davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mar Joe Enterprises (AR)

Not sure of the dates that i have reached out and file disputes and said that I was not able to do so. I have tried numerous times to just pay the XXXX , and they wont take payment. Will not tell me where to send it. The only reason i was going to pay it bc it is just XXXX XXXX  and i want off my credit. I have never not paid my bills. I have no ideal where this even came from. I need it resloved.
Consumer complaint received 2020-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (AZ)

I had a Sears credit card through Citibank that was closed in XX/XX/XXXX or XX/XX/XXXX with about a 5 year repayment program at zero interest. All payments were made in full and on time until the coronavirus, or covid-19, hit in XXXX. I contacted them as my XXXX  were mandated closed plus XXXX XXXX used the writ of force majeure to cancel months of bookings at my XXXX  with no notice and without the contractual compensation. Additionally I am a XXXX XXXX XXXX and that was obviously shut down. 

I contacted Citi to explain that it would take me a couple months to navigate and figure it out as I was facing an instant $ XXXX loss with no notice. They stated that as long as the loan was paid off in full by the end of the agreed upon period ( one of the accounts is already fully paid ) that it would not be an issue. 

After a couple of months of figuring things out I paid everything and caught the accounts up. One is paid off and one is now completely current. Despite this Citi has reported me to the credit bureaus as having been late. They offered NO covid-19 deferment or patience and they lied about their procedures. One rep wouldn't even tell me what the protocol was. 

My credit tanked as a result of this reporting. It was used against me by other banks to close many of my cards and lower the limits on many others to exactly what I owed. Some accounts went from an {$8000.00} credit limit to the {$1000.00} that I owed them. This has destroyed my debt/income ratio. When I have tried to use my credit since it is used as the reasoning for denial. 

This will not be on my credit for 7 years apparently, rendering over 4 years of perfect payments completely meaningless. It is preposterous to do this to an individual who has lost their source of income at a moment 's notice without warning due to no fault of their own from this act of God. This was a force majeure event for me as well, and if banks and corporations can use this legal precedence against a consumer then I should be allowed the same grace against them. 

I caught these accounts up and I have as close to a perfect payment record as you can get.
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (AZ)

For case XXXX, Wells Fargo has violated multiple consumer protection laws and thus I need CFPB take enforcement action.

1. For the unauthorized transactions amount at {$12000.00}, as its clearly indicated in the police report, the transactions was unauthorized and was categorized as fraud. However, XXXX failed to provide any response indicating why the transactions were considered as not fraud -related, nor provided any evidence to provide customer 's authorization. Stop payment is not sufficient cover the loss. 

2. Additionally, Rule 1005.11 ( c ) No provisional credit was given within 10 business days of receiving the error notice. The oral notice was given to the bank on XX/XX/XXXX and written notice was given XXXX after several follow ups. However the bank fails to provisionally credit the consumer 's account in the amount of the alleged error. 

3. Rule 1005.11 ( c ) ( 4 ) ( ii ) When I reported the case to the bank, the bank failed to provide Written explanation. The institution 's report of the results of its investigation shall include a written explanation of the institution 's findings and shall note the consumer 's right to request the documents that the institution relied on in making its determination. Upon request, the institution shall promptly provide copies of the documents.

4. Rule 1005.6, Following the law, timely notice was given to the bank both in oral and in written. As such, consumers are not responsible for unauthorized transactions. With XXXX 's Zero Liability protection, consumer won't be held responsible for any promptly reported unauthorized card transactions. However, XXXX hold the consumer reliable for such fraud activities. 

As such, I need the bank provides explanation for each points since it violates multiple laws. Especially the basis of determine that this is my authorized transactions.
Consumer complaint received 2019-06-27
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  and/or the credit bureaus are reflecting late payments on my credit files from XXXX and XXXX although a retroactive forbearance was in place. Moreover, the late payments are essentially more than seven ( 7 ) years old. This information has been disputed directly with XXXX  and with the credit bureaus and is potentially pending litigation.
Consumer complaint received 2022-02-01
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: CBC Companies, Inc. (GA)

This is to inform all three credit bureaus that a Florida Department of Revenue sent a letter to show this account was paid in full. The date it was closed. Your agency is reporting that this account was 120 days past due. However, this account was not 120 days past due. Please also be aware that any negative mark found on my credit reports ( XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the Fair Debt Collection Practices Act ; therefore, if you can not validate correct payment history immediately. The request is to remove the erroneous information with a full deletion. 

1. Delete 120 days late payments ( this is not correct ) 2. Delete this is a government collection account 3. The date when closed is incorrect. 

