davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Foris DAX, Inc. (OH)

I opened a Crypto.com account in XXXX of XXXX. I purchased about {$900.00} of Shiba Inu that day or the next. Sometime in XXXX of XXXX, I wanted to see how it was doing so, I tried to log into my account but, I'd forgotten passcode. I emailed Crypto.com to change my passcode and they informed me that I needed to provide the phone number that I used to open said account in order to change it. I told them that I've since changed numbers so, I know longer have that number. They asked me to provide them w/a picture of my drivers license, a picture of me holding a piece of paper and a picture w/my elbow clearly showing me holding the paper, which was to display my full name, the days date and the code being sent to my email. I did what was asked of me but, they said they never received either the picture of my drivers license or the paper w/the info displayed. This went on for approximately 2 weeks! I had about 4 different employees respond to my emails saying they were sorry for the mix up but, they needed all the info to be provided again. I gave up trying to after my last, " I'll be happy to help you if you'd provide the following information. '' Please help me because I'm at my wit 's end! Thank you in advance for your cooperation.
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

I am in the process of mortgage assistance and am hoping for a loan modification but Wells Fargo has sent me notice they will no longer service the loan as of XX/XX/XXXX. The company taking over, XXXX XXXX has horrible reviews and I believe it is within reasonable expectations for Wells Fargo to complete the modification immediately rather than pass the proverbial buck. 
This has been a long drawn out process and I have proven my income & ability to make monthly payments several times this year. If Wells Fargo refuses to expedite this matter I will be forced to take legal action to get damages due for several illegal handling instances of this mortgage as outlined in previous complaints ( filed with XXXX as email ). 
It is time Wells Fargo escalate this matter to executive management and close the deal for me in good faith rather than leave me hanging and in distress unnecesarily. If they do not finish the job that needs to be done there is no reason a new company, with a horrible reputation of handling customer issues, should be expected to do so. 
I ask that Wellls Fargo do the right thing and make this the priority it should be given the circumstances.
Consumer complaint received 2023-01-24
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. (RI)

Dear Equifax ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-06-07
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. (MO)

In accordance with the Fair Credit Reporting Act, 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 2022-06-07
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (NY)

This loan was taken out for an ex spouse. 
It was paid late a few times but now has been closed for several years. The lateness are still impacting my credit score and I have flawless credit since then. This account is still impacting me and preventing me from being approved with other financial institutions. Im requesting this please be removed from all credit bureaus.
Consumer complaint received 2022-06-07
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. (GA)

In accordance with the fair credit reporter act XXXX  account number XXXX BANKRUPTCY COURT-XXXX  XXXX, XXXX DPT TREASURY, inquiries XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX has violated my rights. 15 USC 1681 Sec 602-8 states that I have the right to privacy. 15 USC 1681section 604-a section 2. i also states a consumer reporting agency can not furnish your account without my written instructions
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NY)

Citibank-I have several cards with this bank-Recently they have attached with my invoice that they are increasing my current interest rates ( old customer ) from XXXX percent to XXXX a XXXX percent increase which I feel is excessive-They claim they do credit reviews and that is the reason-Totally bogus reason! was based on this. # 1 I have an excellent credit report-Credit score is XXXX and I only use XXXX percent of my total available credit.Never late so exactly what kind of client are thy looking for if not a good one.My other cards with the same bank have also increased but different amounts all together.If it were about the prime rate plus why is the same bank charges different rates on different cards? 
My answer to this is that because I pay my balances in full they are penalizing me because I don't give them any interest money. 
These banks are preying on people with balances and using the market as an excuse to get additional monies. Really shameful. 
Comes XXXX when these increases become effective they are about to loose a XXXX + year client.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (NY)

In XX/XX/2022, I purchased a car from XXXXXXXX XXXX XXXX XXXX  ' located at XXXX XXXX XXXX NY XXXX The sales representative gave me all the loan details directly from 'Westlake Financial ' who needed to have access to my credit report in order to make the sale. Once I made my downpayment, the sales representative told me I would receive a call from the Westlake Financial office to ask some questions regarding the sale and details of the car. 

