davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-22
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. (NY)

On XX/XX/XXXX i sent a letter of dispute and an investigation request to the XXXX credit bureaus in order to remove incorrect informaiton as well as incorrect late payments reporting from my credit report. I tried once before to dispute online but i didn't know how to doa factual dispute. This time I did send them a copy of my XXXX bearues credit report and marked few inaccuracies for them to investigate. Each one of the credit bureaus opened an invastigation and closed it in a few days after without investigating at all. I decided to call each one of them to let them know that they didnt do any kind of investigation and they open a new one for few more days with unsatisfied results again. The XXXX burueas are violating my rights and breaking many FCRA laws by ignoring them completely. By law they have to report % 100 correct information in all XXXX bureas and if they don't then its ground for removal. I tried a few times to ask them and showing them the inaccuraies and the violations they have without a respound. On top of all that, they changed on one account the payment history, so mounts that were marked as paid before now shows " late '' and the other way arround. They add one more late payment on XX/XX/XXXX that wase n't there before so they made my situation worse. The credit bureaus stated that my account was properly investigated but how is that possible if on account # XXXX the open date is inaccurate, high credit is inaccurate, last reported date is inaccurate, date last active inaccurate and the date of last payment also inaccurate. On account # XXXX date opened, terms, last reported, last active and last payment also are incorrect and the payment history incorrect and inconsistent. They violating my rights under 15 U.S.C 1681 section 602 A states i have the right for privacy. 15 U.S.C 1681 section 604 A XXXX states : a consumer reporting agency can not furnish an account witout my written instructions. according to 15 U.S.C 1681 everything has to be % 100 accurate and i have the credit report showing inaccuracies. 15 U.S.C 166bA creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.
Consumer complaint received 2022-12-06
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. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$830.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX XXXX CT XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX FOR XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX  XXXX XXXX : {$830.00} XXXX  XXXX XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$680.00} XXXX  ( XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$4900.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX  GAS ) XXXX Balance XXXX {$200.00} XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXX Court : XXXX Bankruptcy XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-23
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: EQUIFAX, INC. (MO)

It appears that my credit file has been comes to terms. Again, I was going through my records & noticed many 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 & delete any items which are found to be opened due to identity theft. The disputed 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 from my personal files. 
XXXX XXXX XXXX XXXX XXXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX Bankruptcy Reference # : XXXX If you feel there is a possibility these items 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 items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim these items are 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 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

Chase falsely advertises my Chase loans, and they want them to work in a fraudulent way that is unfair to consumers as a whole. In my experience, I took out 2 different loans totaling around $ XXXX. The money was deposited into my bank account and everything seemed fine. Only though that wasn't the case, after 2 months I learned what they're really doing. If you continue to use your credit card as normal like 99 % of the world population. When you pay it off, ALL of the money goes towards your loan balance at the super low-interest rate and you're stuck with credit card debt. For me I NEVER carry credit card debt and never have, I took out loans for home improvement and Chase has conspired against me to make more money. I'm not sure I'll do business with them, I love my rewards card but this is anti-consumer. 

When I called Chase to fix this, the first line rep was completely useless and said it can't be wrong. I got transferred to an account supervisor named XXXX based out of XXXX XXXX Texas and within 5 minutes of her looking she told me my statement was wrong, she immediately reversed the incorrect interest charges and told me it would go to escalation and I would hear something back by Friday. Well Friday and the weekend passed and I never heard anything back, so on Monday I called Chase and got to the right department. I was told they can't view the letters being sent to me, and they're physical mail instead of email or through their messaging center. And that Chase just said the statement is correct and I have nothing I can do about it. So I told them they're fixing it or I'm filing a CFPB complaint and well it's very clear what happened next.
Consumer complaint received 2022-09-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Fay Servicing, LLC (GA)

Fay Servicing LLC. is reporting a mortgage debt on my credit that was discharged from my XXXX  XXXX bankruptcy case on XX/XX/2015. I have no personal liability to this debt. By Fay Servicing reporting this debt on my credit report is a violation of my bankruptcy discharge and has damaged my credit.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Upon reviewing my updates, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4800.00} ; XXXX  XXXX XXXX Balance : {$4100.00} ; XXXX XXXX Balance : {$600.00}
Consumer complaint received 2022-07-29
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)

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and Equifax and a status of CLOSED on XXXX. There is NO payment history on XXXX, the payment history for Equifax shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Consumer complaint received 2022-06-09
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. (AR)

Purchased a car and also there are some other inquiries that I do not recognize. They are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA. 