According, to the Fair Credit Reporting Agency any incorrect information on the credit report is Defamation and a Violation of the Fair Debt Collection Practices Act
Consumer complaint received 2022-08-03
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: Early Warning Services, LLC (FL)

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my XXXX XXXX Early Warming Systems consumer report : Dispute : Source of Information : XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : XXXX Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from XXXX & Early Warming Systems or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my XXXX XXXX Early Warming Systems report. I have attached documents to verify my identity
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I have been unable to request my report from XXXX XXXX XXXX and XXXX monitoring services. They give me error dialogs which state that the issue is with Equifax. I have called Equifax multiple times and waited on hold for 3-4 hours to have them solve the problem and they have found no issues with my account. A supervisor was finally able to tell me that the issue is with my somehow having two erroneous/duplicate accounts with Equifax which must be merged. When he put me on hold to fix this, I was hung up on. I have tried calling to get through to a supervisor multiple times and one never becomes available. No customer service representative can find a fraud alert, block, or see the duplicate accounts associated with my account. Nobody from the company has offered to call me back and their policy is to tell me to hold until a supervisor becomes available, checking in every 5 minutes. This has been very disruptive to my week and caused me to be fired from my job.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2022, I XXXX XXXX, sent a letter requesting that Transunion reinvestigate some inaccurate and unknown accounts on my credit report to this day over 45 days later I have yet to receive an response from Transunion. I feel as though I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately " REMOVE '' those items from my credit report. It has been over 45 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 have caused me. My information was also impacted by the XXXX data breach, and OPM data breach and may have gotten into the wrong hands
Consumer complaint received 2021-11-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The I C SYSTEM XXXX shows derogatory information on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

I have multiple accounts in Ally bank since 2011. But for almost a year, Ally bank mobile application is not working. For almost last 2 years, if one call Ally - there is a wait time of 45+ minutes. On chat, you can never get hold of real human being. 

Without mobile app, I can not deposit a check. If i have to use the internet browser and scanner for depositing a check, I would like ally to pay for my scanner expense. 

Ally being onlineXXXX XXXX it has to make sure customer service is reachable without such long wait time and customer can do everything form mobile app.
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/2022 I went to capital one to buy XXXX XXXX euros =XXXX dollars I left the bank ( 20 minutes later I made the cancellation throw a phone call to the same location, they told me that my XXXX will be refund in 5 days!! It is exactly 2 month and they didnt put my money back ), I so many time I call the bank I speak with a least 5 supervisor etc the only answer it they still have a investigation, or some time they just tell me they dont know how long it will take!! It is look scan and feel frustrated, ( the bank told me the problem was that those type of transactions cant not be canceled, but they did it their employee did it over the phone!! 
I mentioned to the bank if you never call me to pick up the euros how is the process ( you order the money and the bank take 3-4 days to call you and tell you the money is ready ) I never receive the call because the transaction was cancelled!!! The problem is they are holding my money more than 2 months I am XXXX  I am not working I need to cover my needs!! The bank dont wan na admit they internal problem! And I like a customer I am paying the consequences!! They line are recorded the only need to verify XX/XX/XXXX XXXX at XXXX approx to conclude the problem and refund my money.
Consumer complaint received 2022-02-01
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. (TN)

On XX/XX/2021 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 back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the equifax data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.
Consumer complaint received 2022-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY (OK)

I have been informed that I am very likely the victim of identity theft. This has been brought to my attention by a credit card issuing agency ( XXXX XXXX XXXX XXXX ). They contacted me over the phone to confirm an application I never submitted. Disturbingly, they provided accurate personal details on their end that was provided to them by an unknown individual ( identity thief ). There are unrecognized inquiries on my credit report and an attempt to open a credit card account I have not applied for. My social security number has been compromised as well as other private details like phone number, address, and even my state issued drivers license number. My tax returns may also be target and potentially filed for me, as well as bank accounts attempting to be opened per my credit reports.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

On XX/XX/2021 Citi Bank denied my request for credit limit increase on my credit card. 
12 CFR 1002.4 ( a ) " Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. '' Citi bank has discrimined against me. They are in violation of federal law
Consumer complaint received 2022-08-03
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)

the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2021-11-08
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: Self Financial Inc. (CA)

I have attempted to dispute the company, XXXX XXXX XXXX, off of my credit report but XXXX has not wanted to remove it. The creditor, Self Inc, has sent me a letter confirming that this debt was opened fraudulently and it should be removed but XXXX is continuously keeping it on there even after I have submitted the proof. I have even had the creditor contact XXXX to let them know that this debt is not mine but to no avail.
Consumer complaint received 2021-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Complaint : ( XXXX ) has violated 15 U.S. Code 1692c - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I have NOT given permission for ( XXXX ) to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of 15 U.S. Code 1692c-section b . 

Equifax must remove all information reporting from and relating to ( XXXX ) including third party debt collection accounts associated with ( XXXX  ) because the account and information has been transferred and sold ILLEGALLY according to 15 U.S. Code 1692 c-section b. 

XXXX Equifax Account # :XXXX Account Type : Revolving Account Type - Detail : Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened:XXXX Balance : {$0.00} No. of Months ( terms ) :0 High Credit : {$2500.00} Credit Limit : {$0.00} Past Due : {$0.00} Last Reported:XXXX Comments : Account transferred or sold Charged off account Date Last Active:XXXX Date of Last Payment:XXXX
Consumer complaint received 2022-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXXXXXX XXXX  Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Consumer complaint received 2021-11-07
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: WELLS FARGO & COMPANY (GA)

My identity was stolen by my XXXX. I alerted you all of this. I filed a police report, placed freezes on all credit bureau 's. The initial response was that an investigation indicated that the account did belong to me and there was no evidence of fraudulent activity on the account. Your company is right about the owner of the account. However, my personal assistant at the time, my younger brother, had access to my financial data. As apart of his job he ran errands for me that included him making purchases. Running to get me coffee, buying a piece of furniture my interior design business, etc. He had access to most of my accounts. This account was a major account that he had access to. I urge you to remove this derogatory remark from my report as I continue to work with the FTC and local law enforcement to protect my identity.