davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-26
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. (CA)

XX/XX/XXXX I was notified that my info was breached in the EQUIAX data Breach and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of 3 credit bureaus have complied and has been going on almost two months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft Affidavit and the EQUIFAX Claim settlement forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The 3 bureaus continually still shows 3 different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted. 
I have enclosed FTC AFFIDAVIT to request the erroneous errors be removed. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$6200.00} XXXX XXXX {$2100.00} XXXX XXXX {$3100.00}
Consumer complaint received 2022-08-24
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)

The credit bureaus have ceased to uphold their legal obligations and have ignored my written requests for the disputed accounts in my file to be corrected. I already asked the Credit Bureaus to reexamine the disputed accounts from my credit record and temporarily update these accounts from my report throughout the investigation time in a letter that I sent on XX/XX/2022. The Credit Bureaus have not responded to my request as of this date. The Credit Bureaus are required by law to conduct their inquiry within 30 days of receiving my letter and to provide a response within 5 days of the conclusion of their investigation. The requirements of the law have not been upheld by the Credit Reporting Agencies. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unverified information without offering any justification within the legally required time range. The following accounts must be immediately corrected : XXXX : XXXX XXXX {$230.00} Equifax : XXXX XXXXXXXX XXXX {$280.00} XXXX : XXXX XXXX {$230.00}
Consumer complaint received 2022-08-02
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: WELLS FARGO & COMPANY (NJ)

I have disputed a fraudulent account ( WELLS FARGO XXXX ) multiple times and yet somehow this account continues to report on my credit. I am requesting the removal of this account form my credit as it was opened by someone other than me. Please see the Federal Trade Commission report that I was advised to file by my attorney. THIS ACCOUNT is FRAUD AND YET IT CONTINUES TO REPORT!
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i would not have let that happen. XXXX broke our agreement The CARES Act. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during COVID 19 crisis. I made an agreement with XXXX XXXX for payment relief before i fell behind the CARES Act Requires that the creditor to report your account as Current and good standing
Consumer complaint received 2022-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc. (AZ)

I purchased a bus ticket from an online vendor received the ticket in my email It was to go meet my family for a holiday in California I showed up to the bus station early that man working behind the counter pulled up my ticket what not and told me that the company had overbooked it and there was no seating for me available he said it happened to 2 other people that were waiting there as well I tried everything I could dare to get another ticket or anything there was nothing they could do I ended up missing most of my family 's vacation I had to purchase a plane ticket 2 days later XXXX to go up there I contacted the company and they were telling me no refunds Is there policy and what not but I mean I have emails I have picture proof a few different ways of proving that I was there and was not allowed on the bus my bank has been so unprofessional I've contacted them every week for the last 4 months Trying to get an update any information Yeah generic response but have told me every step of the way that it would be resolved by the 90 day mark the regulation dictates they have to have it doneBy then so then once we approached it on the day mark they just started ignoring me and then once we passed the 90 day mark I couldn't get no responses except an occasional generic response will now we're at a 110 days and today they emailed me just to tell me that they denied it because the online vendor of the ticket said that they don't offer refunds or exchanges exchanges well I was not allowed to board the bus and what am I supposed to do about this my bank has been horrible manI requested XXXX XXXX XXXX they're answered to this and they're ignoring me still I've tried everythingIt 's only {$62.00} but man I'm a single father of XXXX kids I need it
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A. (OH)

I was trying to sell our couches on XXXX XXXX I will admit I shouldve been more cautious but Ive been very sick and trying to take care of my XXXX XXXX XXXX so Ive been struggling with money more than usual.. a man reached out to buy them. He asked for my XXXX info ( which I knew I had but Im not very tech savvy or familiar with the app ). I gave him just my email and name. He claimed he sent the money but the funds were on hold until I verified the email. I did receive an email from XXXX that looked legitimate. ( I attached images of the emails. ) But it said there needed to be a double transaction to the account and an additional payment from the buyer for the verification and upgrade of the account. Then after he supposedly paid that, I received another email saying it was confirmed and I just needed to refund him in order for it to come through to my account. I feel like Id typically be more cautious of these thing but being in a pickle for money lately I guess I may have let my guard down.. It wasnt until after I sent the refund of {$300.00} that I received an addition email for further verification and I needed to send another {$500.00} Thats when i became skeptical and called my bank and found out that XXXX does not have those restrictions but there was nothing they could do since it would appear as a verified payment on their end so Im grateful I didnt send any more money, but getting scammed of {$300.00} is still pretty detrimental to my son and I right now.
Consumer complaint received 2022-09-29
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 Reporting act XXXX # 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 15 U.S.C 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
Consumer complaint received 2023-01-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF THE WEST (NY)