Thank you for helping me in this matter.
Consumer complaint received 2022-07-04
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: DISCOVER BANK (MO)

On XX/XX/2022, I mailed my dispute letter to Discover Bank ( see Exhibit A ) and have not received a Response. 
I need CFPBs assistance in resolving this matter because Discover Bank has provided two different addresses for disputes ( see circled items in the exhibits ). 
My complaint is that this Discover Bank account was never Delinquent and should never have been reported that way ( see Exhibits B and C ).
Consumer complaint received 2022-09-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

My my credit has gone up over 90 points and from a XXXX to a XXXX and I still can't receive a loan I still have the same problems and also they're still the credit reporting agencies are still making it hard for me to get access to my credit file there's something going on with my credit file you have made all these loan companies essential hard for me to get a loan or any kind of assistance. One place says I have fair credit the other says it's poor
Consumer complaint received 2022-09-26
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

I had a money transfer sent to my wise account on XX/XX/XXXX, which was due to arrive on XX/XX/XXXX, from an external bank account. 

The transfer was marked as being completed by the external bank, but it is still not present in my Wise account and this is now 8 days late. 

I have tried reaching out to their customer service on multiple occasions and provided them with numerous pieces of documentation, and still, they have done nothing- they keep saying it'll be " 1 to 2 more days ''.

The phone number they provide on their website for customers doesn't work and their chat is offline. They also don't respond on social media. 

They have provided NO WAY for me to have my issue resolved in any manner that is acceptable. 

There is no way for customers to get timely, efficient help with their issues. 

I have now looked further into wise and realized there are thousands of reviews from people having a highly negative experience with this company. 

It's a shame as I've used them for a number of years now. 

I would recommend all buisness owners to stay away from Wise- they can hold your money for up to 90 days without explanation - this can wreck small businesses.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (FL)

I opened my account with Wellsfargo on XX/XX/XXXX, with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX branch. 
On that day they wjere unable to enroll me in online banking, so I was requested to come back next day. Next day they had the same issue ( all the week ). After that I send and email to XXXX and I was requested to go again to the branch ( is not possible because Im not in the US right now until 2023 ). 
I need to have my credentials to use the online banking, or instructions to enroll.
Consumer complaint received 2022-06-09
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (TX)

I was recently a victim of identity theft and I think Chase has done a terrible job of providing any identity fraud services to help mitigate the financial loss to me or to chase. The identity thief tried to get a new debit card in my name with my information in an atattempt to gain access to the funds in my checking account. I was fortunate that I noticed an email from Chase buried in my gmail account. It was a miracle I saw and read this email. 

Any potential security breach should be brought to the attention to the acount owner by a phone call. Also, I am beyond angry that my acount has a fee charged for the issuance of a new debit card to the crook I have every intention of moving my busines from Chase. They should be ashamed of the poor customer service. The fee they charged me for the fraudulent debit card request is laughable. I am embarrassed for them. I will move my business to a financial instiuton that cares. 

XXXX XXXX XXXX
Consumer complaint received 2022-12-06
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: HYUNDAI CAPITAL AMERICA (FL)

In accordance with the fair credit reporting act my rights as a federal protected consumer has been violated. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 U.S 1681 c-2 15 U.S 6802 15 U.S 1681a- 2 Exclusions does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma (PA)

On XX/XX/2022 I received an email from Credit Karma Member Support that my XXXX  account was locked for a direct deposit made on XX/XX/2022. In the amount of {$390.00}. I started the direct deposit several months ago with no emails asking for ID or anything. The regular pay is XXXX, and Holiday and Overtime pay is more. 

Called Credit Karma Customer Services ( XXXX ) and was told that the matter will only be handled by emails. Replied to emails requesting that I receive a telephone call in this matter. Emails stating that my issue has been escalated with our higher level of support. Still no telephone calls. 

I opened this account with no ID, and have my direct deposits to this account with no ID. Now they wanted an ID. When this payment was first made they didn't lock my account, email me just accepted the payment. 

I used some strong words for them to respond to my emails. Because this is the second time they are messing with my account and it is costing me money. I had a payment for my insurance premiums to this account and had the money in the account. They stated that they were doing maintenance on the account at the time which made insufficient funds available. Was charged by my Insurance company a penalty.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. 15 U.S Code 1605 ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

XXXX. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX Account Number : XXXX Remove these inaccurate reported late payments. 

XXXX. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Consumer complaint received 2022-09-26
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. (DC)

I reached out to XXXX XXXX, Account # XXXX {$4000.00} at ( XXXX ) XXXX To verify the account and spoke to the representative XXXX ID XXXX and was told by her they don't have this account under my name and nothing showing in the system. 
This account is closet with amount that preventing me from my right of purchasing my home for my family its creating a problem for me I don't understand if they don't have this account under my name why they reported to the credit bureau it giving me bad credit and it against the laws. I need this account to be deleted all the credit report bureaus.