davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
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. (KY)

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; EQUIFAX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX, EQUIFAX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ) has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions 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 2022-10-21
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. (WA)

I have tried and tried to log into my XXXX credit report over several dozen times over this past year and last year. 2022 and 2023. Every-time I have called and tried to log into my XXXX. XXXX and the other reporting Credit companies have failed to correct bad and faults information on my credit reports.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP (FL)

I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. 
I refuse to be an implied surety/debtor. 
These are few of many violations done on my good name ; which breaks the law. 

These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681XXXX
Consumer complaint received 2017-03-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: MB FINANCIAL, INC. (IL)

I visited the MB branch in XXXX on XXXX and XXXX XXXX on Monday, XX/XX/2017. I am a XXXX representing a XXXX and I needed to go there to deposit money for the XXXX XXXX XXXX XXXX. The XXXX has a partnership with MB Financial Bank to assist with our counting and depositing of coins, dollars and checks from my XXXX. However, my experience was not pleasant. In particular, I had interactions with XXXX XXXX & XXXX XXXX, two of the tellers at the aforementioned location. Here is what I experienced with these two individuals : 1. Neither employee claimed to have any knowledge of said partnership with my charity. Furthermore, they did not make any attempt to familiarize themselves with my situation. 2. I asked them for a cart to transport the 30+ boxes of coins from the trunk of my car. They reported that they did not have any such cart/dolly. 3. I asked them to help me transport the boxes then ; they said 'no. ' They told me I had to carry the boxes " one by one '' from my vehicle. 4. I was denied access to their coin counting machine. 5. There are no phone numbers for individual bank branches ; let alone specific employees. 6. My overall experience was that these particular employees were rude, unprofessional, and made no attempt to accommodate me. Very disappointing & disturbing to be treated this way ; my only purpose to frequent their establishment was for the purpose of charity & I was not helped at all.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I noticed purchases on my Wells Fargo debit card from a merchant I have never used or heard of on XX/XX/2022. I did not authorize these transactions. I filed a debit card fraud claim on XX/XX/2022. There was a total of 35 fraudulent transactions from XXXX. The total amount of fraud was {$7500.00}. 

On XX/XX/XXXX Well Fargo denied my claim. I requested to talk to a supervisor and requested an appeal. My request was denied. I was told there was nothing he could do and the decision was final. Their reason was it matched previous purchase patterns and they were not able to recover the funds from the merchant. 

I have never done business with the merchant in question. No one else is authorized to use my card. My card never left my possession. 

Since Wells Fargo wasn't able to recover the funds they're holding me responsible. I feel like my money is unsafe being stored at Wells Fargo at this point. Not sure what else I can do. Please help and thank you!
Consumer complaint received 2022-09-07
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. (VA)

As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as XXXX on my credit report. Their information is as follows : XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.
Consumer complaint received 2017-03-26
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (NV)

About 2 weeks ago I had reported my Rush Debit Card compromised. And as I expected since the representative was not listening or understanding what I was talking about. He filed the disputes incorrectly causing my card to be closed. And when I woke to a manager since he did n't understand still the situation. She then proceeded to apologise and to over nighting me a new debit card. But then she proceeded on Transferring me to a dispute representative that I thought she had communicated the error and had fixed what the previous rep caused. To my surprise she did not which I found out yesterday when Rush Card closed my card without warning. The representative filed all my disputes incorrectly and did not block my card allowing transactions to hit my account. As of yesterday they have closed my account and they claimed to have mailed me a check for the balance. Which does not include XXXX pending transactions totalling XXXX dollars which were just holds for transactions that were not processed. But to Rush Card policy they remain on hold for 10 days and an hour from when the transaction was ran. On top of that there are the disputed transactions that because of the representative still hit my account although I called and reporterted the issue with my card before they happened. The total of those transactions are above XXXX. Rush has left me without a card and access to my funds do to negligence of their representative. They are mailing me a check and who knows when it will arrive. Since now they have to continue mailing checks do to their policy and the holds pending on the account. Before the closure happened I called to verify since I had a feeling that the documents I received did not state what I had told the representative but they were not able to provide me information because they did not deal with disputes. And customers are n't allowed to speak to them directly.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MD)

XX/XX/2021, a debt from XXXX XXXX was obtained by Jefferson Capital System for collection under my SSN. I did not have this account with XXXX and never did. The name on the account is not even mine but it is reported in my credit report. I have disputed the account multiple times but it still has not been deleted. My name is XXXX XXXX, and the name on the account is XXXX XXXX. I contacted Jefferson Capital System by phone to figure something out, as I need it removed so that i can get financial aid for school. When i contacted them they said that they could not speak to me about the account because my name isnt the name on the account. Well, that is obvious. The supervisor XXXX said he can not help me and he just hung up on me. This is illegal and just rude.
Consumer complaint received 2015-12-15
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bliksum, LLC (CA)

I WAS QUOTED 35% FOR A LOAN. FROM LOAN ME. ONCE I GOT THE LOAN I RECEIVED LETTER STATING I WAS GOING TO BE CHARGED 85%  BECAUSE OF MY CREDIT HISTORY. MY PAYMENT WAS DEFERRED UNTIL XX/XX/XXXX.  TO CHARGE ME INTEREST AT 85% ON THE FULL AMOUNT.  IS TH IS LEGAL?  IF I PAY THE LOAN OFF ACCORDING TO SCHEDULE I WILL PAY XX/XX/XXXX ON A XX/XX/XXXX LOAN.
Consumer complaint received 2022-09-07
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. (CA)

Accordance with the fair credit reporting act XXXX  acct # XXXX was violated my rights. 15 usc 1681 section 602a states I have the right to privacy. 15 usc 1681 section 602a section 2 it also states a consumer reporting agency can not furnish a account without my written permission
Consumer complaint received 2022-11-08
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)

I am writing to dispute a fraudulent charge on my account in the amount of {$44000.00} I did not make or authorize this charge and may have been the victim of identity theft. 

On XX/XX/XXXX I filed a dispute with CHASE via fax and explained that someone stole money from my account a merchant name XXXX Transaction Date : XX/XX/XXXX took money from the account in the amount of {$15000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$5000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$10000.00} Transaction Date : XX/XX/XXXX took money from the account in the amount of {$14000.00} I have never done business with the merchant name XXXX and I never authorize XXXX to take money from my account. I did not make or authorize this charge. 

I requested CHASE that the charge be credited and reinstated to my account and I receive a correct statement ASAP. I also asked CHASE to investigate this matter. CHASE failed to investigate this matter properly and correct the billing error as soon as possible. My CHASE account at the moment is negative, chase also locked my account and I have no access to my banking account. 

CHASE failed to protect my bank account and my money. CHASE claims to protect their customer from unauthorized charges and fraud. Failed to protect me as their customer.

I failed a dispute with Florida Attorney General. I also contact the local media, TV, and news. I will take this fraud nationwide if CHASE fails to fix it. 

These requests are being made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ) Im requesting any finance and/or other charges related to the fraudulent charge be credited to my account. These charges are fraudulent.
Consumer complaint received 2022-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

I would like to know why Chase Bank sold my mother 's account. My mother died and after that I have no idea what happened to the account. My father and sister were making the payments and all of sudden everything stopped. They took my sisters money for trial repayment.
Consumer complaint received 2022-09-07
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. (FL)

It has come to my attention that although I have written several letters asking for validation of debt, audit trails, permissible purpose letters I am not getting any response because of the automated system you have in place which is in fact a violation as well.I am demanding these accounts to be removed immediately off my credit report as it is violation to the following federal constitutional laws. 

15 USC 1681 ( A ) ( E ) 15 USC 1691 15 USC 1601 15 US 1692 I am afraid these XXXX credit reporting agencies have failed to to exercise the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts. 


I have remained humbled despite the stress, abuse, and harm these XXXX credit reporting agencies have done to me. I am ready to file a law suit if you do not remove these accounts immediately XXXX days from today.
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One is showing that my auto loan is delinquent when I have payment proof that I 've sent them but to no avail & this is being reported to all XXXX Bureaus but specifically XXXX as I 've written them a letter as well as called them but again to no avail.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank closed my account on or about XX/XX/2022 the reason they claimed was that i deposited 2 checks with a small amount that was a third party check and they requested that i should bring in the check maker and payee to the branch with identification up to 10 business days and i was not able to do that so they closed my account with all the money in it even checks written to myself and didnt want to release all of the the money which was about {$1800.00} i called them and not got any help after wasting hours on hours on the phone and going into the branches i spoke to a supervisor on XX/XX/2022 and she told me that the money was sent to the state but she can not give me any information to which department it was sent to and what date it was sent so i contacted the state comptroller 's office and they said that they did not receive any funds under my name so I am still waiting for my money to get back to me
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (OR)

M & T Bank purchased People 's United Bank and when the transition happened my accounts were not accessible. Called customer service, waited on hold for 42 minutes and was told they needed to transfer me to digital support. Waited on hold with digital support for 2 hours and 56 minutes. The person who answered was unable to see my information and asked me to hang up and call back so the information appeared for them, but never gave me a number to call before disconnecting me. Now the process starts again. 
This is criminal in my book, as they have my money, which I have no access to and they either did not plan this conversion correctly or severely understaffed their support. 
Called back and now on hold for over 1 hour with no one to help me.
Consumer complaint received 2022-11-08
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)

To Whom It May Concern : You are reporting inaccurate and/or incomplete information concerning me in consumer reports. 
Your conduct has caused me distress and financially harmed me with costs and loss opportunity.
Consumer complaint received 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (VA)

Hi Hair I got a notification from Credit Karma saying that I have one of their, guarantees if I was denied I would get a {$50.00} credit also lies about having great circle approval as I get an approval for credit card and once I apply I will get a deny and adding on my credit score this is palms are trying to work out with Credit, so for five years and it had affect my credit score bad So I am looking for some kind of a conversation some kind of solution of why I was XXXX XXXX and applying for a XXXX  that they know I dont have no great chance of being a approved.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NY)

Dear Consumer Financial Protection Bureau I am filing a complaint on the grounds of fraud and harassment by Seterus , Inc . The lending company Seterus , Inc has created an insurance scheme which is affecting hundreds of thousands of Americans and that includes me. 
In XXXX XXXX I filed a complaint with you ( Consumer Financial Protection Bureau ) regarding, Seterus, because since XXXX I received a multiple foreclosure threats notice from this company, and inspired of the multiple calls to Seterus I was never told why my payments were considered late. I had paid every month I never missed a mortgage payment to Seterus, but still the company has harassed me and continued to do so. 

While I filed the complaint with the Consumer Financial Protection Bureau, I was sent a response from Seterus, Inc, informing me I was considered late because I have not submitted proof of insurance ( XXXX Insurance to be clear ) Of course I had never received an insurance proof request from Seterus until the day of the response to CFPB. I have asked Seterus, Inc in my response to submit proof of the insurance request, of course, like many other thousands of peoples ' I have never heard back. 

On XXXX XXXX, XXXX, I submitted a hard copy of my insurance to XXXX XXXX ( per Seterus response XXXX XXXX is the insurance handler ) I also took the precaution of faxing a copy of the XXXX Insurance to Seterus, Inc, on XXXX/XXXX/XXXX almost two months after I have sent via mail and fax a copy of the insurance I received a letter from XXXX XXXX, asking me for insurance proof. I did respond by fax telling XXXX informing them I had already submitted proof two months earlier. 

Since XXXX I have filed complaints with various agencies, including yourself, the XXXX, and XXXX XXXX. I did get a response from the office of financial services informing me I will get a follow up later, but until today I have not heard back. I have heard back from XXXX ( see attached ). I have an appointment with XXXX on XXXX XXXX, XXXX, and I was hoping not to have to proceed with such an action, but I have been left out of resources. But unitl today Seterus, Inc has not offered a solution or a balance of my mortgage or payments. 

Since I complain in XXXX to you Seterus has used the number I provided in this complain to call me everyday at XXXX including Saturdays harassing me for payment. I have recorded the call as New York allows one party consent, and is clear from the tone and language used by Seterus is harassment. 

I need your help and I thank you for your time.
Consumer complaint received 2022-09-07
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. (IA)

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. 

XXXX XXXX XXXX XXXX How is XXXX and Equifax reporting the account status being closed but XXXX XXXX is reporting it as Indeterminate? Which one is it? Is it open, closed or is it charged off? 
Why are there so many missing fields of information? Did XXXX XXXX XXXX not supply that information to you? 
XXXX XXXX is reporting the date last active as XX/XX/XXXX, Equifax is reporting it as XX/XX/XXXX, and XXXX is reporting it as XX/XX/XXXX. It can't be all three. Which date is it? 

Why isn't XXXX XXXX or XXXX reporting any payment history? When was I reported late with XXXX XXXX or XXXX? What was my monthly payment? When was my last payment received for this account? What were the terms for this account? 

This account is completely inaccurate and incomplete.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

On XX/XX/2022 I requested the " THE METHOD OF VERIFICATION '' on the alleged bankruptcy on my consumer reports. I recently Challenged this same account with the consumer reporting agency, and they stated they have " verified '' this account with Lexis Nexis. I requested the " METHOD OF VERIFICATION '' with Lexis Nexis, With no response to this matter. 


15 USC 1681a ( I have the right to privacy ) 15 USC 1681 B2 ( Permissible purpose of consumer reports )