davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-29
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. (CO)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-20
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: Texas Guaranteed (TX)

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : TRELLIS COMPANY OPENED : XX/XX/2017 XXXX. XXXX
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (NC)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AP)

A government travel card was issued through CITIBANK by the US XXXX  to use during official government travel. I was unaware that any further payments were due and thought it was paid off until I received a bill in XX/XX/XXXX after a last payment was made in XXXX XXXX. The bill was for the entire amount of the card, since they were unwilling to do monthly installments or payments and had incurred late charges. After being locked out of the account and being stationed overseas, I was finally able to make a partial payment that was worked out with CITIBANK on XXXX XX/XX/XXXX for {$1300.00}. However, this was not processed and on the statement read returned CK PAYMENT even though it was paid via phone with a confirmation email provided. Since XXXX, I have been XXXX leaving my wife a POA for my finances that are not joint. I assumed that my wife was successful in making a full payment to pay the card off on XXXX XX/XX/XXXX since the account reads " success '', but nothing has been withdrawn from the checking account. My wife attempted to call the agency and representative XXXX ( # XXXX ) would not help her or accept my POA unless I could FAX the documents. Having no access to a fax machine I am left helpless since the internet is down on my XXXX  and unable to call in and complete this on my own. This company has been completely irrational with their payment demands and down right shady when consumers are attempting to make payments. There is no excuse for this lack of flexibility when working with military spouses especially when they are trying to solve problems for their XXXX spouses who have more important things to focus on.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

I opened an account online with Wells Fargo, and never received a debit card. All of a sudden one day I saw random charges on my card. I explained to Wells Fargo that is was not yet me. They refused to refund my money and tell me that the case was closed and they refused to refund my money. I still do not have a debit card for. this account until this very day and they stole my money, over {$2000.00}. I have never made one debit card or credit purchase with my account because I never had a debit card. Someone got my debit card somehow, yet wells Fargo refused, and I mean REFUSED to reimburse me.
Consumer complaint received 2020-02-21
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: BARCLAYS BANK DELAWARE (CA)

My name is XXXX XXXX and I am the victim of fraud, the result of this fraud is 1 unauthorized account on my credit report that I did not authorize to be open, and did not apply for ( Barclays Bank US ). I have filed the necessary legal documents under the FCRA 2009 605 ( b ) to request Barclays US to cease and desist all reporting of these fraudulent accounts. I have also been in contact with the Attorney Generals Office of California XXXX XXXX who I will be sharing correspondents with, along with XXXX XXXX my attorney. Again, please cease and desist all reporting of these fraudulent accounts as they were opened by this bank negligently, and fraudulently under fraudulent pretenses.
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection (UT)

This debt collection agency has never called, emailed, mailed or made any attempt to reach me regarding this debt. I only discovered it due to a credit report after they had been reporting it for more than a year. Upon discovering the derogatory mark, I reached out to the company to explain that the contract they were attempting to collect on was my Father 's of the same name who passed away in XXXX of 2014. I don't even know how they got my social security number. It is troubling that they would take the time to find my social and report me to a credit reporting agency, but they won't take the time to send an email, make a call or lick a stamp and send an envelope! They say they have a signed agreement that proves I agreed to the contract and payments with XXXX and that I provided XXXX my social security number, yet they have failed after several attempts to provide this evidence. I have NEVER given XXXX  my social security number nor did I agree to any charges. My Father may have, but I did not and it is for this reason they fail after several requests to provide this evidence. If I signed this contract and provided my social security number, than the burden of proof lies with them. For this reason alone they should drop the matter and remove all derogatory marks from my credit reports. They should take a serious look at their lazy tactics as well. Call, email or mail someone you're trying to collect a debt from. Hurting their credit until they pay is more along the lines of extortion than it is an honest attempt to collect a debt, whether a legitimate debt or not. In this case, it is not.
Consumer complaint received 2023-08-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (GA)