A few days later I spoke with a Westlake Financial representative who indeed asked me questions about the car and the details of the sale. However, he did not express needing to obtain an additional copy of my credit report. Im positive he had the copy on file, as I would not have been able to enter the loan agreement without their access to my report. I am confused as to why he or someone in that office, pulled an additional copy of my credit report. 

Ive inserted a partial screenshot of my credit inquiries from XXXX. I circled the first day Westlake Financial was given access to my credit report on XX/XX/2022 through XXXX XXXX XXXX XXXX. Then on XX/XX/2022, post-sale, they accessed it again without my permission and necessity. 

I am not okay with the Inquiry made on XX/XX/2022. The additional inquiry was Unnecessary. It seems as though someone in the Westlake Financial Office decided to make an unauthorized use my social security number, to access to my credit report that was - and should - already be on file. Unbeknownst to me, even if a copy was in fact needed, that could've been obtained from XXXX XXXX XXXX XXXX  The XX/XX/XXXX inquiry should not be on my credit report.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (FL)

In accordance with the Fair Credit Reporting XXXX act 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 THIS ACCOUNT SHOWS INCORRECT TWICE IN MY CREDIT REPORT WITH LATE PAYMENTS _____________________________________________________________________ In accordance with the Fair Credit Reporting XXXX act # 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 THIS INFORMATION IS INCORRECT WITH ONE LATE PAYMENT _____________________________________________________________________ In accordance with the Fair Credit Reporting XXXX 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 I NEVER HAD A COLLECTION WITH XXXX XXXX _______________________________________________________________________ In accordance with the Fair Credit Reporting JPMCB INQUIRIES 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 I HAVE A TOTAL OF SEVEN INQUIRIES FROM JPMCB THAT I DID NOT MADE
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (VA)

I HAVE BEEN DEALING WITH THIS DEBT THAT ISNT MINE FOR YEARS! 
XXXX WAS COMING AFTER ME AND NOW THEY KEEP SELLING THE DEBT TO DIFFERENT COMPANIES. I AM A VICTIM. THIS IS RIDICULOUS. I NEED A CAR AND CANT GET ONE BECAUSE OF THIS ACCOUNT ON ALL MY CREDIT REPORTS REPEATEDLY. I NEED HELP!
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (IL)

I received a phone call from US Bank Fraud Department, XXXX, at or around XXXX on Thursday, XX/XX/2022. The associate introduced herself as XXXX and she was a member of the fraud department at US Bank. She proceeded to tell me there were several attempted transactions that day and her department was alerted. She continued to tell me that someone was trying to use my debit card number at a XXXX in XXXX, FL. She then proceeded to tell me that the 'thieves ' had infiltrated my accounts and were trying to use the XXXX application to send themselves money from my account. She then asked if I would be willing to help the bank, local police and FBI to catch these perpetrators by approving a XXXX transfer to an agent who was in charge of this investigation. She stated that the money would be replaced into my account within 24 hours. I, regretfully, obliged. The following day I continuously checked my account for the reimbursement. I called US Bank Fraud department again to check on the status of this process. As I was on hold for the Fraud Liaison department, I received another call from 'US Bank Fraud Department '. My waiting time on hold was to be 30 minutes, so I answered the incoming call. Another female representative said that my number had been 'flagged ' so that I could get through to their department immediately. She began to reassure me that this process was legitimate and they were investigating the source ( s ) of my issue. She, again, said that my money would be deposited within 24 hours, no later than Monday, XX/XX/2022. On Monday I call the US Bank Fraud Department, XXXX, and spoke with an agent, XXXX ', who listened to my story and immediately told me that I had been the victim of a fraudulent scam. When I asked how they could call me using the banks phone number and when I called the same number the next day how did the " scammers '' know to intercept my call into the bank, her response was that she did not know but they will investigate thoroughly. Unfortunately, I have very little confidence that US Bank will do anything to refund my money because of a hack into their own phone system.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2022, I was scammed to send {$500.00} for a " work from home '' job offer. 
JPMorgan Chase refused to reverse the fraudulent transfer with XXXX. Regulation E is supposed to also protect those type of transactions, but JPMorgan Chase is refusing to dispute the transaction.
Consumer complaint received 2022-06-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NJ)