On XX/XX/22 my Bank of the West checking account XXXX was incorrectly charged by XXXX XXXX XXXX XXXX ( XXXX & XXXX ) for {$53.00}. Before this, the checking account was not used until the unauthorized charge. I disputed the charge from XXXX & XXXX through Bank of the West 's online banking system. However, when I tried to see the status update I was unable to access my online banking as they took my permissions away due to the unauthorized charge overdrafting the checking account. I called Bank of the West multiple times and they assured me that they put notes on my account regarding the situation. I was told to dispute the charge through the Collection Agency ( XXXX XXXX XXXX XXXX XXXX  by someone named XXXX from the Online Banking department, which I did. XXXX also assured through a phone conversation that the charge would be taken care of since it was unauthorized and there was a mix up of disputing the charge through online banking. Today ( XX/XX/22 ) I received documents in the mail stating the XXXX XXXX XXXX spoke with Bank of the West regarding the situation, but Bank of the West decided to continue the collection. There is absolutely no way I can obtain proof from XXXX & XXXX that the checking account from Bank of the West was indeed authorized to be charged. There is also no proof that has been sent to me from Bank of the West or XXXX  XXXX XXXX XXXX that either of the companies did any type of investigation into this matter. I went through the proper channels to dispute the charge and Bank of the West decided to ignore the dispute and escalate the charge off that included the unauthorized charge and XXXX overdraft fees to collections.
Consumer complaint received 2022-10-22
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: Exeter Finance, LLC. (FL)

XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Exeter Finance ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Exeter Finance and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX
Consumer complaint received 2022-10-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

I having issue with AES. My account shows that my account is in paid head status. However, I not seeing how the extra payment have been applied. Since my loan is consolidated, the system shows that two separate loans based by the type. My understanding that I could not use my extra payments to be applied to one loan. even through the system show XXXX XXXX XXXX XXXX XXXX. I was told that my loan was consolidated it should be fix XXXX XXXX One of my loans show that owe interest but I just made payments XXXX. I contacted AES and asked for my original loan documents.
Consumer complaint received 2023-01-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 we attempted to open a credit card account at Macys. We applied for a joint account under my name and my wifes name providing all required information to Macys. We were denied. After much trouble getting to the right person, we were told our application was denied because of lack of activity under my wifes name for credit reporting. Since we are retired and elderly, I do virtually all of the buying for our household and that explains the lack of activity under her name. However, we were still denied the account. We dont understand since we were applying for a joint account under both of our names and there is plenty of activity under my name. We have a credit reporting score of XXXX. We are filing this complaint, primarily to ensure no black marks show up on our credit report.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

Yes last year my account was overdraft and I received a child tax credit from government the bank put XXXX dollars to XXXX in my account I was not notified about this transaction I called spoke to agent at bank I asked why I have XXXX to XXXX XXXX in my account she stated by law in order for them to release the child credit to my account the had to make my balance available I stated I didn't agree I asked for to file a dispute I was told I could not for this transaction.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX XXXX was transferred on XX/XX/XXXX to XXXX in the amount of {$8000.00}. 
On XX/XX/XXXX I paid XXXX {$4000.00} and the remaining balance of {$4000.00} on XXXX. 
To date the {$8000.00} is still reflected on my credit report as being owed to XXXX. I spoke to XXXX XXXX several times with the latest being on XX/XX/XXXX and was advised that once XXXX reports that the balance will fall off my report. However, I last spoke to XXXX on XX/XX/XXXX and was advised that them reporting would have no impact on the XXXX  XXXX balance. 

I have also disputed this balance 3 times as wrote to XXXX and every time they send back that the balance is correct with documentation that shows that I owe {$0.00} on my prior loans with them. The credit bureaus stated there is nothing they can do because the investigation and findings are from the company I am disputing and that the company does not have to show proof to the credit Bureau. 