I contacted Wells Fargo regarding a deposit that was made for a check which was made payable to both myself and my mortgage company XXXX by XXXX XXXX for mold damage rebuild to my home at XXXX XXXX XXXX XXXX XXXX, GA. The check was deposited by a third party into the ATM at Wells Fargo. The check was made payable to myself XXXX XXXX and XXXX XXXX. The check was deposited without the endorsement from XXXX. I contacted the bank along with the depositor XXXX XXXX to have the check returned unpaid. When the bank was contacted about the error in the deposit they refused to return the check to XXXX XXXX marked unpaid so a new check can be issued to complete the rebuild for my home. The check shows " processed '' on XXXX XXXX XXXX side so they will not issue or recall the check until proof is provided that the check has not been honored. 

Several attempts have been made to resolve this issue with the Resolution Department for Wells Fargo and I was advised by them to go with XXXX XXXX to a Wells Fargo branch and a letter would be given to me that provides proof that the check will be returned unpaid. After several attempts that has not been done. XXXX XXXX will not issue a new check until the old check is either returned to them or proof provided that the check has not been cashed. 

I am in HOTEL and can not move forward with the rebuild of my home without the funds that payment has been retuned. I have XXXX claim number for the Resolution Department for Wells Fargo, they are XXXX XXXX I have been told on XXXX separate occasions that the only thing that needed to be done was for me to go with XXXX XXXX to the bank and a letter would be provided which proves that the check has not been cashed. Without this information, I am still displaced and living in a hotel because repairs can not be made without the check from XXXX XXXX. 

Please help!!!
Consumer complaint received 2022-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-12-02
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-12-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CONTRACT CALLERS INC (NM)

Last year ( XXXX ) I moved and turned off my electric service with XXXX XXXX. After receiving my confirmation email that my service had been turned off, I received no further communications from XXXX no emails, no phone calls, and no letters in the mail. So imagine my surprise when I received a notice from a credit reporting agency that I had an outstanding XXXX bill that had been sent to collections! I have now paid the bill ( {$100.00}, through the collections agency Contract Callers Inc., on XX/XX/XXXX ), but there is no telling how long it will take for the collection account to come off my credit report, if at all. When I called XXXX, all the representative could say was that they send final bills through the mail, which in my case was apparently not true. While I was a XXXX customer, I always paid on time, and it is infuriating to me that they would send me to collections without ever notifying me, through any form of communication, that I had an outstanding bill. This feels like the action of a scummy company, not a major utility, and frankly I have to wonder if there are any kickback deals happening between XXXX staff and the collections agency. 
I also never received a notification of the debt from the collections agency, but this could be because I had moved again from the address I provided XXXX for my final bill. If they did not receive my account until after my mail forwarding had ended, they had no way to contact me.
Consumer complaint received 2022-08-19
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)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Consumer complaint received 2021-12-02
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 need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-12-02
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)

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. Due to Equifax being a Consumer Reporting Agency and collecting fees for reporting information on consumers, they are not exercising their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

15 USC 1681c-2 states that a Consumer Reporting Agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, no later than 4 business days after the receipt of the following : 1. Appropriate proof of identity of the consumer ; 2. A copy of an Identity theft report ; 3. The identification of such information by the consumer ; and 4. A Statement by the consumer that the information is not information relating to any transaction by the consumer.

Equifax received everything required under the FCRA needed to place a block on the information that resulted from identity theft as proof through CFPB Complaint number XXXX submitted on XX/XX/2021. It is now XX/XX/2021 and Equifax has yet to place a block on all information resulting from identity theft. 15 USC 1681 ( b ) states that consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce for consumer credit in a manner that is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information. If Equifax allows its business partnerships with these organizations to continue to violate my FEDERALLY PROTECTED consumer rights, they will be liable to me for the stress, anxiety, sleeplessness, and any other actual damages caused as a result of the failure.
Consumer complaint received 2022-04-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: ALLY FINANCIAL INC. (AZ)

I had an over $ XXXX 11 month XXXX coming up for renewal XXXX XXXX, 2022 with Ally Bank. Ally Bank sent me a letter about that, giving me a phone number where I could give verbal directions on what action i wanted to take. Within grace period, I spoke to XXXX on the phone XXXX XXXX, 2022 at Ally Bank and directed her to NOT let the CD renew. Rather, to put the funds into an Ally Savings account, which she said would earn only .05 % APR " less '' than the CD. I said yes, do that, but under no circumstances did I want CD to renew. She said she understood and I thought the whole matter was concluded. Weeks later I received a letter congratulating me on my renewal of my CD. I called and was not happy. I told them this was an error on their part. I was advised they would pull up the recorded directions and get back with me. I said yes, please do. I was later informed that yes, they did find recording and I did make this direction BUT I had gotten off the phone before everything that needed to be done was done to complete the transaction. I said how would I know that unless someone told me. Why didnt anyone call me back, OR email me, OR write me a letter, or anything. I further told XXXX, the last person I spoke to on XX/XX/2022, that they had all the information and IF certain things needed to be done in a phone call before the directions were followed out, then that should have been spelled out 1 ) in the initial letter telling me to call, 2 ) at the beginning of the phone call where I gave instructions on what I wanted done. I said I am not clairvoyant. How am I supposed to know something the bank needed wasnt obtained unless I am told? No response. I insisted someone higher in management call me. I was promised they would. That never happened. 

The best I could get from them was an offer to close the account, WHEREIN they would charge me an early withdrawal fee. '' That was completely unacceptable. They wanted to charge me for their error! 

This entire thing is preposterous and Ally Bank shouldnt be allowed to conduct business in this fashion! I would highly recommend people take their banking needs elsewhere. To date, I have not heard one word more about this and now I am earning next to no interest on a very large CD I did NOT authorize!
Consumer complaint received 2021-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I tried to reach Citi bank XXXX, XXXX on XX/XX/2021 7 times to make a report about 6 fraudulent debit transactions from my Citi checking account and my identity was verified 5 times ( by XXXX, by XXXX from fraud department and then I was either promised that fraud repreresentative/investigatior would call me back within 1-2 hours or when keep calling, Citibank fraud department dropped XXXXy phone calls after asking to stay online 2-3 min. I was staying XXXX and more minutes and they dropped my phone calls. I am a victim of identity theft, and a result a victim of 6 fraudulent debit transactions from my Citi checking account in total {$12000.00}. The Citibank is not cooperation from the very first moment to help me to establish a fraud clam and to get a claim number. I will fill out, sign and notarize Citi bank Security Affidavit and mail to Citibank Head Office in XXXX XXXX, TX and to Citibank XXXX XXXX XXXX, XXXX XXXX, NY XXXX. 
Please help.
Consumer complaint received 2021-12-02
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. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems Inc. sent a letter to my address on XX/XX/2022. I received the letter on XX/XX/2022. 
TSI called me on Thursday, XX/XX/2022, to inform me that they would be garnishing my wages if I did not pay this debt in full. They informed me that the debt was to the Department of the Treasury. When I inquired the nature of the debt to the Department of the Treasury, they did not elaborate other than to inform me that non-payment would result in serious consequences such as wage garnishment. They informed me that they would do this in XXXX. This is confirmed on the letter that I received the next day. I asked repeatedly for an itemized list of the debt, the nature of the debt, the interest, fees, services, goods, materials, and/or any item that would help me identify which department in the government I owed that eventually made it to the Department of the Treasury. I requested any information for what I was being charged. They could not provide any additional information. I informed them that the Department of Veteran 's Affairs typically charges me throughout the year for medical services and they take it from my tax refund, which I was fully aware and willing to accept. However, the representative only repeated that they would be garnishing my wages. I again asked, what items will my wages be garnished to pay as a debt. They again could not answer. Their letter states that I have until XX/XX/2022 to dispute the debt or they will garnish my wages to pay the debt. My rights are being violated by Transworld Systems Inc. that has no respect for veterans and should not be allowed to collect debts for the Department of the Treasury in any regard.
Consumer complaint received 2022-10-16
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)

TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last 4 of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..
Consumer complaint received 2021-12-02
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX