davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hello, On XX/XX/2021, I became the victim of a scam. I am a Wells Fargo customer of many years. I am a working mother of XXXX small children and I was taking them to the doctor when I received an urgent text message appearing to come from Wells Fargo telling me that I had fraud on my account. I then received a phone call from Wells Fargo ( the same number as their customer service! ) and they told me that there were seven XXXX transactions that were fraudulent and asked me that if they were able to determine who did it, would I want to press charges. I said yes. They then said that because XXXX transactions use a different process, I had to send the money back to myself. I was instructed to send them to ( my name ) and then I would receive confirmation that the money had been sent back to me. The transactions were for : {$400.00}, {$490.00}, {$500.00}, {$520.00}, {$520.00}, {$550.00}, and {$560.00}. I also received an email from XXXX XXXX  XXXX to enter an access code, which I never sent. Then they sent a confirmation email for each of the transactions telling me that I had received the money. I never gave them my email address. That is when I became suspicious and contacted Wells Fargo from my online banking. They told me to file a claim, as there were no deposits, only withdrawals from my account. They said that they would investigate the matter, but in the meantime, all of the funds were gone from my account. I read the error resolution information and it said that if unauthorized transactions occurred, that they would give me 'provisional credit ' until the investigation was over. I never got that! In the next days, I received letters from Wells Fargo saying that the transactions were processed as requested and my case was closed!! They said that as a 'courtesy ', they would continue to attempt to assist with resolution with the receiving institution. 
I would never have done this had I not believed that Wells Fargo was instructing me that there was fraud and that I had to take these steps to help me. I have been trying to research these scams, and I read that many big banks tell their customers that there is nothing they can do, and that they are just out money. I also read that recently the CFPB made a publication that says banks can not do that, and that they can not blame the customer because the customer didn't know that they were doing something wrong. 
I hope that you can help me, and thank you for taking the time to read my message.
Consumer complaint received 2021-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (ME)

Citi Bank XXXX XXXX XXXXXXXX XXXX XXXX, SD XXXX. All of a sudden lowered my credit limit on 2 different cards making the cards almost maxed out which affects other credit cards I have and my XXXX score. 
First card credit limit lowered from {$13000.00} to {$3300.00} card has a balance of {$3200.00} leaving available credit down to {$120.00} which then make my card look maxed out when it was far from being maxed out. With no explanation as to why this was done. 
Second card credit lowered from {$9700.00} to {$2200.00} with a balance of {$2100.00} leaving available credit down to {$84.00} which makes card looked maxed out again with no explanation and affecting XXXX score. Both cards have been receiving payments of more than the minimum amounts due. I feel the is unfair to me and my credit score. I called and all was told cards went under yearly review and credit scores dropped the limit never receive any thing in writing from them about this also.
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (WV)

This is the same complaint I submitted with XXXX, which was resolved in my favor and removed from my credit report. 

When transferring leases in XXXX, WV, I forgot to change my mail. I transferred my lease to a man named XXXX XXXX who currently resides in XXXX, OH after failing to pay the rent on the lease, leaving me with the bill. 

XXXX XXXX could not get his own family to be his guarantor, so I stupidly became the guarantor. The form requires a social security number. XXXX XXXX used my information to order more credit cards and add charges to them. 

The location of my apartment was at the XXXX on XXXX XXXX in XXXX, WV. They have records of XXXX acquiring my lease and bailing on his duties as a guarantee.
Consumer complaint received 2021-12-21
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. (MD)

The alleged accounts that have been furnished on my consumer credit file without permissible purpose of authorization from a judge. Remove XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX and XXXX XXXX. They are not reporting on my XXXX report which means that my credit file is not 100 % accurate Pursuant to the Fair Credit Reporting Act ( FCRA ) I will Attach the XXXX XXXX XXXX File with the above referenced accounts not listed on the XXXX XXXX file. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission. Please delete the items as soon as possible.
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IL)