I am stuck between these companies and need help resolving.
Consumer complaint received 2022-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Accounts, LLC (NY)

XXXX XXXX XXXX I went to XXXX XXXX XXXX for a 15 minute consultation. I later found out that the manager is known to be a fraud and scammer. He started to try and issue false claims to my insurance company. I connected with my insurance company and told them it was fraud. I emailed with the investigator at the insurance company and eventually, the claims were blocked as the insurance company agreed it was fraudulent claims after I provided evidence about my XXXX XXXX XXXX  Given that the owner still has my information, it appears that he is now trying to issue claims through a debt collection agency called Capital Accounts LLC XXXX XXXX. I received a debt collections notice in the mail from a creditor called XXXX XXXX in XXXX through Capital Accounts LLC. The reason why I know this is the same fraud con artist is because I have read online that this fraudulent individual has done the same scam to many people here in XXXX. I have never been to a XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-22
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)

XXXX and EQUIFAX continue to violate my rights by being noncompliant United States Code title 15 chapter 41 and title 15 chapter 94. XXXX and EQUIFAX continue to report unverified, inaccurate, and prohibited information. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are acting in the capacity of a debt collector. By communicating unverified, inaccurate, and prohibited information XXXX and EQUIFAX are discriminating against me. XXXX and EQUIFAX are communicating my nonpublic personal information without my permission. XXXX and EQUIFAX never gave me the opportunity to opt out of certain information being communicated. I sent XXXX and EQUIFAX a letter requesting changes be made to my report. I called XXXX and EQUIFAX after i received the certified mail return receipt for an update and i was told that the prohibited information will still be communicated. I sent XXXX and EQUIFAX a another letter on XX/XX/2002. 
SEE ATTACHED
Consumer complaint received 2022-10-22
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. (FL)

CFPB + Equifax, On my Equifax credit report dated XX/XX/2022 - there are hard credit inquiries I do not recognize, are unauthorized, and would like removed from my credit report - attached to this complaint are : my drivers license my social security card my mailing address my complaint letter my Equifax credit report page displaying these unauthorized hard credit inquiries that need to be removed as soon as possible.
Consumer complaint received 2023-01-26
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: FISERV INC. (NJ)

This inquiry is on my credit report. I am suspicious of this inquiry. # XXXX I don't recognize it. I contacted XXXX about this inquiry. They said this company ( XXXX XXXX ) does not have a valid contact number. They said they have a number listed as XXXX. I want to know how and why this inquiry got on my report. The credit bureau needs to remove it since it is sort of obvious there might be some sort of fraud involved. I want to see proof that I gave consent for this inquiry on my report. This needs to be removed if the proof is not provided. These inquiries affect the consumer 's credit report. Therefore, we take matters like this very seriously! We can file lawsuit and possibly win in courts where the credit bureau or creditor will have to pay additional fees for the false inquiry on the consumer 's credit report.
Consumer complaint received 2022-10-22
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. (VA)

I have submitted XXXX complaints regarding the fraudulent reporting of a closed XXXX XXXX account, of which, was settled back in XX/XX/2018. My Equifax credit report has continuously been flagged with a " charge off '' indicator ever since, which has negatively impacted my credit score. Fortunately, XXXX and XXXX have the correct data.
Consumer complaint received 2022-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I believe your company is using stall tactics while looking into my claim. your inaccurate reporting of consumer file is hurting my ability to obtain credit and i need this issue resolved immediately. according to the FCRA you have 30 days to review a claim and provide proof I verified my identity initially and need my claim resolved. be mindful i am keeping record of all responses and will file a complaint with the Federal trade commission if necessary.
Consumer complaint received 2023-01-26
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. (SC)

On XX/XX/2023, I attempted to make a car loan through my local credit union. They pulled my Equifax report, and it showed my brothers information instead. He has the same first and last name for reference. I checked my personal report from Equifax using my social/DOB/address and, sure enough, my brothers report came back. When I called Equifax, I was told that they could not confirm my identity and I would have to fax in all my personal documentation ( e.g. SS card, drivers license ) and estimated a minimum of 5 business days before acting on it.
Consumer complaint received 2022-08-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

My husband and I were looking to lease a house in XXXX XXXX, TX that was listed on XXXX. We were in contact with who we thought was the owner. We were given a contract to review and sign. With the signed contract and were told to XXXX security deposit and first months rent to their assistant 's email and upon confirmation we would receive the keys. We sent the money for security deposit ( {$1200.00} ) on XX/XX/XXXX and further first months rent ( {$1200.00} ) on XX/XX/XXXX. The " owner '' sent us a tracking number for the shipment of keys and then they never contacted up back, so we went to the property. There was a sign on the door that read " This house is not for rent. Someone is scamming you. Call the police ''. We then filed a police report and reported the charges in the amount of {$2400.00} as fraudulent through chase. The claim was denied on XX/XX/2022 due to not being able to receive courtesy funds from the scammers bank, and stated there was nothing they could do.
Consumer complaint received 2022-08-24
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. (MS)

I reviewed my report and I do not recognize these inquiries as mine nor the information being reported as mine. I am aware that they have violated several of my rights! My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. 
XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Please see attached documents as well my identification as it contains my full complaint and my request.