davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (GA)

I have continuously reached out to XXXX due to a charge for XXXX XXXXXXXX charged to my card XXXX ago that I did not authorize. I never signed for the promotion nor have I ever used it. XXXX XXXX found XXXX Citibank in violation in 2015 for charging the involuntary charges to accounts without authorization. Citi is in violation even after they were ordered to discontinue and repay customers. I have attached screenshots from XXXX XXXX that stated the violations.
Consumer complaint received 2023-04-04
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: JPMORGAN CHASE & CO. (MS)

On XX/XX/2022 I went to a XXXXy XXXX XXXX in XXXX Ms XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX Bank. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Consumer complaint received 2022-06-30
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 multiple occasions I've contacted Equifax about incorrect reporting on my credit report. My credit report has not been updated Since XX/XX/XXXX. Equifax is reporting multiple late payments from XXXX XXXX. I have never been late or missed a payment from XXXX XXXX. I've disputed this multiple times, but Equifax has not reported the correct information and remove these late payments from my credit report. 
Equifax is reporting a balance with XXXX XXXX on my credit report. This balance was paid in full on XX/XX/XXXX. XXXX XXXX  shows two late payments on XX/XX/XXXX & XX/XX/XXXX. This balance was paid in full and never late. There are two accounts from XXXX XXXX XXXX XXXX XXXX. These are fraudulent accounts that have been disputed and confirmed Fraud by XXXX XXXX XXXX XXXX XXXX, but Equifax has failed to remove the accounts from my credit report.
Consumer complaint received 2022-09-21
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MS)

In XXXX of XXXX I attempted to sale my house. I was notified that there was a second deed of trust held by XXXX. I had filed for bankruptcy some years back and was under the impression that the second mortgage was dissolved but it was not. It was transferred through multiple servicing companies and ended up at XXXX mortgage company. I was notified by them that it was charged off and sold to Nationwide Credit Inc ( NCI ). I have had numerous phone calls with NCI and can not get any information from them. The account is either on hold, closed or they can not find it. I have requested that IF there is a balance what are the options for for settlement and I am always told I will receive a call back or an email. In which I never receive. On XX/XX/2022 I was told they could not locate the account and I would have to speak to an offshore supervisor that was located in XXXX so he would have to call me back. I asked if I could hold to speak to him since I have yet to receive a call back. The individual I was speaking to raised his voice and told me that was not an option. At this point after several attempts to get the Deed released to my property I am frustrated and do not know where to turn. Any assistance would be greatly appreciated.
Consumer complaint received 2022-04-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (FL)

For the fraudulent accounts : On XX/XX/2022 an account ending in XXXX was used to charge {$410.00} dollars from XXXX XXXX XXXX and another charge of {$100.00} at XXXX XXXX XXXX XXXX. On XX/XX/2022 the same account charged {$290.00} at XXXX XXXX. The bank they are using is armed forces bank. 

I received my first 2 letters Monday XX/XX/2022 regarding the above information from TRS Recovery Services Inc. One more letter arrived XX/XX/2022 with more charges from this fraudulent account.
Consumer complaint received 2022-07-28
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)

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
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: CITIBANK, N.A. (IN)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
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. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
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. (TX)

act XXXX  Account # XXXX ( XXXX XXXXXXXX ), Account # XXXX ( XXXX XXXX XXXX ) also Account # XXXX ( XXXX  ). Miss put information on multiple areas.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

Around XX/XX/2022 answered an employment ad via indee.com. An individual sent me a check thru a legit company but ended up being fraudulent. Being careful, I had only {$26.00} in my checkingg acct to protect myself if check was in fact fraud. Wells Fargo allowed and fronted {$3400.00} to this individual without my knowledge then relaying blame to me, its client, with prejudice. Wells Fargo instigates, advocates and promotes this fraud system which happens to be XXXX without consequences because seven banks including Wells Fargo owns this service. I had my local police get a signed warrant from a judge to get information from Wells Fargo and to this date, Wells Fargo is in noncompliance of satisfying the judges order. They have ignored the warrant because their belief is no government consumer agency can touch them. I still get updates from the XXXX but advises still no additional information from Wells Fargo. Wells Fargo has indicated they are going to put my account in collection for the {$3400.00}. I am only XXXX XXXX XXXX and feel my XXXX dollar bank should have protected me
Consumer complaint received 2022-07-28
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: Credit Karma (FL)

