davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (OR)

XX/XX/XXXX I was Scammed by someone who called my work. They said they were delivering a new XXXX if sales machine. Remaining balance if XXXX so 2 transactions were made XXXX and a XXXX payment Upon paying the amount no merchandise was delivered And I called bank right away to dispute transaction. Bank issued credit XX/XX/XXXX and then reveresed XX/XX/XXXX because if insufficient evidence. I emailed the al documents and the re applied credit. Credit was removed again XX/XX/XXXX with no notice on Causing account to go insufficient and made me late on multiple bills. I called and the rep whom I spoke with said only 1 claim was filed and the other had no claim dispute. So I again emailed them edited the form to show the correct amount and merchant. Now XXXX Credit was reversed again for the XXXX time. I called asked to speak with a supervisor and was Told XXXX was the supervisor Spoke with her for over a hour Trying to resolve issue said I need to call back next day as the department that handles that was closed. So I called back next day XXXX and spoke with another rep who informed me that XXXX was not a supervisor in fact just a regular representative. And then was told I would receive a call in 3 business days which I have not received any calls this is the XXXX business day now. And I have bills coming up once again and will not be able to pay for them since they keep applying and removing credit as they so please.
Consumer complaint received 2022-05-26
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. (TX)

In accordance with the Fair Credit Reporting Act. XXXX Accounts below violated my rights. 15. U.S.C. 1681 Section 602 A states that I have the right to privacy. 15. U.S.C 1681 Section 604 A section 2- Consumer Report Agency can not furnish an account without my written instructions. I have sent several request to remove inaccurate information and these account. Letters and documentation such as FTC was sent on XXXX, XXXX, XXXX, XXXX, XXXX,. Accounts below : XXXX. XXXX XXXX - Account # XXXX, and Account # XXXX XXXX. XXXX XXXX XXXX ( original creditor : XXXX ) - Account # XXXX XXXX. XXXX XXXX - Account # XXXX XXXX. XXXX - Account # XXXX XXXX. XXXX XXXX XXXX - Account # XXXX XXXX. XXXXXXXX XXXX - Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX  XXXX XXXX - Account # XXXX, Account # XXXX
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX  now im XXXX XXXX  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2022-09-30
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IL)

I called a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$420.00}. I gave them the card number over the phone and never heard from them again.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

Hello, XXXX XXXX, I have an XXXX XXXX XXXX XXXX, and we exchange services with other companies for that reason every month for the services rendered we send a wire payment to those companies. These companies are XXXX XXXX  companies as well and based out of XXXX. 
XXXX of the wires for the amount of {$9200.00} was initiated on XX/XX/2021 from my business account and until today there are no whereabouts, The banking service I'm using is Wellsfargo and I keep calling them every day for the past XXXX days, and until today they have no resolution and that's very frustrating as the amount is quite huge. 

Please help me here as they keep bouncing me from XXXX department to another and keep assigning different case numbers.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy ( if any ) from my credit report immediately.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (FL)

My mortgage payment was returned for insufficient funds for XXXX, XXXX, and XXXX of 2022. Each time a revenue generating fee was assessed for insufficient funds in addition to a late charge. Due to three payment bouncing in succession, a bad check stop was placed on my mortgage. The bad check stop prevents me from making payments with autopay, via the automated telephone service, or online. The options provided at this time are XXXX XXXX, certified check, or wire, each of which come with a fee and time out of my day. This is an unfair practice. I was assessed fees for the bounced check and late payment, why am I also being penalized by blocking all standard payment options? 

The note I signed for this mortgage didn't not indicate a bad check stop would be placed on the account for 3 bounced payments in succession.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (CA)

Bought a netspend card on XX/XX/22, and followed all directions to activate it. Got an email response from them saying they couldn't activate it because my info was not matching. Someone else used my info. 2 hours on the phone with two different reps and they couldn't transfer me to a fraud department. They just wanted to activate it for me. XXXX told me I had to go through netspend, they couldn't help either. Nobody can help me prevent this fraud. This company is helping commit the fraud since they can't help stop it. All it is, is a XXXX {$25.00} card so my daughter could go on her XXXX XXXX trip where it's cashless. Now, I find out someone has their name on my ssn associated with credit cards and netspend has no fraud department that anyone can talk to.
Consumer complaint received 2022-02-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (AL)

Citi called my phone as I was returning from XXXX and said that someone had tried to use my card in XXXX. She said there were XXXX charges. Afterward, I get an e-mail informing me that I authorized a wire transfer fraud. After calling Citibank, I waited on hold for hours to explain what had happened. The wire Fraud dept said they got over XXXX people that day. It took them until the next day to reach me. They had me contact the Citibank wire fraud department. I need my money and I have been waiting patiently. Despite my patience, I never heard from anyone regarding the money.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

I am a victim of identity theft and had an lawful inquiry reported on my credit. Equifax, which is an elaborate mechanism has assumed a vital role in deeming my creditworthiness and credit standing. Please remove and delete this inquiry from my credit report : XXXX XXXX XXXX
Consumer complaint received 2022-05-26
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I have XXXX unauthorized inquiry and XXXX accounts to validate and XXXX accounts that have wrong dates of last activity and they say charge off which is not accurate
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (AZ)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-05-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NC)

I have two savings accounts with Wells Fargo -- a platinum savings account and a Way 2 Save account. The platinum savings account requires at least {$3500.00} in it to prevent a {$12.00} service fee charge. Wells Fargo has the accounts listed opposite on my online account with my platinum savings account actually being labeled as " Way 2 Save '' account. So I withdrew money from my " Wave 2 Save '' account and kept over {$6000.00} in my " platinum savings '' account to prevent the {$12.00} service fee. However I was still charged the {$12.00} service fee because Wells Fargo listed the accounts incorrectly. I called to inquire about this and was told the accounts are intentionally, incorrectly labeled, with no resolution on Wells Fargo end. They did not correct the labeling of the accounts or credit me the service fee. This seems deliberate on their end to intentionally confuse consumers so that they get charged the {$12.00} service fee.
Consumer complaint received 2022-02-11
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. (CA)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP (WA)

On XX/XX/2021 I signed a check over to my daughter XXXX XXXX who deposited into her account. The amount was XXXX Key Bank in XXXX WA. On XXXX XXXX. Cashed it then removed the funds out of her account. They did freeze the account but would let her get her work check out once a week on a frozen account well the check was not fraud and my daughter went homeless because of what they did. They did not return the check to the issuer instead said I need to get a harmless agreement from XXXX XXXX they said no because they cashed the check and said they need to return funds to XXXX XXXX and they would issue me a new check it's been a year now and still want XXXX XXXX to right a harmless agreement help I want my money back.
Consumer complaint received 2022-05-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (OH)

XXXX XXXX in XXXX, Ohio did not provide me with a Notice of Rescission. Upon being informed with the 3 years after still not receiving such documents within the consumer credit transaction I have reached out to demand the Notice of Rescission to be given to me. I was informed by a sales manager that the state of Ohio does not honor the right to rescind. I have also researched the Ohio Attorney Generals Laws pertaining to Rescission and now informed that my title was supposed to be given to me within 40 days and was not. The phone call was recorded for quality assurance and I asked if Title 12 of CFR was in respect to my request and was denied of this. I believe this would be 15 USC 1611 knowing and willing violating my consumer credit laws.
Consumer complaint received 2022-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

Several months ago - several charges showed up on my Wells Fargo bank account -I set up for my small business- I opened the account with {$1000.00}. 

I have been charged several times with repeating charges of {$240.00} from XXXX -which I never authorized and several others. 

I explained to the bank - that my card was lost for some time - ( 2 months ) and that I did not have the card in my possession for the time the charges were made. 

They refuse to accept my dispute and charged me with the over charge fees. Now collection companies are contacting me- my credit report is in jeopardy.
Consumer complaint received 2020-02-12
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. (GA)

To Whomever This May Concern : First off, this is not a credit repair agency. This is me, XXXX XXXX submitting this complaint myself because of the notification that I have received on my app. A company called XXXX XXXX XXXX in XXXX, Al XXXX has placed a collection account on my credit report. This needs to be removed asap. This is fraudulent. I have an extended fraud alert on all of the credit bureaus. This information wasn't verified and can not be verified because it doesn't belong to me. Please see attached police report and identifying information.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/21, I sent a letter requesting that XXXX XXXX XXXX reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of XX/XX/21, both Equifax and XXXX XXXX XXXX have failed to respond to my request. On XX/XX/21, Equifax responded by saying they did not have my authorization even though I sent copies of my License and Utility bill. I am also speaking with them on other issues all the time, and this is not the first time they have responded to other issues, so it is false that they do not have my authorization to fix this issue. This needs to be resolved because it is negatively affecting my credit report.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-05-26
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

I had a friend to send the company a bonded promissory note to pay off my mortgage. The company said they couldn't accept it, but refused to return it. This was in XXXX. They foreclosed on my home, even though they had the payment. We learned, about a week ago, that the company, Wells Fargo has been trading the bonded promissory note for all these years and earning money from it, but never used any of the proceeds to pay off my mortgage, nor did they send any earnings to my friend. This is wrongful foreclosure. I, myself, also sent them a promissory note in XXXX which they kept as well. They have been paid several times over, but still are trying to have the Sheriff to put me and my wife out of our home. My friend sent the bonded promissory note by registered mail. We have also learned that Wells Fargo is also trading the registered mail label account number, which my friend had already claimed as collateral on a XXXX Financing Statement before it was used for the mailing. They have not forwarded any earning to her for that, either.
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX, XXXX XXXX, XXXX. I was made aware today via my report online after having made contact with debt collectors and doing research to follow the proccess to remove these unfair judgments and after being phoned repeatedly about these debt that I can dispute them in more effective ways, I did not incure these debts. I wasn't aware did not understand at the time I could dispute it or tell issuerer this debt is not mine.