davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MD)

On XX/XX/2022 a denial letter was sent to me after I applied for consumer credit. I have reason to believe, and do so believe I have been discriminated against. I am an applicant exercising my rights under the Consumer Credit Protection Act.

Loan is not defined in the federal laws that protect consumer credit. I never applied for a loan, I gave my credit card information, to extend credit as the original creditor, giving Rocket Mortgage access to my open-ended consumer credit plan for my benefit. My credit card is connected to my open-ended consumer credit plan pursuant to 15 USC 1602 ( j ).

My Social Security Number is not for identification, it is in fact a credit card defined by federal consumer credit protection laws pursuant to 15 USC 1602 ( l ). You used my credit card to get information from someone other than me to deny me of my right credit. 

Use of my credit card in which I receive no benefit, is unauthorized use of my credit card pursuant to 15 USC 1602 ( p ). You have violated federal law, and have caused me damages with your violations.

You have an opportunity to fix your wrongdoing, by approving the requested amount in the application. If you fail to do what I requested, I will have no other option but to file a complaint against your Truth in Lending violations. These laws are public and violations will be considered to be wilful and knowing, the civil liability of Truth in Lending violations are twice the finance charge.
Consumer complaint received 2022-06-08
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. (NC)

n accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2022-07-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (PA)

This is a secondary complaint with reference to the first complaint I submitted NO. XXXX. Fully understand that you have a right to close my account with no knowledge as to why you are closing it. What I do not understand is why funds can be returned to the IRS when you were aware that the tax return belonged to someone else as stated and showing in the history in online banking. You permitted me to withdraw {$850.00} between 2 days before blocking the account when I went to withdraw XXXX. The tax return that was deposited into my account was from XXXX and XXXX XXXX. Who you refuse to speak with to clear this matter up. I even asked if could have tax return faxed to the office to prove the funds meant for me and was told that I could but not sure what would be done with the documents. Wouldn't speak to them with my authorization or by setting up a code word to verify that was who you were speaking with. Told couldn't be done. So if no fraud case being set up and not able to clear my name with the XXXXXXXX XXXX  help. Why is over {$20000.00} being sent back to the IRS? The funds were provided to me because I have been out of work 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. I still am not back to work and those funds are to help pay for a vacation and medications along with paying medical bills. So please do not send the funds back to the Irs forward the funds in a certified check to my home address. Documentation can be provided to prove funds come to me.
Consumer complaint received 2022-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (IL)

Barclays XXXX Rewards Card ~ XX/XX/22 Tried to log into the account to make a payment, wouldn't allow access, it said information 'password/log in was incorrect '. Upon checking further we saw that the phone # to text us at had been changed and a different email was added to the account. We called ( XXXX ) to correct the information ( XXXX separate times ) after all of our information was given, all security questions answered we were told it had to be passed on to another department, we were told the other dept. was not available/busy, and asked to call back in an hour. After the second time calling we decided to put the card on hold to make sure it couldn't be used. XX/XX/22 ~ Following day tried once again to correct the information on the account were told they would NOT remove the hold that we put on it that they were turning the account over to the fraud department. Fraud dept. demanded a copy of front and back of Drivers LicXXXX, Social Security card and utility bill. We refused ( have been told repeatedly NOT TO GIVE THIS INFORMATION OUT TO ANYONE by police, lawyer and News ). They refused to help at all ~ said there was fraudulant activity on the account ( which there wasn't ~ no claims were made, no activity on the card, bills have been paid on time with no problems ) Would not offer any alternative so we asked to close the account, they refused to do that ( finally did get that done with another supervisor ). Both of the cards have been shredded, account has been closed but they still refuse to let us have access to even PAY the bill. We were told that it would have to be paid by check ( which we haven't done for years ), they wouldn't send an email with the statement due in XXXX, wouldn't make our account accessible to pay via internet and couldn't get the computer system to work in order to change to a paper statement. We have had this card for years ~ never encountered anything like this before and quite frankly are shocked that we were treated like we were criminals!! The woman in the fraud department made it very clear that we did things her way ( sending copies of legal documents etc., for no reason ) or we were out of luck. There is no way to check the account to see what 'auto payments ' were set up to the account, no access to the statements, no way to pay the bill accept via mail. Mail is extremely unreliable right now. It is ridiculous when we did NOTHING to cause this!! We've lost our reward points to top it all off. Please advise.
Consumer complaint received 2022-12-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (AL)

I declare under penalty of perjury ( under the laws of the United States, if executed outsider of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, i certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable under perjury under 18 U.S.C. 1621. This collection found on my credit report are not related to any transactions that I made.I am alleging that a person or company- without my authorization used my personal identifying information to apply for goods, services, or money and was successful in cresting some accounts. All are being investigated by the FTC
Consumer complaint received 2022-12-05
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)

Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed item does not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the account below : XXXX XXXX
Consumer complaint received 2022-07-04
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)

In accordance with the fair reporting credit act XXXX XXXX  account number 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 604 A - section 2 also states I consumer reported AC Can not report an account without my Written instruction or consent to do so.
Consumer complaint received 2022-07-29
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  ACCOUNTS # XXXXXXXX XXXX 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
Consumer complaint received 2022-08-23
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX, and I'm including it again. XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2022-09-23
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. (VA)

XXXX XXXX XXXX was verified without any proof other credit bureaus saw that it was not mine and deleted it from credit report. I have never done business with this collection company or the company they represent XXXX was verified with no proof. Other credit bureau deleted it from credit report. 

