davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: FIRSTBANK (CO)

on XXXX, XXXX 2023 I received a check from an employer and took it to the first bank atm to cash it. I came home and checked my online account to see if it was deposited to find that my account was locked. so I called the number that the screen told me to find that the check was fraudulent! so I went in on the next business day to find out that my account was closed! I got a lecture that I should not cash checks that just come in the mail, even after I told them that this was a payroll check! and I asked them how does the average person know what a fraudulent check look like? and that question was ignored! needless to say, I walked out upset and really do not know why an account that I had for years was closed for something that I had no clue.
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OR)

I have been in a battle with Wells Fargo and an on going problem with fraud several since all these data breaches and all these hacks of major companies have surfaced to the public. And I have lost a lot of money and haven't been able to get it back. I have had someone take out almost {$3500.00} out of my account in the past month. I was saving all my tax refund since I didn't get any of the unemployment I was approved for. I don't know if you guys help with that too? I have a major problem there as well, but my tax refund, has basically been taken out and when I got to file a fraud claim, they are trying to close my account then they won't have anything to take responsibility for and I'll just be screwed like I am now. I went to Wells Fargo because of the backing and promise they had to there customer 's. But since the things I've been through, seeing the executive 's being involved in fraud, closing accounts when trying to get problems resolved, they are making the name I had heard from other 's but didn't listen too. I just need help getting back the money that's was there.
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX Equifax did not fix error of the status of XXXX XXXX XXXX  on credit report as it is incorrectly listed as Charge Off. This account was paid prior to collections, and is not a charge off.
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting Act 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 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2021-12-25
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. (SC)

XX/XX/2021, Equifax is reporting a inaccurate account from XXXX XXXX. Equifax state that I was late 2 times in the months of XX/XX/2021, XX/XX/2021, and XX/XX/2021. A consumer can not be late twice in one month let alone three months in a row. That is clearly inaccurate report. I have disputed this twices. Equifax is violate the consumer law of the FCRA 15 U.S code 1681. Delete the XXXX XXXX account immediately. I have attach my most recent consumer credit report as proof of the inaccurate reporting.
Consumer complaint received 2019-06-24
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. (FL)

XXXX XXXX XXXX Equifax, XXXX andXXXX report this account as 60 Open/Late - XXXX and XXXX for two consecutive months which doesn't make any sense..Please remove the late payments reported on the accounts. I wasn't late on the month which credit bureaus report..How can an account be a charge off with balance? This is ridiculous.. Please fix the accounts and update it the correct status on
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ashton & Weinberg, Inc. (NJ)

Falsely claimed that they are attorneys. 
Falsely claimed that we have committed a crime by Violated Federal Freight Laws. 
Used obscene or profane language, or repeatedly use the phone to annoy someone. 
Threatened and have called customers and vendors slandered.
Consumer complaint received 2019-06-23
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. (NC)

Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove and block such information from my credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX View All AccountsPrevious Next -BAL : {$4500.00} - XXXX XXXX XXXX -BAL : {$3500.00} - XXXX XXXX XXXX -BAL : {$2200.00} - XXXX XXXX XXXX -BAL : {$5300.00} - XXXX As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I have opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

A. XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXXXXXX-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-XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, I-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX-XXXXr XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX FOR - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXTHE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT -- Thank you, XXXX XXXX XXXX
Consumer complaint received 2021-12-26
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. (AL)

XX/XX/XXXX I sent a set of dispute letters out to all three credit bureaus. I received my letters back from the other two and got 31 out of 59 items removed. Some of those same accounts were also on my Equifax. However, when I reached out to Equifax after the 45 days in XXXX they said they hadn't received anything. I sent another set out to all three credit bureaus this time certified XX/XX/XXXX. The tracking number stated that Equifax received them XX/XX/XXXX at XXXX XXXX. However, when I called them in XXXX after the 45 days they stated that they haven't received anything from me, and that they haven't received any letters from me since XX/XX/XXXX. This was even after I told them that I tracked it and etc. They refuse to provide me with my credit report updates and continue to state that they hadn't received it. I couldn't find the tracking paper but I did save the tracking number below our pictures of the tracking number as well as a picture showing the time and date that they received my letters.
Consumer complaint received 2019-06-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I have a checking, savings, mortgage and two credit card acts with Chase Bank. On XX/XX/XXXX I made an {$8000.00}. dep. to my Chase checking acct. the check was written by a business on XXXX XXXX XXXX. On Tues. XX/XX/XXXX, I checked my acct and the XXXX funds were available. I transferred XXXX to an external acct. XXXX XXXX Bank checking ). Later that afternoon I received a low balance alert from Chase. I checked my acct immediately and saw that Chase had put a hold on XXXX of the XXXX. I deposited. I called the bank and spoke with numerous people in different departments, two hours later, I was finally able to reverse the transfer and not be overdrawn in my Chase accounts. However, Chase put a hold on the XXXX dep. until XX/XX/XXXX. I checked with the company that issued the check and they provided me with proof that the check drawn on XXXX XXXX XXXX cleared on XX/XX/XXXX. I still dont have access the funds. This is totally unacceptable. As an aside, I have deposited checks before from this same firm to Chase and none have ever been returned. I have never deposited a check to Chase that has been returned, nor have I written any checks that were returned for NSF. 
Do I have any recourse? I cant believe they can hold my funds for 6 business days after the check cleared the bank?
Consumer complaint received 2021-12-26
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: Nelnet, Inc. (CA)

I am a victim of identity theft. The information that your company, Department of Education Nelnet ( DEPTEDNELNET ) student loan, is still reporting to my XXXX Credit Report does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

I first noticed this fraudulent activity then obtained a copy of my credit report on or around XX/XX/XXXX. I immediately contacted my attorney at the time who advised me to place a fraud alert on my report, which I did on XX/XX/XXXX, XXXX  XXXX. I was advised to file a police report regarding the fraudulent and criminal activity on my credit profile. On XX/XX/XXXX I went to the XXXX XXXX Police Department and filed an identity theft incident report, Report # XXXX. I was advised by the investigating officer that this matter would be handled by one of their detectives and to continue to follow up with both the detective and the credit agencies regarding this matter, as the fraudulent items were still negatively affecting my credit report. On XX/XX/XXXX, I obtained another copy of my credit report. DEPTEDNELNET student loan, was still reporting to my credit report. I then filed an Identity Theft Report with the Federal Trade Commission, Report # XXXX, on XX/XX/XXXX. I also contacted the detective that was handling my complaint with the XXXX XXXX Police Department and let them know that the matter had not been handled. I pulled my credit report again on XXXX, and expected this fraudulent account to have been removed, however it was still reporting to XXXX. I have now filed an additional Identity Theft Report with the Federal Trade Commission on XX/XX/XXXX, Report # XXXX. I have listed this fraudulent account below as it appears on my credit report. 

Fraudulent Negative Accounts : DEPTEDNELNET 9 late payments {$0.00} Closed Account info Account name : DEPTEDNELNET Account number : XXXX Account type : Installment account Date opened : XX/XX/XXXX Account status : Closed Payment status : Paid or paying as agreed Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Original amount : {$20000.00} Past due amount : {$0.00} Terms120 Months ResponsibilityIndividual account
Consumer complaint received 2021-04-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (PA)

The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess XXXX Ch 187, 188 1867 Pg. 546. XX/XX/1867, CHAP XXXVIL
Consumer complaint received 2021-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (PA)

My name is XXXX XXXX. Im a US retired  veteran with XXXX discharge. I have a checking account with citibank. my account number is XXXX. Citi has frozen my account and thus, denying access to my funds as a result im facing XXXX as i cant pay rent and other bills. I called several times and they are very rude. Telling to wait for a imaginary letter that never comes. The reps are not Usa based and never really help you. I have children with and i also suffer from XXXX. This is making my situation worse. I researched online and found multiple people with the same problem. They even faced a class action suit in New York for freezing customer accounts with out proper cause. CFBP should look into this problem thats affects many americans.
Consumer complaint received 2019-06-23
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. (OH)

I am a victim of fraud. I had some issues with fraudulent addresses appearing on my credit report. Someone has been using my ID and SS number to apply for account in my name. Please delete/remove the folowing addresses : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX I have a numbers on my credit rreport that do not belong to me on my credit report please delete they are not mine numbers. ( 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 I have account that I have disputed already from XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX
Consumer complaint received 2021-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: EQUIFAX, INC. (LA)

So I applied for equifax services to check my information, so it took about 15 to 20 minutes with credit card information so I got curious and call my bank they had ran XXXX twice and then additional XXXX on credit card, I immediately call them to clear the error the employee new they had may error continue to ly to my face I told them I was on wife 's phone with the bank, so then the supervisor got on the call I was furious by then he cover for employees and debit my account. They speak very bad english, they are very rude and this services should be put out of business. 
I want money back the service does not work they could not login. This is a criminal organization with legal ties. 
I don't have the money to get a big time lawyer, but someone needs to get these people I'm not the only that has this problem with these criminals.
Consumer complaint received 2021-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

XX/XX/2021, Equifax is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX on my consumer credit report as a previous address. I have never lived at that address. I have disputed this once. Equifax reinvestigate this matter and mail me the results.
Consumer complaint received 2019-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MO)

EquiFax continues to demand highly personal information be MAILED to them before providing a credit report and REFUSES to provide an electronic report as the two other companies do. This practice, to get around government regulations and prohibit me from reasonable access to my ANNUAL report is intentional, and has prevented me from wanting to take the risk to get their report for the past decade.
Consumer complaint received 2022-09-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed this inaccurate debt collection. That has caused me great grief and caused me to miss an opportunity to buy my first home XXXX XXXX XXXX disputed on XX/XX/2022 {$330.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1000.00} XXXX XXXX XXXX disputed on XX/XX/2022 {$1600.00} This collection debt is in violation with FCRA and HIPPA LAW. It invaded my FCRA rights.
Consumer complaint received 2022-08-12
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. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-06-24
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. (NV)

my loan payments were temporarily suspended because I am experiencing financial difficulty, please verify US DEPT OF EDUCATION with the lender and fix the account. It should not be reported on my credit files multiple times.. I do not understand how credit bureaus received this information but it is completely false.. This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Consumer complaint received 2019-06-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (CT)

I consolidated my qualifying student loans through the federal government in XXXX. I then enrolled in the Public Service Loan Forgiveness ( PSLF ) program in late spring/early summer of XXXX. 

In XXXX the loan servicer was changed to another company briefly. I then enrolled in the federal " payment tracker '' in XXXX for PSLF. At that time the servicer was then changed back to fedloans. This resulted in some payments not counting towards my total payment count. 

I have been working fulltime for a 501 ( c ) 3 status employer since XXXX. I submitted the requested " Employment Certification Form '' each year that I worked. 

The " payment tracker '' on the fedloans website payment " counts '' were off consistently for years and years. I would inquire on the phone about this and was told they would be updated. 

As I near the 120 payment mark where we can request " Loan Forgiveness '', I formally requested a review of my account in XXXX of XXXX so that the payments tracker would be correct. I was told at that time that a review would take 90 days. I called after a few months and was told it would take 6 months. I next called after 9 months and was told it would take a year. It has now been 1.5 years and my payments have not been counted and the tracker now says that I have made 6 qualifying payments. 

I should have 96 qualifying payments. The tracker should not continue to say 6 payments. It should show an accurate representation of my qualifying payments.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DriveTime (GA)

Drivetime is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my XXXX, XXXX and XXXX consumer report on date of XXXX
Consumer complaint received 2021-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I came to a Wells Fargo ATM to deposit an amount of cash. Using my digital wallet, I gained access to my account and deposited the amount in two chunks since the ATM has a limit on the number of bills that can be deposited per time accessed. After taking the receipt for the deposit, I drove off, but a few minutes later, I received a message that told me that {$200.00} had been withdrawn from my account, and to confirm whether this was done by me. Being sure that I had not made such a transaction, I immediately called XXXX XXXX customer service, and was able to cancel the card and the transaction was flagged down. They started an investigation which continued for a few weeks, and on XX/XX/XXXX I received a letter in the mail telling me that my fraud claim was denied and that they believed that I did the withdrawal or someone that I had given permission to, which is not accurate.