davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-01
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. (LA)

This CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the XXXX XXXX are unable to send me copies of documents I seel, please remove the disputed items as soon as possible.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

in accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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  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 an account without my written instruction. 

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( a ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

Hello, I have a US Bank reliacard for the child support I receive. I was alerted in XX/XX/2022 that the card had a fraud claim on it and so I was told to send in my ID and Birth certificate. I continued to call back 4 times and every time they told me to upload my personal information. In XX/XX/2022 then checked my account and the money had been take out XXXX even though my card was not active and my account was frozen at the time. I filed a claim dispute in XXXX which I won then the money was put back into my account. I ordered a new card and when I received the card I could not activate the card. I called card services again and was asked send in my ID and birth certificate AGAIN. Total of 5 times. I was told to check back in 2 weeks. I then checked my balance today and the money XXXX had been removed and I still don't have access to my card or account. I called card services again today XX/XX/2022 and have again filed a claim dispute and they are doing an internal investigation. They are saying it is possible Identify theft but I have checked my credit and it looks fine. I then hopped online after MONTHS of going back and forth with folxs at US Bank reliacard and come to find this is something that is happening all over the country. I am concerned at this point that internally at US Bank employees are scamming/defrauding millions of dollars. Please let me know if there is something else I can do.
Consumer complaint received 2022-11-01
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: MoneyLion Inc. (VA)

hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with XXXX XXXX XXXX XXXX XXXX. There is also a personal loan with moneylion inc. that took place in XX/XX/XXXX. Aslo there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXX XXXX  that i need off. It was opened XX/XX/XXXX. There is also a dent buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MAJR Financial Corp (MN)

XX/XX/2021 XXXX contacted me about an alleged debt XX/XX/2021 I sent XXXX certified mail XX/XX/2021 I said XXXX certified mail XX/XX/2021 I said XXXX certified mail Affidavit notice validation of death notice season desist notice
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was a victim of an online scam. A company sent me some checks to deposit in my account so that later I could send them to another party. However, three days after the deposit of the checks, the bank says they were returned because they were altered/fictitious and now they are deducting the amount from my account. As soon as I deposited those checks into my account, I transferred them to the other party, so now that they found out the checks are invalid, they are taking my own money. 
Why did it take them so long to verify the checks? In any case, the bank should have not allowed the transaction before they verified the check, not 3 or 5 days after I made the deposit. 
The first check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$2000.00}. 
The second check was deposited on XX/XX/XXXX and was returned on XX/XX/XXXX. It was a deposit of {$1500.00}. 
Now I lost a total of {$3500.00} dollars just because my bank, Wells Fargo, doesn't do the appropriate verification before just letting go of any money. 
I already called my bank and they just let me fill out a complain but the representative said probably nothing will happen.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

I am sorry that this is the only way I know how to contact you in order to get a response. Please see prior communications with US Bank / XXXX CFPB and myself for prior details ( also attached ). 

I opened a US Bank Business checking account and fulfilled the terms of the offer XXXX earlier this year. I was surprised to have been told that bill payments that were initiated from my checking account are somehow not qualifying transactions. I am seeking clarification on why using the desktop " Bill Payments '' and " Pay Bills '' options from my checking account are not considered " XXXX XXXX '' transactions for the purposes of this promotion. 

When logged into my checking account online ( screenshot attached ), the " Bill Payments '' and " Pay Bills '' options are what were used to initiate payments for credit card bills during the time period of the promotional offer. It seems that US Bank 's manual review of these transactions are classified as " online and web payments '' -- so what is a " Bill Pay '' transaction that would qualify under the terms of the promo, if it is not a payment of a bill initiated from the " Bill Payments '' -> " Pay Bills '' option from the account? This is a misrepresentation of the offer terms if there are somehow two types of paying bills- one which is a promotional qualifying transaction, and one that isn't. 

As a longtime US Bank customer, I am asking for at the very least a good faith credit for this promotional offer. I clearly read the terms and fulfilled them based on what any consumer would understand " XXXX XXXX '' to mean, and I still maintain that the transactions are valid based on the offer terms.
Consumer complaint received 2022-09-30
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (GA)

We have been working with XXXX XXXX to get them to help us get current on our mortgage. They have sent the paperwork requesting information to LoanCare at least twice. We have called LoanCare several times to see the status of the paperwork and every time they give us a different answer and tell us no one can get on the line to help us get this corrected.
Consumer complaint received 2022-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OH)

I've notice unauthorized inquiries on credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are fraudulent and I want to get them removed. 

XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022
Consumer complaint received 2022-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (FL)

This is the second complaint that I. am writing to the CFPB in regards to this issue of fraud that occurred while I was in the XXXX XXXX for the month of XXXX and XXXX XXXX. I ask Chime for proof of my signature and a copy of my passport and they have not given me these proofs that show that I made any transactions in that country. I need actual receipts and a signature and a copy of my passport showing the validity of these fraudulent charges. 

I want for CFPB to publish this everywhere so everyone can see how awful, unjust and crooked is chime. They are the worst of the worst and I want to start a class action suit.
Consumer complaint received 2022-04-09
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. (FL)

XXXX XXXX XXXX XXXX HAS consistently REPORTED FRAUD ACCOUNT NUMBER XXXX ON MY CREDIT TO CAUSE GREAT AND MALICIOUS HARM TO MY FINANCIAL WELL BEING. THEY PURPOSELY FUNDED A FRAUDULENT CHECKING ACCOUNT UNBEKNOWNST TO ME AND ALLOW THE PERPETRATORS TO BENEFIT OFF THE ERRONEOUS MISTAKE. 

