davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-23
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. (SC)

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments postedon my credit report : XXXX XXXX XXXX XXXX # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Consumer complaint received 2022-04-25
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. (NY)

This is the second time that i am filing a complaint about the inaccuracies that continuously keep reporting on my credit report. I still havent been sent any proof that these accounts belong to me yet they remain on my credit report. I filed a complaint before and there still hasnt been any response to my original complaint. These negative accounts are continuing to affect my credit report, and none of these credit bureaus can verify the accuracy of these accounts.
Consumer complaint received 2022-09-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (CA)

I called Wells Fargo today ( XX/XX/22 ) regarding my personal loan. The agent said Wells Fargo canceled my AutoPay and should have sent me a form to resubmit my ACH AutoPay from my checking account. I never canceled AutoPay. I do not authorize Well Fargo to cancel my AutoPay. I then asked to speak with a manager. I then spoke to XXXX in Virginia. She indicated she is the only XXXX in XXXX. While informing her I did not authorize anyone to cancel my AutoPay ( Bill Pay ), she interrupted me and said I was yelling. I have a right to express my anger and disappointment with Wells Fargo. I never requested cancelation of my AutoPay. Moreover, I was never informed AutoPay was canceled. As a result, I could have had a 30-day late payment on my credit report for 7-years due to no fault of my own. This would cause me signification financial injury. I did my due diligence to set up AutoPay correctly. If WF did cancel my AutoPay without my knowledge or consent, then this is a violation of the Unfair, deceptive, or abusive acts and practices ( UDAAPs ) and other consumer laws.
Consumer complaint received 2022-10-23
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. (TX)

This is my XXXX  and XXXX  attempt to get this XXXX late payment removed from my credit profile or to remove the entire account completely. I have sent in XXXX documents supporting my claim and nothing is being done. 

XXXX XXXX XXXX # XXXX During XXXX i was XXXX XXXX XXXX I went though treatments for XXXX to get better. I reached out to XXXX XXXX and requested requesting deferred payment while i recover from covid. I was unable to work. They approved my request. Unfortunately it was not inputted in there system, and next thing you know i have a XXXX XXXX late. I immediately paid the past due amount once i got the notification. I have reached out to XXXX XXXX and they will not assist in removing XXXX XXXX XXXX late payment. I have sent copies of my XXXX XXXX XXXX, testing result and treatment to XXXX, XXXX, XXXX XXXX and Equifax. XXXX is the only one who has listened and has acted. They removed the entire account from my credit report. 

XXXX XXXX, XXXX and Equifax has violated my rights and consumer laws. Per FCRA i have the right to an accurate Credit Report. If i do not get resolution of this i will seek professional representation to get this removed/resolved and will pursue fines and penalties to the fullest!!!
Consumer complaint received 2022-10-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mnet Financial Inc (TX)

follow up of cfpb complaint XXXX I have not received anything I required of them. They closed the previous complaint before it was ever resolved. 


Get me all the information I require immediately. Do not close this complaint until I actually receive it. 

Send it to me as the actual response to this cfpb complaint -- in the PDF file attachment to this complaint.
Consumer complaint received 2021-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

On XXXX Mr.Cooper took over my Mortgage from XXXX on XXXX I mailed a notice of error of escrow because the amount they were trying to collect was far too high, and my escrow balance was too high compared to what would be owed in taxes at end of this year. They ended up providing me with a refund of escrow because they deemed what I said to be correct. By XXXX my bill & escrow amount was correct totaling {$1500.00}. By XXXX the bill was for incorrect amount of {$1900.00}. I spoke to XXXX in customer service on XX/XX/XXXX @ XXXX to address this, as they increased the escrow from {$410.00} to {$750.00}, in error. They also noted the payment I made in full on XXXX was a partial payment ( error ). After speaking with XXXX, he said hed have escrow analysis done. I received two letter from Mr. Cooper. One dated XX/XX/XXXX & one dated XX/XX/XXXX & Both showed my escrow to be {$410.00} with payment amount of {$1500.00}. I made that payment on XX/XX/XXXX. I received a statement they created on XX/XX/XXXX showing my payment due XXXX in the amount of {$3800.00}. They did not apply my full payment from XX/XX/XXXX to my XXXX due date. They actually suspended the payment I made! On XX/XX/XXXX I spoke to XXXX XXXX who states that because I made my payment prior to XXXX, that I messed up my account! The escrow noted as due was incorrect on this statement, as well as payment due. XXXX XXXX states my payment should be {$1500.00} and that she would rectify this and told me to make my payment on XXXX, and not before. On XXXX I logged into online account and it shows payment due in amount of {$1600.00}, with escrow at just over $ XXXX-all incorrect again! I have left a message for XXXX XXXX and sent her an email regarding the incorrect amount due today! They constantly try to adjust my escrow when nothing has changed, and this is after they have done XXXX escrow analyses to show my monthly escrow of {$410.00}! They constantly try to rip me off. And continue despite numerous calls and attempts to rectify this.
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside 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 as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction 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 creating some accounts. All is being investigated by the FTC.
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 — Account status incorrect
Company: EQUIFAX, INC. (CA)

On XX/XX/XXXX, I went into a dealership to purchase a vehicle at the time my XXXX credit score was near XXXX, XXXX was XXXX, and my Equifax was XXXX. My Equifax score was based on accounts that were paid off but still reporting a balance. I applied for XXXX car loans in XXXX, which all got denied, or they tried to stick me with a high-interest rate because the car loan banks would only go based on the Equifax reporting XXXX I was able to get an okay car with a horrible interest rate due to this error.
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Equifax company incompetence. 

For over a year now ( since XX/XX/2021 ) Equifax has not allowed me or creditors to access my credit file with Equifax. 

I have tried on at least four occasions in the last year to resolve it with them ( and hours on the phone ). They have not resolved their internal security problems, other than asking dozens of their verifying questions. 

They want me to USPS confidential identity documents to them. Not a best practice for handling confidential documents. I have expressed my reluctance to do that because we recently had some checks stolen from the USPS boxes at the Post Office in XXXX. 

I have no issues with either XXXX or XXXX XXXX, just Equifax.
Consumer complaint received 2022-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (GA)

Open XX/XX/2022, I received an email from Synchrony Care Credit ( see attached ) asking me to enter the reference number provided and view the response to my application. However, when I attempted to enter the requested information, I received an error message stating that there was no record that matched my information. 

Thus, I replied to the email from Synchrony to this effect, and I also requested that this account be closed or the application be cancelled or withdrawn and the account cancelled in my name. I have attached the email I sent. I want this account closed if an account was opened in my name immediately.
Consumer complaint received 2022-08-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (MN)

I using XXXX XXXX XXXX XXXX in XXXX XXXX i I have membership with I formed them that I moving to XXXX and I asked them to change my card on file for cancellation fee and and I didnt if change me or not but 2 years now the report that have paid for something I didnt use .and I tell them that I am no longer living in XXXX XXXX
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: 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 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 XXXX 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 XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

The bank citibank is my bank. I have achecking account that has been open for 7 years now. I have a direct deposit with them for the entire time being setup with them. I have recently had them suspend or temporarily hold my account. They won't say what it is from. They told me I have to verify myself. Through a phone number. They stated the phone number has to be in my name. In order to verify my self I have told them my phone number and others as well because I have had a few different numbers. I told them each and they said not one could meet their verification standards. So they say they sent a letter in 7 to 10 business dasy for the next instructions. This is absurd and ludicrous. I have absolutely no access to my funds and I have had my account taken without any previous warning. So I am left without access to my funds. Right in the middle of a huge transition during my move. I am close to a deadline to move out of my apartment and this happens. I am left with no funds not even for gas in a less impacting situation but for my current very time constringent matter where i need fees paid moving costs my deposit, and not to put in my details but a huge huge deposit and all the the miscellaneous problems that come with moving is just one of the most chaotic inconvenient times this could happen. A bank should not be able to just hault an individual from their funds. I have contacted a lawyer and was told if I wanted to pursue there would be alot of fees accumulated so I wanted to pursue other alternatives first and have this investigated or resolved. Thank you
Consumer complaint received 2022-08-24
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: Affirm Holdings, Inc (NY)

This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, yu have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. 
I have not given you written permission to put anything on my credit profile 15 USC 1681b2. 
You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST AFFIRM INC . 
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 
I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

On Saturday, XX/XX/2022, I made a mobile deposit of a check in the amount of {$600.00} around XXXX when I retrieved it from my mail. The bank I have is Wells Fargo. I wrote " For mobile deposit at Wells Fargo only '' on the back of the check as instructed. 

On Tuesday, XX/XX/2022, the {$600.00} was deposited into my account. After work I took out money from the ATM and used my debit card for purchases. 

On Wednesday, XX/XX/XXXX, my account was - {$600.00}. I immediately called Wells Fargo to see what was going on. Not one person could give me an explanation other than that the check was deposited twice. I explained that I deposited the check one time through their mobile app and threw the check away because I never had issues with mobile deposits with other banks. They made me file a claim and ensured me the funds would be back in my account in 3-4 business days or 10 days at most. 

I called again on Tuesay, XX/XX/XXXX to check the status of my claim because there was a deposit from my XXXX of {$880.00} going to this account on XX/XX/XXXX and I needed the - {$600.00} balance to be removed. The negative balance was not removed and the {$880.00} deposited into my account on XX/XX/XXXX. I only received {$280.00} because my balance was still negative. 

I called Wells Fargo again on Thursday, XX/XX/XXXX, and someone informed that the funds would be back in my account today XX/XX/2022. The funds were not back in my account. 

I called today, XX/XX/XXXX, and they told me the claim was closed and I told them I can not be out of {$600.00}, that it was from my personal XXXX. They made me file a second claim and stated I have to wait another 3-10 business days. I have living expenses to pay ( as we all do! ) and really need this money back please. Thank you kindly for your help!!
Consumer complaint received 2022-10-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

Chase allowed several unauthorize transactions on my account in which I am asking a full refund back ASAP as these are my life savings. 

The unauthorize transactions are : XX/XX/XXXX from Blockchain.com for {$5000.00} ( which I already received refund from ) XX/XX/XXXX from XXXX XXXX transactions for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} XX/XX/XXXX from XXXX for {$5000.00} A total of XXXX USD. The same company XXXX credit my account {$8.00} USD and for this reason chase is denying my claim with that merchant. This is absurd, so this company fraudently withdraws my account for {$30000.00} USD and randomly credits me {$8.00} then Chase refuses to help me. I want to repeat that XXXX is a fraud company and I never done any business with them. These are unauthorize transactions I never approved. Any transaction related to XXXX and XXXX are not and will not be authorize by me.
Consumer complaint received 2023-01-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

Hello, MY NAME IS XXXX XXXX XXXX. Upon reviewing my credit report I realized that IC SYSTEMS is being reported as a closed/charged off account in the amount of {$980.00}. This is considered cancelled debt and can not be reported on my report. This company has filed this debt on their taxes and its still being reported. I never received a 1099C from IC SYSTEMS. This is a violation of 15 USC 1681eb. I NEVER GAVE PERMISSION FOR MY PERSONAL INFO TO BE SOLD TO ANY COMPANIES. I DO NOT HAVE ANY CONTRACTS WITH IC SYSTEMS, WITH MY SIGNATURE ON IT. IC SYSTEMS SHOULD NOT BE REPORTING ANYTHING ON ME TO THE BUREAUS.THIS IS IDENTITY THEFT. I demand that this inaccurate information be removed from all 3 credit reports.
Consumer complaint received 2022-08-02
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: WELLS FARGO & COMPANY (AZ)

i won a small claim against XXXX  XXXX. XXXX  XXXX  refused to pay the judgement. i went back to the court and decided to garnish XXXX XXXX XXXX bank account. i did all the proper paperwork and wells fargo 's response was XXXX XXXX did not have an account with them and they had no idea for XXXX XXXX was. 
i then hired an attorney at a cost of {$600.00}. they hired a company to investigate XXXX XXXX and find out where they bank. the investigation found that XXXX XXXX  does bank with wells fargo bank. currently has an open and active account. the investigation costs another {$600.00}. {$1200.00} to find out something in alreasdy knew. 
wells fargo lied and submitted inaccurate documents to the court. they should be held accountable
Consumer complaint received 2022-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A. (TX)

I used to have a bank account with Simple, a XXXX  company that combined banking with extremely useful budgeting tools. 
Year over year, Simple ran a deficit of $ XXXX and were unable to keep their doors open. As a result, BBVA ended up buying them out, and several months later PNC bought BBVA out. 

PNC is claiming that I had a balance owed of {$100.00}. Not only was it impossible to carry a negative balance on Simple, once BBVA bought them out **I did not touch the resulting account/s, assuming that it would close on its own. ** PNC has willingly engaged in submitting fraudulent collections claims on my person, presumably because they realize they made a terrible financial decision by buying BBVA. 
They need to be held responsible to the fullest extent of the law. You do not pass off your poor financial decisions on the customers you acquired in bad faith.