amongst others I can not retrieve The debt they claim I owe is for XXXX XXXX for a balance of mileage on a previous lease. I have never received a letter from this company however I do acknowledge the debt. I offered to pay {$50.00} per month and a man named XXXX refused to accept. He has repeatedly called my phone, my daughters ( who was a cosigner at the time ) and her husbands phone as well every day, several times per day. 
I am dealing with my sick husband at this time and can not deal with this harassment any further therefore would like to file a compliant. I have no problem trying to resolve this debt but will not tolerate the abuse and poor way I have been treated
Consumer complaint received 2018-09-07
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 (TX)

My name is XXXX XXXX and I have received a letter stating that my claim has been denied because there was a similar claim last year. I do not agree with the decision as I am a victim of identity theft and two of my credit card lost/stolen within past 6 months. I know I had lost my card last year but this isn't the strong base to deny my claim. As you can see that I didn't even use this card as much throughout the year and all of a sudden there are hundreds of transactions charges in only one moth. 

Any and all of the transactions that were made from XX/XX/2018 thru XX/XX/XXXX or XX/XX/2018 are fraud and were not authorized by me. I would like to request the proof or documents of the investigations. Also, I would like to request to re-open and reinvestigate this claim as this is not fair with me to be reliable of paying for such a big amount which I never made transactions of. ( Totaling {$8800.00} ) I am not willing to pay a penny towards these fraud charges as I never authorized those transactions. 

Wells Fargo already have cases against them for not being reliable and I am so disappoint on both incidents. I never received a call or text when all of these fraud charges were made. 

Please contact me for any concern/questions at ( XXXX ) XXXX or via e-mail at XXXX. 

Regards, XXXX XXXX
Consumer complaint received 2021-11-05
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)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to Equifax on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law?