I initiated an online transfer on the Ally Bank mobile app. This transfer moved $ XXXX from my XXXX XXXX savings account to my Ally Bank savings account. Both accounts are titled in the name of our XXXX XXXX, and my wife and I are both Trustees and authorized signers on both as well. The funds were available funds at XXXX XXXX and correctly arrived at Ally Bank on XX/XX/2022. Per Ally Bank 's tracker, they should have been in my account by XX/XX/2022 at latest. However, it is now XX/XX/2022 and the funds are not even in my current balance. Furthermore, Ally has deleted any record of the funds in the transaction history. The funds are clearly shown leaving my XXXX XXXX account and have not returned. I can definitely get tracking information from XXXX XXXX if Ally tries to lie about this situation and say the funds never arrived. 

When I have talked to customer service reps ( and Ally 's customer service is horrible; and it takes over 2 hours for someone to talk with a caller ), they have said that the funds were transferred to their Loss Prevention Department. However, there shouldn't have been any such issue because the funds were available and I am an authorized signer on both accounts. I even sent Ally a copy of the XXXX XXXX statement to show that funds were available and the titling of both accounts is the same. I have had at least 4 conversations with Ally reps and have waited on hold for over 6 combined hours. How crazy is that?? 

In 30+ years of working with various banks, I have never had such a ridiculous experience. I want my money ( which I'm sure you can understand )! Given the delays, I feel it's time to get the CFPB involved. I am a U.S. Citizen, have never been charged or convicted of a crime, have a high credit score, and have always properly conducted my banking business. There is absolutely no reason to be treating me in this manner. Thank you for your help and advocacy.
Consumer complaint received 2018-01-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PREFERRED CREDIT INC (WI)

I took out a line of credit with preffered credit ive been trying to work with XXXX XXXX the lead supervisor and I want to get a lower interest rate or a credit to be applied to my acc to reduce interest she has not replied to my phone calls XXXXXXXXXXXX
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: KEYCORP (PA)

Hi my name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached denial from KEY Bank and response from their bank office. I have been reading the law lately and According to 15 U.S.Code 1692d1692d Debt collector may not engage in any conduct ( no restriction ) which will harass, oppress or abuse any person in connection with the collection of a debt. Oppressing a right would be conduct not allowed from 1692d. Credit is the right granted and protected by federal law. If any debt collection caused a denial of credit this allows for damages. 

Notice, it is a fact, affiant is aware, credit is a right granted to me as a creditor under the Truth in Lending Act and KEY CORP does not have right to oppress or abuse any part of my character which would restrict or prohibit my right to extend credit. KEY CORP has oppressed my right to extend credit which is a violation of 15 U.S.Code1692d, see Exhibit A, and B. I will also be submitting my findings to the attorney general for further investigation. I would really like for us to come to an agreement and understanding.
Consumer complaint received 2022-09-29
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. (FL)

I am a natural person. I am a living human being. I have the rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts
Consumer complaint received 2022-08-12
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 Fair Credit Reporting Act XXXX XXXX ( # XXXX ) {$1200.00}, XXXX XXXX ( # XXXX ) {$550.00}, XXXX  ( # XXXX ) {$320.00}, XXXX ( # XXXX ) {$560.00}, XXXX XXXX XXXX  ( # XXXX ) {$470.00}XXXX XXXX XXXX XXXX ( # 1993 ) {$8700.00} has violated my rights 15 USC 1681 Section 602 ( A ) states I have the right to privacy. 15 USC 1681 604 ( A ) Section 2 also states a consumer can not furnish my account without written instructions by me,
Consumer complaint received 2021-10-14
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: I.C. System, Inc. (MA)

I tried to contact the lenders they said they could not do anything as the accounts were sold off to debt collectors even though they did not belong to me, They said to contact XXXX and have them removed. I did exactly that now I need to put in the report to block the lenders from reporting someone else 's information onto my credit report.
Consumer complaint received 2019-06-18
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. (NC)

How are accounts be charged off for consecutive months and it still showing a remaining balance?! This is totally ridiculous. please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX, XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX   XXXX
Consumer complaint received 2021-07-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (MT)

I filed a complaint with the XXXX & in CARVANA response they lied & unfortunately I couldn't respond in full because in the limited amounts of letters that I could use. The following is my complaint, furthermore CARVANA states that my XXXX CREDIT SCORE is OVER XXXX LESS POINTS THAN WHAT IT ACTUALLY IS. 

