davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo bank where I have had my small business account for a very long time cashed three large amount forged checks. Wells Fargo do not even have proper record of where they were cashed and by whom. It is very obvious when you look at the paid check copies that the are not real and one had something crossed off and not initialed which should have been a red flag. 
Wells Fargo refused to return our money for their mistake. Please help
Consumer complaint received 2022-10-05
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. (IL)

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 XXXX XXXX XXXX Re : Account XXXX. XXXX ( XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX XXXX ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ) Re : Account XXXX. XXXX XXXX ( XXXX Bank ), has violated my rights. 

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

15 U.S.C. Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C. 1681 ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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.
Consumer complaint received 2023-03-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANKMOBILE TECHNOLOGIES, INC (CA)

My balance with BMTX bank is at a non-sufficient funds in the amount of $ XXXX. I have already tried to dispute discrepancies of small amounts of exact charges of {$2.00}, {$4.00}, and {$1.00} placed on my account by a XXXX XXXX XXXX XXXX in XXXX, California. These charges do not seem correct due to the exact charges without taxes. Purchasing items, it is seldom that the balance is an exact charge. I have had issues with this convenient store overcharging in the past when paying cash. I want this bank account closed and their customer service refused to do so. I have made disputes on charges which have not been resolved and they demanded that I pay the {$17.00} or they will not close this account. I only opened up this account because the college that I was enrolled in at XXXX XXXX XXXX advised everyone that it would be an easier option to receive student loans. The representative stated that this was a financial institution and that would be incorrect since they do not have a corporate branch that you can walk into to pay the balance. Everything done is through wire transfers.
Consumer complaint received 2020-09-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (NJ)

Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from XXXX XXXX planning on law suit for the credit debt from Lowe's-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions. 

Lowe 's the well-known corp has a credit line opened with Syncrony Bank which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to Syncrony and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter. 

Not to mention being blocked from my own information, Syncrony Bank didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from XXXX XXXX. As per the information provided by Syncrony, the XXXX XXXX took over the debt on XXXX of this year which is still during the pandemic.
Consumer complaint received 2020-09-17
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)

Received letter from XXXX XXXX Services XX/XX/XXXX notifying me of line of credit decrease based on credit report from Equifax indicating a delinquent account in the amount of {$590.00} with XXXX   XXXX. Upon accessing my credit report I discovered that somebody had fraudulently opened an account with this company on XX/XX/XXXX. I proceeded to dispute the fraudulent account with Equifax. Equifax then referred the dispute to XXXX on XX/XX/XXXX. I then received some paperwork from XXXX dated XX/XX/XXXX which I completed and faxed back to them on XX/XX/XXXX. XXXX did its investigation. And in a letter dated XX/XX/XXXX acknowledged that the account in question was not opened by me and I was therefore not responsible for same. Subsequent to that, however, I received an email from XXXX on XX/XX/XXXX wherein they are reversing their prior determination and stating that I am in fact responsible for the fraudulent account.
Consumer complaint received 2020-09-17
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)

I had multiaple inquires submitted by a dealership when I only authorized them to run my credit once. This happened twice. The first set is XXXX   XXXX XXXX, XXXX, AND XXXX XXXX DEALER is dated for XX/XX/2019. SOUTEAST XXXX XXXX and XXXX IS DATED FOR XX/XX/2019. I did not approve for them to pull my credit this many times. There was a recent event where a mortgage company did the same, the inquires are from XXXX dating XX/XX/XXXX, XXXX XXXX and XXXX. I would like to dispute these and have them removed from my credit report.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (MA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ),  in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2021-01-25
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. (CA)

Hi I have these inquiries listed on my credit file which do not belong to me. I have a credit freeze and an extended fraud alert on my credit file and all request for credit I should receive a phone call. 

These are fraud. I am unsure if the credit is opened or not. However I would like them removed.
Consumer complaint received 2020-12-05
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. (NC)

After looking at my credit report i noticed several frivolous fraudulent unkonw inquiries on my equifax credit report .i attempted to contact all of the companies in my report. However the information required by The FCRA to be on the report. Was clearly not on the report, they have no address, phone numbers, account numbers, or any references. one cant attempt to proclaim innocense or proof and right the wrong. I contacted all of them through myown investigationtThat is unlawful the customer requires information for due process. I was never notified. I have fraud alert and a police report on file. Indicating im susceptible to fraud please call. I got no calls and so many inquiries on the same day did not alert them either. I have credit monitor also.FCRA was violated my rights as a citizen and privacy act was taken. I want these inquiries that are fraud to be deleted at once. They are not mine. They are not accurate or verifiable, validate them. Due thorough investigation and send me new report reflecting the fraud and grotesque mistakes. We are entitled to due process. Dont infrinqe on our rights. Violations will have to be compensated {$1000.00} rach under section 617. Wet ink signatured contract of consent needed for proof of permissible purpose. 
XXXX XXXX XXXX XXXX and XXXX. 
XXXX XXXX XX/XX/XXXXXXXX. ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX ) ( XXXX XXXX ) (XX/XX/XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2020-12-05
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 — Investigation took more than 30 days
Company: I.C. System, Inc. (IL)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have yet to receive any investigation results.
Consumer complaint received 2022-10-05
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: BARCLAYS BANK DELAWARE (NY)

I purchased a XXXX XXXX ( operated by XXXX  ), at a XXXX XXXX ( operated by XXXX ) for XXXX on XX/XX/2022. 
The card was activated properly at XXXX. However, the card itself was defective, and I could not access the funds on the card at all, or check its balance online, no matter what I tried. 
I tried getting a refund from XXXX, but they confirmed the card was activated properly and told me to get in touch with the card servicer directly. 
I entered a dialogue with XXXX  the card servicer, but after much back and forth they flat-out refused to refund the card or issue a replacement, saying they did not sell cards at XXXX, an outright lie. 
Barclays was much more helpful, and issued a provisional credit and started an investigation after I opened a dispute. 
However, their initial investigation only dealt with XXXX XXXX who correctly provided documentation that the card was activated properly and that they do not issue refunds on gift cards under any circumstances. 
The Barclays representatives I spoke to understood that the problem was more complicated than this, and accepted new documentation from me on XX/XX/2022, a couple of days after their initial finding came in the mail. 
Unfortunately, Barclays posted the transaction to my account again after their initial finding, even though I provided their requested documentation and the representative told me explicitly the information I provided was enough to win the case. 
It has been more than two months since I provided more documentation, and the charge is still on my card, accumulating interest. The representatives don't have me any additional information whenever I call, besides a verbal confirmation that all my documents are in order and they don't need anything else.
Consumer complaint received 2020-09-17
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 LOST MY IDENTIFICATION AND MY SOCIAL AND SOMEONE WENT ABSOLUTELY CRAZY. THEY WENT AND APPLIED FOR A LOTE OF THINGS.. I DONT KNOW HOW THEY WERE ABLE TO DO THIS WITHOUT ME BEING THERE. PLEASE REMOVE THESE INQUIRIES, I HAVE BEEN TRYING TO KEEP MY CREDIT TOGTEHR AND THIS HURTS A LOT
Consumer complaint received 2023-07-31
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. (CA)

I am writing to file a formal complaint against Equifax, a nationwide credit reporting agency, for their gross violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and California Consumer Law. Equifax 's response to my debt validation request, dated [ Date ], has disregarded my consumer rights, causing significant financial and emotional harm. 

On XX/XX/2023, I submitted a debt validation request to Equifax, disputing inaccurate information on my credit file. In response to my request, Equifax replied with a letter dated XX/XX/2023, in which they stated that the information provided as proof of my identity did not match the information on my credit file. Consequently, they demanded additional documentation to verify my identity and current address, despite my provision of legally recognized proofs of identity, such as my California identification and Social Security card. 

Equifax 's request for additional documentation beyond what is reasonable for identity verification constitutes a clear violation of the FCRA. The Act requires credit reporting agencies to conduct a prompt and reasonable investigation upon receiving a dispute, ensuring the accuracy of the information they maintain. Equifax 's actions, however, suggest a deliberate attempt to stall the validation process, causing undue hardship and financial strain. 

Moreover, Equifax 's refusal to validate the disputed items on my credit report has unjustly denied me credit opportunities, leading to adverse effects on my financial standing and overall lifestyle. My ability to secure loans, obtain reasonable interest rates, and find suitable housing has been severely impeded, resulting in significant financial strain and emotional distress. 

Equifax 's actions also raise concerns about potential violations of California Consumer Law. Under California Civil Code 1788.50 ( g ), I have the right to request " validation '' of the debt. Validation entails credit reporting agencies, such as Equifax, providing specific information about the debt, including the nature and amount of the debt, the name of the original creditor, and verification that I am responsible for the debt. Equifax 's failure to adhere to this requirement constitutes a violation of my rights under California Consumer Law.
Consumer complaint received 2020-10-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MA)

Good Afternoon and how r u Cfpb & Westlake Financial Managers! I'm not sure exactly who to take this to, but it's been more than 6-7 months that i been trying to resolve this matter and everyone has failed to look into this and investigate it. I haven't received anything that proves the method of an investigation but yet there is a wrong balance on this account and finally today I got hold of someone that help me get to the bottom of it. As you can see the attachment, i talked to XXXX today and settled the account and he said that within the next few weeks, they will remove this tradeline from my 3 credit reporting agencies ; XXXX  and XXXX  and XXXX. I'm not liable for this account, but yet it continues to report incomplete, inaccurate, erroneous information on my credit. It's basically unverifiable and this can not be reported as such, It's my understanding that under the consumer laws that account needs to be reported as accurately as possible, and verifiable. This is not accurate!!! There are different dates of last open, questionable balance, high balance than actual balance, 1st dates of delinquency is incorrect and different dates of last active and payment, etc.
Consumer complaint received 2020-09-17
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. (GA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-17
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)

ALL CRA CONTINUE TO REPORT ACCOUNT NOT MINE AND NEVER DONE BUSINESS WITH " THE XXXX XXXX XXXX '' ACC # XXXX AND ACCOUNT OUTDATED REPORTING VIOLATED " FCRA '' SECTION 607,609 AND 611
Consumer complaint received 2020-09-17
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

This company keeps adding this debt that was already removed twice that isn't mine! This collection company keeps fraudulently adding it to my credit bureaus and it needs to be removed. Again. 
Please stop adding this to my credit report as it doesn't belong to me! 

ACCOUNT XXXX