ON TOP OF THAT AFTER READING THE FCRA THEY CONTINUE TO INTENTIONALLY ATTEMPT TO CAUSE GREAT AND MALICIOUS HARM BY REPORTING IT AS A CHARGE OFF WITH A BALANCE OF {XXXX} WHICH ACCORDING TO LAW IS A BLATANT VIOLATIONS OF MY CONSUMER RIGHT ACCORDING TO THE FCRA IF THIS WAS MY ACCOUNT WHICH IT IS NOT AND HAS NEVER BEEN.FURTHERMORE ACCORDING TO THE FCRA ALL CHARGEOFF REPORTED MUST REFLECT A XXXX BALANCE AND NO PAST DUE
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. (FL)

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.
Consumer complaint received 2016-07-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Consumer complaint received 2022-05-02
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  account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, ATTORNEY GENERAL account # XXXX and # XXXX, XXXX / 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 2022-05-02
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. (AZ)

In XXXX of XXXX  I submitted by mail a hand written dispute with documentation directly from XXXX XXXX regarding the reporting balance. XXXX XXXX provided me documents of my loan balances to submit for the dispute. My credit bureaus have fraud alerts and are frozen due to past identity theft. I requested for the bureau to either correctly update the balance information or DELETE it due to inaccurate reporting per my FCRA rights. The company continues to report the same information even though proof has been provided. They are reporting two balances, {$94000.00} and the accurate balance is {$71000.00} and another amount of {$3300.00} and the balance is {$2700.00} per the supporting documents directly from XXXX XXXX. I have as of today spoken to two representatives and to no avail any mutual understanding. They continue to insist to continue disputing even though it has been done several times before.
Consumer complaint received 2022-11-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

wells fargo is the recipient bank of a wire that turned out to be fraud ; The bank won't share information with me and hasn't yet replied to my XXXX XXXX XXXXXXXX regarding their findings/investigation results. They are also saying that the account holder is not responsible or not obligated to refund the money. See letter from Wells Fargo response email for claim # for wire fraud. 

Wells Fargo says they will comply with law enforcement or need a court order. 

The wire was sent for investment with XXXX XXXXXXXX XXXX private healthcare fund in XX/XX/XXXX and XX/XX/XXXX, total of XXXX XXXXXXXX. I saw earnings of XXXX XXXX by end of XXXX then again in mid XXXX, balance was XXXX XXXXXXXX in my account but by end of XXXX, website, phones and email was disconnected and they stole investors money. 

I need to know if money was sent from wells fargo to any XXXX XXXX and the XXXX XXXX name because XXXX XXXX  will refund for XXXX XXXX XXXX XXXX ;
Consumer complaint received 2022-10-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (UT)

I recently purchased a XXXX and the loan is financed through Chase. I went to enroll my online account and it had incorrect information for my email and cell phone so I could not authenticate online. I called Chase a few days later and they stated they had updated my information ( email and phone ). I tried to pay my bill and I get an error message on the website, I tried for a week to get the website to work, and kept getting the same error message. I called Chase, they said they don't know what the issue is, but she said she reset my account and had me try to login on two different computers, but it did not work. She transferred me to another agent who stated the website was down and try again in XXXX hours. I attempted to login again and have the same message. I called Chase again, they transferred me to the auto loan department that was closed. I called back, and they again transferred me to a closed auto loan team. We had asked to pay over the phone before the transfer and the agent did not offer to process the payment before the transfer. 

This was on the due date of the loan XX/XX/2022. I had tried for weeks to get everything setup and could not do so. I attempted to login again today and have the same error message. I was able to get to the auto loan XXXX and setup a payment, that is 1 day late at this point. The website still does not work. The agents are still attempting to authenticate me using the outdated data for my phone and email. I don't want this to show as a past due on my account or credit.
Consumer complaint received 2022-10-31
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Exeter Finance, LLC. (CA)

On XX/XX/XXXX between the hours of XXXX my vehicle was seized, and held by Exeter Finance LLC XXXX with a partnering tow company XXXX XXXX XXXX less than 2 days after I filed a complaint with the CFPB for a null contract that I attempted to have rescinded with them and all my payments returned. When I discovered their attempt to defraud me out of payments by a clause in the contract, and attempted to demand remedy by way of refund, and return of title, they then denied my attempts to in good faith recover what was mine to begin with. I in turn filed a complaint with the CFPB to attempt to have mediation in the situation so that it may be remedied lawfully, and all that is due to me including damages be returned. 

I have then since received mailings from the company claiming to have lawful right to the collateral, and a notice of a their plan to sell my car which they have no lawful right to do so per : 15 U.S Code 1692f Section 6 which states : Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 

My attempt to make them aware that the contract was null due to false or misleading representations have just been met with denials by the company with no actual lawful precedence that they are within the scope of the law with continuing to pursue collection for a debt already paid in full upon purchase. 

I have not received any lawful mailings of judgement, lawful lien holder judgement from the company XXXX Exeter Finance LLC ) or the partnering company XXXX XXXX XXXX XXXX ) that will allow them to be able to lawfully seize and hold my car, while denying my right to redeem my vehicle from the tow lot of the partnering company XXXX XXXX XXXX XXXX ). I have performed a search for any liens or judgement placed on my vehicle by the company in state the vehicle was purchased which gives them the right to my property ( car ), and I have found none since the vehicle was purchased on XX/XX/XXXX.
Consumer complaint received 2022-08-15
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. (NC)

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : 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 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 2022-06-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

My XXXX XXXX student loans were consolidated in XXXX and my balance of XXXX then, had XXXX in interest added to the loan. Since then I've made 8 years of payments at XXXX per month which adds up to XXXX $ in payments, and my balance is still {$8700.00} today 8 years later. Their list of interest and principal payments fluctuates monthly up and down with no steady payoff rate applied. Help?