These are violation of the fair debt collection act.
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX will reconsider its position, because I can't see myself doing any more business with them otherwise.
Consumer complaint received 2022-09-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Hello, I fell victim to a scam housing rental in the city of XXXX XXXX via a spoofed XXXX advertisement and leasing agreement. The end result was a loss of {$3500.00} in wire transfers believed to be designated for first months rent and deposit. My bank is Wells Fargo and the receiving bank was XXXX. 

This incident was initiated by a XXXX posting ( expired link - https : /XXXX XXXX XXXXXXXX ), that was intended to be a month to month rental following my move from XXXX, XXXX. 
After vetting the location and posting, reached out via email to confirm details and try to confirm legitimacy of the landlord and posting. This was best represented by the leasing agreement I requested and carefully audited. This can be sent as a digital attachment when ready for review. 
The leasing agreement for XXXX XXXX XXXX, XXXX XXXX, XXXX, called for the total {$3500.00} to be provided by wire transfer prior to move in on the date of XX/XX/22. The landlord, XXXX XXXX, requested that this be sent one month in advance to secure booking as many other rental sites do. The money was sent first on XX/XX/22 to cover the {$1000.00} deposit and finalized on XX/XX/22 to cover the {$2500.00} for first months rent. 

Fast forward to the date of move in, XXXX I drive down from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  to find the residence is occupied by another renter. I ask the renter if the posting I had was valid, and they confirmed it was a scam under the same address. 
I attempt to contact the landlord in any way possible from the duped leasing agreement with no luck, my funds are now permanently gone. 

This was a huge financial and time loss, not to mention making me immediately XXXX  living out of a car until I could find an apartment. 

Despite the above, I managed to initiate a claim to review the fraudulent wire transfer of {$3500.00} with my bank, Wells Fargo. The banker in office told me I should expect at least a credit or full amount returned given my experience. 

Two months later ( and after several calls ) I finally get a decision from the bank via mail. They informed me that the claim was denied due to the receiving banks inability to pay back the funds. This was hugely unfair by the receiving bank with fraudulent funds and even more disappointing by my own bank not to take action for a customer. I am now placing a report with XXXX per XXXX XXXX XXXX  direction and following up here at CFPB in hopes of recouping some or all taken funds.
Consumer complaint received 2022-09-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I am a current university student. The scammer entered a group chat intended for students to buy and sell tickets. The scammer pretended to be a student and solicited money from me and other students over football tickets. I paid the scammer money and never received my football tickets. The transaction was made over Venmo. I contacted Venmo and told them the situation, but was told no further mediation was possible.
Consumer complaint received 2022-12-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IL)

I received a letter in the mail that I have to go to court again on XX/XX/2022. I already went to court and their attorney offered a settlement of {$620.00}. I agree to make monthly payments of {$50.00} and started in XXXX. I told the attorney my first 2 payments would be at the end of the month and then I would send earlier he said it was fine as long as I started my payments and would not have to go back to court as long as payments were made. I called and the representative said that they did receive my 3 payments and could not tell me why I had another court date.
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (TX)

XX/XX/22 XXXX XXXX sent {$50.00} to me via Venmo. 
Venmo settled {$1.00} balance leaving {$48.00} on balance Received email stating account reinstated Less than 30 min later, account locked and I have not been given a logical reason besides security reason won't give me the term and agreement rule I violated or let me know what security issue they're talking about for me to so I can explain it away they refuse to release my funds back to me to use or even send them back to the original sender I am homeless because of them they had the audacity after all these begging and pleading where XXXX XXXX XXXX XXXX and still very well may be send me a email asking how their support team did and answering my questions and resolving my issue what did resolve anything it's {$48.00} I have no reason why they're keeping it they won't give me one I've sent them a copy of my birth certificate my driver 's license sent them my bank account numbers rounding in account numbers in the debit cards attached to those including the full card number with expiration date XXXX XXXX I've sent them my mother and father 's day to birth and my father 's day to death every email account that I have open with XXXX that I can remember beyond all that there is no reason why they have to verify anything anymore besides me sending them a blood sample or they do they want to come XXXX XXXX XXXX but whatever the reason is they're breaking the law by holding my money without giving me a reason that they can back up with their own policies and procedures
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. (IL)

Hi I am submitting this XXXX XXXX  XXXX this isn't 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 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 im XXXX  now.with no help.
Consumer complaint received 2022-09-23
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: LEXISNEXIS (PA)

Can you please help me to resolve this matter. XXXX found out on my consumer file that LexisNexis has furnished a Bankruptcy on my credit file and illegally shared the file with XXXX XXXX XXXX and XXXX. This was done without Permissible Purpose and has violated my right to privacy. I have contacted the Municiple Court and they have stated they did not shareb this information with Lexis Nexis. With this Bankruptcy being on my account I have lost personal funding opportunities for me and children to purchase a home. I have called Lexis Nexis numerous times and emailed thier CEO XXXX XXXX. They refuse to do anything about it. They have me on hold for a long period of time and then hang up on me. Please help me with this matter.
Consumer complaint received 2022-12-05
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)

Pursuant to 15 U.S. Code 1681 - Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

XXXX Violated my rights as a protected consumer. They have done this by providing inaccurate information to the credit reporting agencies. In the past I have disputed this with the bureaus and they again have deliberately reported inaccurate information. The High balance, Date of last activity, date reported, date opened last payment all vary between the three Bureaus : XXXX, Equifax, and XXXX. They are also reporting that this account is closed. Being that the account is closed, per law, there shouldn't be a past due amount as past due amounts are only applicable to open accounts.
Consumer complaint received 2022-07-29
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 Account # 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