Credit Karma advised me today that an email XXXX went in and checked my report from XXXX thru XX/XX/XXXX. I asked credit karma how an entity can just get into an account and look over and over no response yet. I would like to know who this email belongs to XXXX
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (AR)

Arvest Bank Mortgage Division merged with its parent company, Arvest Bank, on XX/XX/XXXX. Despite promising no change in the servicing of mortgages ( letter dated XX/XX/XXXX ) the company proved incapable of mailing out statements or processing payments in a timely fashion so that payments could be made by the due date. 

I called the company to find out my status on XX/XX/XXXX, and was informed that statements had been mailed out on the XXXX. I called again today, XX/XX/XXXX, the due date for payments, and was informed " don't worry, you have two more weeks to make a payment ''. I was not given any date to expect a statement. The person I spoke to refused to identify herself or her supervisor. She refused to send an email giving me this information in writing. She told me if I emailed Arvest Customer Care that " maybe '' I could get a written confirmation of this information. 

She also told me that I could make a payment over the phone, but only by providing permission for Arvest to deduct directly from my bank account, which I refused to do, since they have proven themselves demonstrably incapable of professional management. I could also make an in person payment to the bank, but that would involve taking time off work, and she could not assure me when this payment would be applied to my account. 

I do not understand why a mortgage company, to which I had made on-time payments for almost six years in a frictionless fashion, is suddenly incapable of its ONE JOB because it merged with its own parent company! Nor do I understand this lack of transparency or willingness to provide information in writing.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I received a check to sell my boat. Prior to depositing the check I called the issuing bank to verify the account was active and had the funds. I deposited the check into my chase accouint and waited the XXXX days for the funds to clear. prior to releasing any product I called chase on XXXX seperate recorded lines to confirm that the check was a good check & the funds were in our account. Both times yes I was told the funds are good and I could proceed. 

10 days later I was told the check was a fraudulent check and they reversed the money. On top of all that now they are clsing my account due to this fraudulent check. I had a wire transfer & payroll check deposited to cover the negative balance immediatly when I was told it was a fraud check and my accountg was negative. Now I have no access to my account and get get the money out of my accouint to open a new accouint. 

I never wouldve been in this situation had chase not told me on XXXX sepearte occasions that the funds have cleared and all was good to proceed.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (NJ)

I filed three disputes with Synchrony Bank for my Care Credit card. One dispute was for merchandise that was cancelled and the other was for malpractice and for work that caused pain and will have to be corrected. I sent documents in the mail, but Synchrony never considered them. They never conducted a fair investigation. Synchrony never gave me due process. After receiving the merchant 's response, they never asked me to respond like banks do. They simply did the simplest and laziest thing which was to close the dispute.
Consumer complaint received 2022-06-06
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: CITIBANK, N.A. (VA)

Hey I open a bank with citi bank on XX/XX/XXXX and I got my second check from my job and I did mobile deposit on XX/XX/XXXX they told me I have to wait 1 business for the check to clear and my check still didn't clear so I called to XX/XX/XXXX check still didn't clear at all and they telling me I have to wait for next month idk why this is un professional
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

I was on a payment plan due to me missing a payment because I was out of work for XXXX. I called U.S. Bank and asked to get this late charge removed from my account. Representative refused to do so.
Consumer complaint received 2022-06-30
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: SYNCHRONY FINANCIAL (TN)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX SYNCB/PAYPAL XXXX 15 U.S.C . 1681 ( 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. 
15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
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. (VA)

ln accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXXXXXX 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 fumish a account without my written nstructions
Consumer complaint received 2022-06-30
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. (GA)