Checkr XXXX XXXX has being using an old Child Support Civil Case to slander and hinder my name so i can not make a living Driving for XXXX, XXXX, & XXXX sites of which i earn my living. The phone number listed is a XXXX lady that answers and is not the number to the XXXX XXXX XXXX XXXX XXXX GA who has the record of this matter. I dont even undersatnd how they got the record. I current hold a renewed US Passport & XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which a Federal Background Check is run and i dont have a issue with obtaining both.
Consumer complaint received 2016-06-07
Product: Other financial service — Debt settlement
Issue: Unexpected/Other fees — 
Company: Fedloan Help (VT)

I saw an advertisement for Fedloan Help which was advertised to consolidate loans into a program that Barack Obama created to help people with student loan debt. So I called them to see what they could do for me and they said that they consolidate loans under a federal program that would decrease my student loan debt and my monthly payments. I did not realize that this was a third party consolidation company as their company is called Fedloan Help, and the actual consolidation and debt relief program is called Fedloan Servicing. When I was talking to the Fedloan Help people on the phone, they were very helpful but did not explain who they were, that they were a third party company, and that they would be withdrawing {$67.00} from my bank account monthly while making it look like this was my student loan payment. This money that they are withdrawing is not a student loan payment, it is a " servicing fee '' for consolidating my loans through them. I figured this out because I have been getting bills from the actual loan servicer, saying that because of my income, my monthly payment right now is {$0.00}. I 've called Fedloan Help ( the scammers ) and they say that all agents are busy right now and that they will call me back. They refuse to put me on hold. I called Fedloan servicing, and they are the ones who alerted me to this situation. 

I was not able to download this as a file, but here is an email that was sent to me from one of their representatives : Service Agreement for REVIEW ONLY Inbox XXXXXXXX AttachmentsXXXX XXXX to me Hello XXXX, Attached is the service agreement for the program you qualified for. There is nothing to sign on these documents, review purposes only. 

We are a NOT for profit organization that works with the US Department of Education regarding Loan Forgiveness and Payment Relief Programs. We charge " NO FEE '' S. We operate from voluntary donations only. 

XXXX XXXX Fedloan Help : Nonprofit Organization Direct : ( XXXX ) XXXX Ext. XXXX Fax : ( XXXX ) XXXX XXXXXXXXXXXX www.Fedloanhelp.org It says, We charge " NO FEE '' S Since they wrote " no fees '' in that specific way, is that their way of getting around their hidden fees, since it is not grammatically correct?
Consumer complaint received 2022-06-29
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. (MI)

Hi I am submitting this 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 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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 XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXXXXXX now.with no help.
Consumer complaint received 2022-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (CA)

On XXXX, I noticed a collection in the amount of {$410.00} on my XXXX account. 

I looked up the company and emailed there support line providing documentation that not only had this bill ever gone to collections, but that I had paid in full and on time, in accordance with the payment plan XXXX and I created. 

I am very curious about the legality of this debt collection, because I had already received a collection on my credit report in all XXXX bureaus about 12 months prior, all of which were successfully disputed. 

Additionally, this payment was made in full to XXXX on XXXX. 

ERC ( Enhanced Recovery Company ) has refused to remove this collection in the face of the documentation I have provided them, citing that they will need to hear from XXXX themselves about an account that has long been closed.
Consumer complaint received 2022-06-29
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. (NJ)

In accordance with the Fair Credit Reporting act the list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXn Account : XXXXXXXX XXXX/Dept of Ed Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX 15 U.S.C. 1681 Section 602A States I have the right to privacy 15 U.S.C. 1681 Section 604A Section 2 ; it also states a consumer reporting agency can not furnish account information without my written instructions 15 U.S.C. 1681c. ( A ) ( 5 ) states no reporting consumer agency may make any consumer report containing any of the following items of information : any other adverse 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 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate