davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-23
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. (MN)

Equifax Im sorry yet another violation under the FCRA on XXXX XXXX bank! Account number XXXX and I asked you to remove this account from my credit file in its entirety immediately after you read this and view the factual evidence that has been provided to you On XX/XX/XXXX I initiated a formal complaint/dispute with the FDIC on credit reporting against XXXX XXXX bank regarding in accurate credit reporting XXXX XXXX advise myself in the FDIC that credit reporting May varies from different credit reporting agencies such as Equifax XXXX and XXXX XXXX that statement kind of bothered me a little bit because if you have one Account all the information should be exactly the same across all three of the reporting agencies! And they did say they are reporting accurate information and certified it and for me to reach out to Equifax and thats what Im doing for immediate deletion of this account XXXX XXXX XXXX stated that the account was open on XX/XX/XXXX but your report and all other reports are showing XX/XX/XXXX this information is incorrect! 

XXXX XXXX XXXX report that the account charged off on XX/XX/XXXX the account charged off in which they are reporting to you as paid as agreed for the month of XXXX XX/XX/XXXX which also a violation under the FCRA because XX/XX/XXXX is showing 120 days late on your credit report and payments started up again in XX/XX/XXXX how is that possible?? ( remove for FCRA violation ) Also Under FCRA 623 A 3 req notice is missing!

This is false credit reporting mission stated that the information THEY BELIEVE IS REPORTING ACCURATELY we cant have we believe it Hass to be 100 % accurate and verifiable. This is unreal someone credit report looks like this and they taking about they believe! Remove this immediately EQuifax!
Consumer complaint received 2023-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (FL)

I am a Wells Fargo bank customer for the past 15 years, I have heard many times that Wells Fargo has a lawsuit going on about consumers being owed funds back due to high interest rates, credit cards, overdraft fees, and car repossessions. I would like my bank Wells Fargo to check to see what fees that I may be owed back from between XXXX, the years in question.
Consumer complaint received 2020-08-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (UT)

Quicken loans offered covid forbearance to us. We repaid the payments, became current, and came out of forbearance. 
Quicken loans reported the covid forbearance under the CARES Act to the FHA who then reported it as default to CAIVRS. 
We have been in contact with Quicken loans for 4 business days requesting them to remove the forbearance as we are and have been current for over 30 days. 
They refuse to send any form of documentation or letter to the FHA showing we are no longer in forbearance. 
We are today, XX/XX/2020, closing on the sell of our house and will be homeless for 2 weeks because of quicken refusing to accurately report information to the FHA for our FHA financing on our home purchase. 

I conveyed this to Quicken and they continue to refuse to assist us. 
Quicken does not understand that reporting to the FHA gives the FHA the information to report to CAIVRS and therefore refuse to correct what they've reported. 

We got to Quickens " top of the line '' department and spoke to : XXXX XXXX  Servicing Escalation Specialist Direct : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX was not informational and had no knowledge of CAIVRS  or FHA reporting.
Consumer complaint received 2021-07-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc. (NY)

I have asked The XXXX XXXX XXXX agency to take this off of my credit. I sent letters to all three bureau to take off my credit. They took it off and put it back on This is not my account Ref # XXXX NOT MY ACCT please remove! 
THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX account # XXXX this account was taken off by XXXX and XXXX but they put it back on. XXXX  never took it off Please make all 3 agencies take this off of my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX
Consumer complaint received 2020-08-13
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. (PA)

I checked recently credit report and saw information which never opened before like a few accounts and address. I listed all off these account in identity theft. All off them are fraud and were opened in the same time and the same year, that mean some body used my personal information and opend. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.

I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need ( and my signature does appear on the ID theft affidavit/report that I am attaching ).

It could also be possible you are mixing up these accounts with someone that has a similar name as me. Either waythese accounts are not mine, and I would like them immediately deleted. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (IL)

