davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-12
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. 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 XXXXXXXX, 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 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 ) 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 2022-03-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (OR)

Attached, please find a notarized Power of Attorney authorizing me to act on the behalf of XXXX XXXX.This individual is an unfortunate victim of identity theft and has enlisted the help of our firm, ID Experts, to aid in their recovery process. Enclosed is also an ID Theft Affidavit with their police report information, identification, and proof of residence. 

XXXX XXXX  is extremely difficult to reach and their phone lines often do not lead to human beings, so I am filing our complaint through the CFPB. 

Please accept this documentation as proof that XXXX XXXX did not apply for an account with NetspendXXXX XXXX  XXXX XXXX XXXX XXXX The account number is XXXX. It also lists a routing number of XXXX and account number of XXXX. The Visa was mailed to XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

Please close the account and/or application as fraud and remove all remnants of XXXX 's identity from your records.
Consumer complaint received 2021-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I have disputed these collection with the credit bureaus 3 months ago and have not received results. I find it weird that XXXX was the only one who deleted the accounts. All the other bureaus have not even conducted an investigation. If they have, I am 100 % sure that they were not able to verify the debts because XXXX couldn't. Don't they get the information from the same creditors? Hmmm. Anyways it has been over 30 days and after doing some research of my own I realized that these accounts must be deleted because the investigation took longer than 30 days 611 ( a ). 
Please delete these accounts.
Consumer complaint received 2021-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (FL)

I am currently enrolled in the Public Service Loan Forgiveness ( PSLF ) program. I have submitted my employment certification ( have worked at the same XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for over 6 years ) and been rejected as I recently submitted for an updated count of my qualified payments. The last payments that were certified were from XX/XX/2020 though my employment remains current. The last time my employment was recertified was as a result of a similar complaint I have lodged with the CFPB which calculated only through XX/XX/2020. This is a recurring issue for Fed Loan Servicing. I demand my employment be certified as myself and my employer have been instructed using the tools and existing submissions of employment certification that we have made. The direct instruction and support given to us by the FedLoan Servicing working on behalf of the Dept of Education is inadequate.
Consumer complaint received 2022-10-12
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. (CA)

I did a purchase on Best Buy on XX/XX/2021 and return the item on XX/XX/2021, I have proof of the merchant that they they received the item, but they never did the refund the credit card is manage buy Citibank I have been calling them for a year, trying to fix this matter I open disputes, upload documents about the refund d but they dont t do anything. Every month they call me telling me that Im late on my payment ( thats the only and last transaction I have with that credit card ). They already damage my credit score report sending flags that Im late .. they also sent a flag that I did a settlement with them. Im very frustrated I really dont know what to do every time I called they transfer me with several people but know one help me or resolve this matter Im desperate.. as I told you they already messed up with my credit score. 
I already talk several times with Best Buy store they messed up with the return because XXXX pick up the item but didnt explain were they return it I told them thats an Internal mistake why that is affecting my refund .. they told me they already process the refund transaction but Citibank dont fix it, because they said they didnt received the refund transaction from Best Buy. And this is the never ending story, since a yea ago I already cry, Im angry, Im frustrated! 
Please help me!!!
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DISCOVER BANK (VA)

On XX/XX/2022, a person by the name of XXXX XXXX created a XXXX account with her bank ( Discover Bank ). She illegally utilized my personal email address ( XXXX ) to set up that account. I do not know this person, nor did I give her permission to set up a XXXX account using my email address. She then fraudulently sent money, via XXXX, to herself using my email address. That money was deposited into her bank account with Discover Bank. I do not have a bank account with Discover Bank, nor did I send money to this person. She sent {$1800.00} to the bank account she has with Discover. I have tried to dispute this with my bank, XXXX, but they are refusing to provide any assistance. Even though I have sent proof of the email I received from Discover Bank proving someone illegally set up an account with them, using my email address. The person in the email name is XXXX XXXX. I have tried to contact Discover Bank but since I do not have a bank account with them, they advised it was only so much information they can provide or do to help me. My rights as a consumer were violated with the EFTA and Regulation E. Discover 's banking customer, XXXX XXXX, illegally and with no authorization set up a XXXX account with Discover Bank using my personal email address ( XXXX ) on XX/XX/2022 and was fraudulently sending and receiving money via XXXX. I was scammed out of {$1800.00} by their customer, and want to be reimbursed as I did not authorize this transaction nor do I know this customer using my email address for fraudulent activity.
Consumer complaint received 2021-08-21
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX CR U on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX bankruptcy discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX. 

2. Bankruptcy chapter XXXX-discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Consumer complaint received 2021-08-21
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: CL Holdings LLC (MI)

Hello, I have repeatedly disputed a fraudulent charged off account that is showing on my credit reports. As soon as my wallet was lost, I immediately contacted all my cards and canceled them and when I begin to see fraudulent accounts showing up on my credit report I contacted the police. I have worked very hard for my stellar credit, however I can't seem to get this inaccurate information removed permanently from my report. This company has an account that is fraudulent and they are reporting it as if it was mines. I have tried everything, but they still will not do whats right. 

