davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-13
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)

Last XX/XX/XXXX of this year, I sent a letter regarding inaccurate and unrecognizable accounts being reported on my credit report. It has been more than 60 days, and I haven't received any response from them and the accounts are still on my credit report. I am more than frustrated at this point. The law clearly states that an investigation must be had for these accounts that are being disputed and failure to do so within 30 days or more will result in the removal of those accounts. This is plainly in violation of the law at the expense of me and my peace. I demand that the accounts be deleted immediately or I will file for a lawsuit and seek compensation for damages. In addition, my information was also affected by the Equifax and XXXX data breach and may have gotten to the wrong people.
Consumer complaint received 2022-10-09
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. (LA)

Equifax/Equifax credit bureau/Equifax information services Llc XXXX Says they do not have a credit file that matches my information ; however, Equifax/Equifax credit bureau/Equifax information services Llc has already deleted some accounts, in which I wrote them about, on a file they claim they can not locate. Equifax/Equifax credit bureau/Equifax information services Llc keeps sending me pre written letters ( frivolous ) and not abiding by the law and delete accounts b/c their failure to comply with the investigation allotment of time. Attached are accounts they deleted/removed from my file already from a CFPB reply.
Consumer complaint received 2018-12-31
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. (GA)

XXXX XXXX {$460.00} & {$120.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2020-12-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

This complaint is not directly my bank 's fault and since it's XXXX XXXX, XXXX, I am filing this complaint with the FTC and every organization I can because of the fraud. Here 's what happened : On XX/XX/2020, I received an email from my Office Landlord, XXXX XXXX, with my normal monthly Invoice, nothing was suspicious. As Tenants, we get benefits if we pay early and all Tenants are encouraged to use XXXX or a direct bank transfer, which I have been doing for the past 4 months. I usually pay the invoice of {$540.00} within 7 days. 
On XX/XX/2020, I received the first of 4 emails from " XXXX XXXX '' requesting that if possible, to submit payment sooner due to year-end bookkeeping. Again, nothing suspicious. Here 's the emails : # 1 Email : XXXX XXXX XX/XX/2020, XXXX XXXX ( 2 days ago ) to me Good Morning, I am writing in regards to the XXXX Rent invoice which I emailed to you yesterday. 
We would want to inform you we have made a little change on the payment method and details. 
Kindly Confirm when you intend to send payment so we can provide you with details to make payment to. 

Hope to receive your response today. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX Email : XXXX XXXX XX/XX/2020, XXXX XXXX ( 1 day ago ) to me XXXX, You could XXXX to the details below today as we need to get our book balanced, If you use make use of XXXX then also is fine but below is the XXXX details. 

XXXX : XXXX XXXX Name : XXXX Last Name : XXXX Kindly send me the receipt of the payment when done. 

XXXX. 

# 3 Email : XXXX XXXX XX/XX/2020, XXXX XXXX ( 1 day ago ) to me Did you get the details i sent to you? If you want we could send a wellsfargo account for wire transfer as i said we are trying to get the books balanced. 

XXXX # 4 Email : XXXX XXXX XXXX XXXX ( 4 hours ago ) to me XXXX, Hope you are doing well. I want to ask a request from you if you can help me get it done. 
Reply when you see this so i can send details. 

XXXX By the time I contacted XXXX via Text message, I had already sent the money ( {$500.00} ) from my account at Wells Fargo to the fraudulent email address using XXXX. I found out that XXXX XXXX email account had been hacked through XXXX and his email was changed to create the fake emails requesting money. Because the email was actually listed in my Contacts with my XXXX account, I never saw the different email for XXXX. It just said " XXXX XXXX '' in the " From : '' line. How did it get into my Contacts? I do not know. The real XXXX XXXX then sent an email informing everyone of the hacker but I had already transferred {$500.00}, my daily limit for a new email address. 

I am filing this complaint for documentation purposes and I will contact Wells Fargo as soon as they can respond. I have already called them but no one is available to talk. I definitely want my money back and want better protocols through my bank for protection against fraudulent hackers.
Consumer complaint received 2020-12-25
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. (TX)

I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.
Consumer complaint received 2018-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hi, I am an expat who have been living abroad since 2012. My credit score has dropped from excellent to poor in the last 6 months ( while I have been living in XXXX ) due to identity theft. Someone has gotten 2 XXXX cards under my name, which has become delinquent, and applied for multiple other loans / credit cards, which resulted in " hard '' credit inquiries with the 3 agencies. 

Seeing that I am living overseas, I tried to file disputes on the fraudulent accounts / inquiries and place a security freeze through the websites of Equifax, XXXX, and XXXX, but I was unable to complete my request. The XXXX site in particular keeps directing me to their PAID fraud protection services at {$19.00} / month. I suspect that these credit agencies deliberately make it difficult ( or almost impossible ) to place a freeze in order to promote their own products.
Consumer complaint received 2022-10-09
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-10-09
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. (MS)

According with the Fair Credit Report Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX  acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions. 

According with the Fair Credit Report Act XXXX acct XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. it states I have a right to privacy. 15 U.S.C 1681 SECTION 604 a section 2 also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-12-25
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. (FL)

XXXX has reported me being 30 days late 2 times in XXXX & XX/XX/2017. I was the victim of fraud. My card was lost and used by someone unknown to me. Prior to this my card balance was {$0.00}. I immediately reported the lost card to XXXX, I was told I was not responsible for these charges while under investigation. The fraud claim was resolved in my favor, yet XXXX reports me as 2 times late for charges that were not mine.
Consumer complaint received 2022-07-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I booked a car rental and paid up front in full including all fees thru XXXX in XXXX. 

I then returned the rented car with XXXX on XXXX. 
XXXX charged me superfluous extra fees which actually exceeded the price i initally paid in full with XXXX. 

I contacted XXXX and XXXX who would not help. 
I then disputed it through my CC BoA. 
I was credited back the false charge. However, I still keep getting a bill of charges from XXXX and i can not find anyone in BoA to help me. I want to be proactive about this to protect my good credit. It has been well over 90 days since i opened this dispute. It seems after investigation, the CC BOA as sided with me. How can i get XXXX to stop billing me and sending me to collections? Please help!
Consumer complaint received 2018-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I am handling the finances for a brother-in-law who has had a XXXX and my sister who has XXXX issues. At some point, perhaps over six months ago Citi bank sent out information that they were going to paperless billing. You were forced to opp out of it. I went online to do so but the procedure was most difficult. All choices led to paperless and if there was a way to opp out, I could not find it. After awhile, it was brought to my attention that their bill was overdue. I called customer service to see what was happening. As an administrator on their account the agent confirmed the bills were being sent to the right address. Because of the XXXX issues and multiple care givers, I figured the problem was on our side. The agent never mentioned the bills were paperless and as readily agreed to changing the mailing address to mine so I would not have this issue again. That action was deceptive as he knew they bills were paperless so why even bother to change the mailing address. He then sent me copies of the 4 months of bills I had not received. There was no mention that the reason I wasn't receiving the bills was that the account was paperless. Again, no bills come. So last night I spend an hour with customer service, as well as with a manager. I explained how I had tried to cancel paperless billing, it was something we never wanted, my sister and her husband have no computer, and no active email. I found out at that point they were sending the bills to her old email and she can't even access it due to XXXX issues. As an administrator on her account the company will let me change the mailing address, change the email address, they will send me copies of the bills after the billing but they refuse to let me change paperless to paper billing. I truly believe this is a scam on our older population. As a result of this policy, there have been repeated late charges and interest on my sister 's account since this new policy was instituted. Citi Bank insists that I, as an administrator, can not change paperless billing to paper billing as it is a security issue. Since I can change addresses and get copies of the bills after they are late, this makes no sense. This policy is fraudulent, and particularly targeted to those who are not computer savy. Paperless billing should not happen without your express consent. It should not be a default policy. And if there is an error in set up, the same person who is allowed to set up in the first place, should also be the person who can cancel. My family is fortunate to have someone looking out for them. How many elderly are being forced to pay late fees and interest on a policy they do not want?
Consumer complaint received 2020-12-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NY)

On Sunday XX/XX/XXXX, I woke up to three Paypal email alerts. The first said that I logged in from an unrecognized device, the second said that I opened up a PayPal XXXX Credit Card, which I had not, and the third said I had a pending purchase for {$1900.00} to " XXXX. '' As I had not taken any of these actions, I immediately logged in and tried to dispute or cancel the charge but I was unable to do so. I attempted to contact the fraud department and took the following steps : ( 1 ) Pressed dispute for two other options ( XXXX apple and {$47.00} for XXXX XXXX XXXX trying to flag my account to make sure the pending purchase would be investigated by a human. In the notes section I wrote please investigate the pending charge. This is not a dispute for the charges selected. I got an email back saying XXXX and XXXX were legitimate charges and nothing about the {$1900.00} charge ; ( 2 ) I immediately tried to call Paypal but no one was there the message said " chat with us, '' so I sent a message trying to get in touch with the fraud team ; ( 3 ) Contacted Paypal via XXXX on my account and my husbands account. Started to secure my account by deleting personal information including credit card, bank accounts, addresses, contacts etc. and the fraudulent paypal credit card key. 
I also separately spoke to XXXX. To research on their end, they wanted the Paypal XXXX  and the order number, neither of which PayPal would provide to me. I also called Mastercard ; they could not track the PayPal XXXX  that was created to cancel the transaction. I also spoke to XXXX XXXX and Visa and they said the PayPal fraud team must reverse the charge. Finally, I filed a police report about the fraudulent activity and PayPal 's lack of assistance with the matter. 
The next day, on Monday, XX/XX/XXXX, I received a text message stating that my purchase was declined. I was thrilled and asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to the bank. However, my account was still at XXXX  and the transaction still said pending despite the text. 
On Tuesday, XX/XX/XXXX, I received a text message that the purchase was declined. I again asked PayPal via messenger and XXXX to put the money back in my account because I wanted to transfer it to my bank account but the account was still at XXXX  and the transaction still said pending. '' That evening, I logged on to Paypal and saw the transaction was approved instead of pending. I immediately logged a detailed dispute. 
On Wednesday, XX/XX/XXXX, I woke up and saw that my dispute was rejected and called the police to file a report for larceny.
Consumer complaint received 2022-10-09
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. (MI)

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, 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 a account with my written instructions
Consumer complaint received 2018-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (WA)

I got a loan through Wells Fargo and eventually lead to a repossession. The reported payments late and said that they would work with me but came and repossessed it instead. I have asked for an itemized statement and have never received one. I also know that they sold the vehicle for around 4800 est. at auction and only reported XXXX XXXX. The company destroyed my credit and I saved my receipts and wont send me an itemized statement so I can cross reference. I also did the math and Ive already paid over 14k and they are trying to say i owe. Them around 6k still. Ive called and been hung up on and laughed at. They already have the vehicle I made payments in for over three years and I have nothing to show for it. I am XXXX and need assistance attaching documents.
Consumer complaint received 2020-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (GA)

Hi I had a PNC CHECKING FIR 2 YEARS AND JUST OPT INTO OVERDRAFT PROTECTION AND HAD IT 2 WEEKS AND GOT HIT WITH 12 OVERDRAFT FEES. I AM A VICTIM OF IDENTITY THEFT AND BELIEVE MY ACCOUNT WAS PLAYED WITH I SHOULD ONLY HAVE 1 OVERDRAFT OF XXXX DUE TO MAKING A MISTAKE AND CLICKED ON MY DEBITCARD. WHEN I MADED A PURCHASE OF XXXX. I AM A XXXX  CITIZEN AND THESE PURCHASES WERE DEBIT AND ADDED BACK A LATER DATE AND MADE MY ACCT OVERDRAWN. ONE XXXX  OF XXXX FROM MY SISTER WAS ATTACHED TO OVERDRAWN FEES AND THE MONEY WAS POSTED BEFORE I SENT TO MY XXXX  XXXX AND ITS NOT RIGHT. PNC KNEW I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2020-12-25
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. (PA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2018-12-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (MN)

On XX/XX/18, I was asked to transfer {$200.00} using XXXX in order to buy tickets from someone on XXXX. I bank with US Bank and he claims to bank with XXXX XXXX XXXX. The money transferred immediately, and he claimed it didnt work, despite it having cleared from my account. He has since disappeared, and XXXX has no fraud protection - US Bank claims to have none with XXXX either. There is no way to cancel the transaction or even file a complaint against him.
Consumer complaint received 2018-12-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC (TX)

On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information. 

On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act. 

I'm not getting any response to validate or prove I owe the debt.