This complaint is regarding a pending credit dispute that we have with Citibank/Macy’s credit card for charges relating to XXXX XXXX XXXX   that were initiated – without our consent – in XX/XX/XXXX. I initially wrote a letter to Citibank/Macys/XXXX XXXX on XX/XX/XXXX reviewing the fraudulent charges be discontinued and that we receive a refund (either in monetary or credit form) for the funds that were withdrawn from our credit account without our permission. Since sending the letter on XX/XX/XXXX, Macys indicated that we would need to cancel our credit accounts and to be issued new credit cards to prevent further fraud. This was done twice to no avail – we continued to receive charges from XXXX  XXXX  on our Macys charge account for XX/XX/XXXX and XX/XX/XXXX, until we were successfully able to contact XXXX XXXX (a subsidiary of Macys) and get them to finally discontinue the fraudulent charges moving forward. 
	Still at issue, however, is the retroactive reimbursement for the fraudulent charges made to our account between XX/XX/XXXX through XX/XX/XXXX, which now total XXXX. To follow up on our request for reimbursement, I have made NUMEROUS attempts within the last six months to secure reimbursement of the funds, to no avail - they are denying my reimbursement request. As such, we are now filing a complaint.
Consumer complaint received 2021-07-12
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: GUARANTEED RATE INC. (IL)

I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( Guaranteed Rate ) ran credit one time on XX/XX/2021 ( Factual Data ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX  and XXXX. I only got response from XXXX  but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX  provide. 

So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid.
Consumer complaint received 2020-08-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: O&L LAW GROUP, P.L. (FL)

XX/XX/2020 XXXX XXXX XXXX a/s/o XXXX XXXX XXXX : O & L LAW GROUP, P.L ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Re : CASE # XXXX ( XXXX ) To Whom It May Concern : I wish to dispute the following charges that your company is attempting collection of : O & L LAW GROUP, P.L ACCOUNT # XXXX I am disputing the charges for the following reason ( s ) : XXXX XXXX XXXX a/s/o XXXX XXXX have alleged that I owe an undisclosed amount of debt. However, I did not receive any notice of debt till I received notice of garnishment from my employer XXXX XXXX. I have contacted and spoken to Mrs. XXXX, whom she could not explain to me the debt that I have owed. She explained to me that she will have the attorney contacted me in a few business days. After 4 business days and no contact was made I called O & L law group and spoke to an attorney from the law firm whom did not give me his name explained to me that he did not need to disclosed any debt information and he did not want to settle any debt and for me to use pubic information to find out myself. I have chosen to pursue my own attorney for assistances, and I will be sending a copy of this letter/ complain to CFPB. 
I have also attached an excerpt from The Fair Debt Collection Practices Act and would like to remind you that XXXX XXXX XXXX a/s/o XXXX XXXX must now provide me with proof of this debt for you to continue to collect this debt.
Consumer complaint received 2020-08-13
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: 2288984 Ontario Inc. (OH)

On XX/XX/20 at XXXXXXXX XXXX I received a call from am unknown number letting me know that someone has case information for me and that they are trying to locate me. They gave me a number to call and a case number the number is XXXX. When I called, they informed me that there was a case against me regarding an unpaid debt. They made themselces sound like they were from a government agency, even indicating my county as if to associate themselves with county officials. They also called my mother and said the same  things.
Consumer complaint received 2021-07-12
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. (NV)

XXXX  CREDIT AGENCY HAS BEEN REPORTING INACCURATE INFORMATION FOR SEVERAL YEARS EVEN AFTER I HAVE FILED POLICE REPORTS AND REORTS WITH THE FTC THEY HAVE YET TO FIX IT. I WANT TO SUE THEM AND HAVE THE FILES REMOVED. XXXX for {$5400.00} XXXX XXXX XXXX for {$15000.00} and XXXX XXXX XXXXXXXX for {$0.00}
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AFNI INC. (TN)

The company of AFNI, has reported an unpaid amount of {$270.00} on my credit on XX/XX/XXXX. This amount has been paid in full XXXX of XXXX. The company is disputing it for XXXX which I have contacted XXXX  to let them know it was paid in full and the phones. The conversation I had with the XXXX  representative in XXXX, Tn, clearly agreed that it was in deed paid in full. I believe there is some negligence on their part and I am being targeted in paying the bill twice. Again, this bill was completed in full in XXXX and should not be in my record now.
Consumer complaint received 2020-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX my computer was " hacked ''. All credit cards, bank info, etc. was compromised. 
I realized this two days later and immediately contacted Chase Bank. There were two charges of {$200.00} each made on XXXX and XXXX. ( gift card purchases ) They informed me that those charges where removed. 
However, on the XX/XX/2020 statement those charges reappeared. I contacted their fraud department and attempted several times to resolve this issue. They stated they would " look '' into it. Each time returning with same answer. That I was responsible. 
I sent them a letter from XXXX  stating that this was not a valid transaction. 
Again I received a letter stating the same stating I am responsible On XXXX, I again attempted to resolve. This representative stated they never received the letter from XXXX  and then that call was disconnected. 
I am at a loss how to get a fair hearing with Chase. When you do call you will wait for extended time periods and will be disconnected more often then not.
Consumer complaint received 2020-08-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (NY)

Dear sir : Last Saturday XX/XX/2020, I transfer {$66.00} by the app of Remitly to a relative who lives in XXXX. The person in XXXX hadn't authorization to receive international transfer when I transfer the money, when I realized I told him and he did it. 

When I checked the App it appears IN PROGREESS and say Delivery expected XX/XX/XXXX at XXXX XXXX EDT. 

I'd put the complaint a five times to Remitly but my problem hadn't any solution.
Consumer complaint received 2020-08-13
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo said that I did not pay XXXX or XXXX on time. 
THey offered a corona virus relief plan where you dont have to pay for 2 months consecutively. 

THey ended up reporting these 2 months as lates. I called to make a payment to " get current '' to bring the account in good status as I did not know they had deemed me late. 
I had to re-request them to put me on this corona virus plan. THey claimed they did but I did not receive a letter once again. 

I want to keep the account in good standing. They also have the balance over charged due to identity theft where I did not make or use all those charges. 

THe true balance should be {$3800.00} approximately. I have been incurring interest on charges I did not make.
Consumer complaint received 2020-12-16
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: DFC Global Corp. (ID)

I have 5 inquiries that are not mine, nor did I approve them and they appear to all be fraud. 
* Money mart XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020 *XXXX XXXX XXXX XXXX/XXXX/2020 XXXX XXXX/XXXX/2020
Consumer complaint received 2023-01-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (GA)

Hi Wells Fargo Support Team- I noticed several fees on my Wells Fargo account that I would like to ask for a refund on. I have been a loyal customer of Wells Fargo and hope to continue, but these fees are becoming really frustrating .... Especially when there are now so many fee-free banks and its been such a tough year! 

Can I get a refund on the {$560.00} from my transactions below? 


MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$29.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX LEGALSHIELD *MEMBR - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX for XXXX XXXX XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022- {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$59.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX*POSTPAID F - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$100.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX*POSTPAID F - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$14.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX/BILL - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX  - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$6.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX/BILL - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$14.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXXBILL - XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$9.00} RECURRING PAYMENT AUTHORIZED ON XX/XX/XXXX XXXX/BILL - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$88.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXX XXXX*POSTPAID F XXXX - XX/XX/2022- {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$10.00} ONLINE TRANSFER TO XXXX XXXX XXXX SAVINGS XX XXXX REF # XXXX ONXX/XX/22 XXXX XX/XX/2022 - $ XXXX  MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} NON-WELLS FARGO ATM TRANSACTION FEE - XX/XX/2022- {$2.00} MONTHLY SERVICE FEE - XX/XX/2022 - {$5.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$6.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXX XXXXBILL XXXX -XX/XX/2022 - {$35.00} OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$29.00} RECURRING PAYMENT AUTHORI ZED ON XX/XX/XXXX XXXX XXXX XXXX - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - {$10.00} XXXX - XX/XX/2022 - $ XXXX MONTHLY SERVICE FEE - XX/XX/2022 - $ XXXX  MONTHLY SERVICE FEE - XX/XX/2022- {$10.00} Thanks a ton, XXXX
Consumer complaint received 2020-08-13
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: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-01-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2021-07-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (CO)

XX/XX/XXXX around XXXX at Sam 's club store on XXXX XXXX in XXXX Colorado. When I was checking out at self check I was approached by an employee from the store and he said that he wants to scan my membership card to verify the address and name is correct. I let him do that he then started clicking on some boxes and answering questions on the screen of a check out. he said he will give me {$30.00} to verify all my information and asked me to input my social security number into the keypad at the checkout. he then proceeded to click on some more things on the screen and then all of a sudden he told me the card is going to come in the mail. I asked him what card and he said it was a credit card. He never asked if I wanted the credit card because I do not want a credit card from that store. He never said the information I'm giving him is going to be used to apply for a credit card so he fraudulently used my information to apply for a Sam 's credit card without telling me or asking me! when I left the store and started processing what has just happened and try to call the store to talk to a manager, a manager was not available. Team lead said the manager will call me back, the manager never called me back. The teamlead said that they know that this is happening and that the employee should not be doing that however they never tried to fix the situation or stop it from happening again!