This company is bullying me and tarnishing my credit even after Ive pleaded with them to seek the truth and do the right thing and remove this fraudulent charge off of my account and stop reporting it to the three major bureaus. Please help me. The next step is legal action
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XXXX XX/XX/2019, I transferred via ACH {$3000.00} from my Capital One Checking account to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX Checking Account. I mistakenly sent it to a XXXX   account that was closed, so I called XXXX. They indicated it was not a problem as they would reject the transfer and the money would be transferred back to my Capital One Account. The {$3000.00} was never returned to my Capital One Checking account, and XXXX did not receive the {$3000.00}. From XX/XX/XXXX to present, I filed multiple claims with Capital One which were rejected since this was deemed a valid transaction. Ive called Capital One and no one on their help desk is equipped to determine where the ACH transfer ended up and there is nothing more I can do by calling their help desk. Capital One provided trace ID numbers for the transfer but can not verify the money was transferred to XXXX. Capital One claims the money was transferred, and XXXX claims the money would have been automatically rejected and since they dont have the money, there is nothing more they can do. On XXXX XX/XX/XXXX, XXXX provided me a letter stating the money was returned to Capital One, see attachment. On XXXX XX/XX/XXXX, Capital One provided me a letter confirming the money was not returned to Capital One, see attached. Both have indicated there is nothing for them to do here. There is nothing more I can do but file a complaint so the money can be located. I am still out {$3000.00}.
Consumer complaint received 2022-10-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (SC)

I took out a loan with Wells Fargo for a swimming pool of {$8000.00}, I set an automatic draft for the payments to be taken out {$130.00} a month, me & my mother have an shared account together with both of our names on this account, Wells Fargo except the account & was taking payments out of the account for about 4 or 5 months, until I got a letter stating that they can no longer take payments out of this account, because my mother was not on the contract with the pool, I did Not need my mother on this contract with me at the time I had a XXXX credit score, this had absolutely nothing to do with my mother, I immediately went to my back & got a certified letter saying that I & my mother are are this account together, I faxed the document to Wells Fargo to show that name is on this account for them to take the payments out, they wrote back declining taking the payments outofy account, I have been back & forth with them on this issue, they closed account with them & runt my credit score, I done everything in my power to get this issue resolved & nothing is working with them, to me this is nothing more than Breach of contract that Wells Fargo has done.
Consumer complaint received 2022-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NY)

Wells fargo told me there was an issue with my check, and they deposited my check of XXXX XXXX and did not return the funds to me after they closed my account. 

They also didnt provide proof that the funds were returned to bank issuing the check.
Consumer complaint received 2022-10-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following information is incorrect XXXX XXXX Account Number : XXXX Please update all payment, All payment was made on time 6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2022-10-12
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. 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 Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MILESTONE : XXXX, 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 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 ) 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 2021-01-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XX/XX/2020, I sent a letter to the credit Bureaus regarding inaccurate and unknown information reporting on my consumer report. I am deeply frustrated at this point because its been over 60 days and I feel like I am being ignored and taking advantage of without fair investigation to ensure I have 100 % accuracy of information reporting on my consumer report. They're in violation of FCRA, I have not signed a contract or written agreement giving permission to credit reporting agencies to furnish any data to anyone which is infringing on my right to privacy. I demand these accounts to be removed immediately. 

The Fair Credit Reporting Act, 15 U.S.C. 1681a sec.604a Any consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer to whom it relates.
Consumer complaint received 2021-01-10
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. (OH)

I have a credit card with XXXX XXXX XXXX XXXX. I was living in the XXXX in XXXX and XXXX for XXXX XXXX  so I alerted them of a temporary address change however I never received my bill at my new current address. Fast forward to today, I have 2-30 day late payments on my credit report from XXXX and XXXX. I reached out to them via a goodwill letter last year and also alerted them that I requested a temporary address change for XXXX and XXXX. Both claims were denied and they will not remove these 2-30 day late payments from XXXX and XXXX even though I never received the bill due to living in the XXXX forXX/XX/XXXX XX/XX/XXXX. I have since made more than 36 on time payments ( 3 years ). I am very upset and disappointed as it is not my fault that even though I requested my temporary address change, they didnt change it nor did they send my bill to the correct address. This is unacceptable.
Consumer complaint received 2021-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (NJ)

There have been dozens of disputes I had on my account that Discover mishandled. Attached to this complaint is my most recent letter to them regarding a dispute they unjustly resolved in the merchant 's favor to show more details on how they did this. As mentioned in my statement, Discover is never seeing a dime from me for any of these transactions, and everything will be reported to the credit bureaus and whatever debt collection agency they decide to deal with. I know the CFPB is useless and doesn't do anything, but I want this on record. That is all. No response from the Discover is required. Their response would not help me anyway ...
Consumer complaint received 2022-10-12
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. (OR)

On XX/XX/2022 I received a text that identified as Chase bank that asked if I had made a transaction in a XXXX XXXX  in Texas and to reply YES or NO. I replied no and the next text said a Fraud alert specialist would call. The phone rang and caller ID also said Chase bank. The man said that XXXX people were trying to make transactions in different amounts through XXXX out of our Chase account. He asked if I knew them and I replied no. He said that if I would open the application he would help me reverse these transactions and our money would be returned in XXXX hours. On XX/XX/XXXX, he called as promised and I told him I was concerned about the amount of money taken out, {$4500.00}. He reassured me and kept going, he had me so scared as I'm on XXXX  and XXXX, he even gave his name and employee ID number. During my call my husband contacted Chase who told him not to worry about it that this is how it is done. Over 24 hours all this money was removed. Chase bank refunded the money to our account and 10 days later took back saying that I had done this knowingly and their research dept determined it was my fault. I'm XXXX and that was all the funds we had.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I received communication from this company saying I owed a debt to them from XXXX  XXXX XXXX XXXX. I have never had insurance through XXXX  XXXX XXXX XXXX. This is result of fraud. I have submitted a ID Theft affidavit to them to stop this because it is not mine and I do not want this to report on my credit report