XX/XX/XXXX after several attempts to get my profile updated. I sent in my Social Security Card and my GA drivers license. On XX/XX/XXXX I called Equifax to talk about my account I could not get into Equifax.com because they can't verify the my personal info. Equifax has dragged me through the dust and mire I am fed up with trying to get them to do there job. I am being denied the credit that I deserve because they won't update my credit file, On the Equifax.com site it reads that my credit file has been blocked for " Promotional Purposes '' I really don't understand that and can't get any information from customer service because they claim to cant verify my info that I give to them.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo after 34 years, as a satisfied customer, has chosen to severe the long term relationship. Due to the fact, that someone apparently, cashed two counterfeit checks without my knowledge. I am XXXX years, in my right mind but XXXX XXXX and XXXX XXXX XXXX XXXX 

I understand it's considered a security breach. I get that I can still understand and comprehend why this is taking place. Wells Fargo elected to close the account. 

I asked for an extension because I have a large overdraft fee that would have been completely resolved by my first two monthly direct deposits in XX/XX/2022. The account is suppose to be opened to XX/XX/2022. But the reality is that this account is not functional. What I have learned is that because the Loss Prevention Department placed a hard stop on the account. It blocks any deposits, transfer of funds from other accounts from being credited toward this debt. I wish I had completely understood this caveat before requesting the extension on the account. As it has proven to be a waste of my time and efforts to cure this debt. 

I wanted to do my due diligence to cure the debt. But Wells Fargo won't allow me to do so. Which means that eventually this account will be sent to collections. Which makes me look like I purposely did not intend to cure the debt. When the truth is Wells Fargo has blocked me from paying what is owed. 

I want it on record that Wells Fargo will not permit me to cure my debt. I never heard of such foolishness in my XXXX years of life. 

Sending it to collections on purpose when I have tried to pay is mean. Is this allowed? 

XXXX XXXX XXXX 34 year former Wells Fargo Account Holder.
Consumer complaint received 2022-06-30
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: ID Analytics, Inc. (MN)

IN accordance with the Fair credit reporting act # XXXX  XXXX bankruptcy. XXXX has violated my rights 15 U.S.C 1681 section 602 A. States i have right to privacy. 

15 U.S.C Section 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I mailed out a letter for inquires to be removed. I was told by Equifax XXXX XXXX XXXX XXXX XXXX that the inquires could not be removed because they were verified as accurate. I advised him that they were not VALIDATED and should be removed. XXXX refuse to do it stating that for him to remove the inquiries he will need a police report or a report from the federal trade commission. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated confirmed that he could not remove the inquires without a police report because it is their policy. I asked him to email or mail me that policy and he stated that he can not do that. I then asked to speak with his XXXX. XXXX XXXX, XXXX XXXX XXXX stated that Equifax does not investigate inquires unless it is considered fraud, other than that it is consider accurate unless the creditors remove it. I told XXXX that I will be filing a complaint with the CFPB because I know for a FACT that the information, she is telling me is incorrect. I told her that, all inquiries should be investigated and validated before being considered accurate. She then kept saying that it is Equifax policy to investigate and validate ONLY fraudulent inquiries and she said for them to be removed a police report or a federal trade commission report should be submitted then and ONLY they will be removed. I knew then they were a bunch of LIARS! I told her that if this the police then why were some of the other inquires removed at the time, I made the phone call back in XXXX. She then said once the inquiries have been removed, they can no longer see them so she can not verify that. I said so you can't read the past notes on the account she said no. Then I asked for corporate of Equifax number and XXXX said that she can not give corporates information and that I would have to look it up. 


Equifax NEEDS to provide PROOF of documentation showing the inquires on my account are Validated NOT Verified. That Should include providing proof of contract between me and the original creditor stating that I authorized them permission to run my credit. Without proof of a signed contract by me to the furnishers the following inquiries should be removed ASAP from my credit report! Once again these inquires have no permissible use
Consumer complaint received 2022-06-30
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. (PA)

I never gave the consumer reporting agencies to report the account " XXXX XXXX '' on my consumer report. They keep sending my disputes back as verified not investigating and providing me with how they validated this account. U.S code 15 usc 1681b ( a ) ( 2 ) states " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates ''. Immediately provide me with evidence that I signed and submitted written instructions for yall to put this account on my reports without my written consent. this is damaging my reputation and causing me emotional distress.