I started with selling my car & at the end of the process I was told that I had to drive 9 1/2 hours for CARVANA to pick up my vehicle, AT NOT TIME during the selling process did it clearly state on the website or when I spoke to NUMEROUS representative that I needed to meet CARVANA in XXXX XXXX, ID. When trying to purchase a vehicle it was an experience I wouldn't wish on my worst XXXX. I spent approximately 10+ hours on the phone & 3 hours texting in a 7 day period. I asked to speak to a SUPERVISOR 7 TIMES & was denied 7 TIMES. I was told in that same 7 day period by 5 different representative 's that they were going to call me back & never did. The final straw was when a representative ( her name started with a V ) STATED " I WILL CALL YOU TOMORROW MORNING & HELP YOU FINISH TRADING YOUR VEHICLE & PURCHASING THE XXXX XXXX ''. I waited all morning, afternoon, & night & she never called. Customer service was terrible & unprofessional. Do business in your community.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

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
Consumer complaint received 2022-12-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (IL)

I opened USBank checking account XXXX around XX/XX/2022. USBank requested me to make opening deposit of {$100.00} and I used my XXXX credit card to do it. XXXX charged me {$100.00} on the credit card. 

However, without my request, USBank made a " XXXX XXXX '' transaction on XX/XX/2022. It caused {$100.00} deduction in the balance of the checking account. Neither of USBank nor XXXX had informed me before I contacted them a month later. 

USBank said " we received notification that we were unable to receive funding from the account used to process the opening deposit ''. XXXX did not refund the {$100.00} charged to the credit card. 

I do not understand why USBank can not talk to XXXX and both have my permission to do so. Customer lose money from bank account but bank does nothing - I do not think it is a standard protocol of financial industry.
Consumer complaint received 2021-12-21
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: EQUIFAX, INC. (CA)

XX/XX/2021 Certified Letter Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Follow Up and Response Requested and Demand for Removal XX/XX/2021 Certified Affidavit Proof of Identity Theft and Documents My name is XXXX XXXX. I am speaking on behalf of myself and no one is speaking for me. I have contacted via certified mail Equifax, XXXX, and XXXX on XXXX separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts, FCRA 605B, 615 ( f ), and 623 ( a ) ( 6
Consumer complaint received 2019-06-18
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)

I pulled my credit report and noticed 3 inaccurate collections reported. These 3 collections does not have a creditor attached to them to clarify. Which is illegal to add any collections without Accurate and all information attached to it. I am assuming it is medical  collections, which was disputed over a year ago and removed. These collections was understood not to report again after being removed. Equifax is known to remove items and put them back and they are also known for continued system failures. Which cause the consumer to constantly having to check behind them versus them going back to see what malfunctioned and fixing the issue.
Consumer complaint received 2021-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

I bought 2 tickets to the XXXX XXXX : The Immersive Experience for {$120.00}. I assumed it was through a company called XXXX XXXX. However, the company was actually called Fever using the name XXXX. Multiple news outlets have reported that fraudulent ways XXXX have misled customers. 

I tried to reach out to the company and did not hear back. I also tried to dispute with the credit card company and did not get an affirmative resolution.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (TX)

On my XXXX  these companies fail to have the hard inquiry removed, these was taken place before XX/XX/XXXX and now its XX/XX/XXXX and these companies still putting a hard inquiry on my credit reports the items has not been removed
Consumer complaint received 2022-02-02
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)

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 FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/20XXXX XXXX
Consumer complaint received 2021-12-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (PA)

I attempted to open an account online for the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I spoke to a CSR and was told that I did not open the correct account even though I followed the Offer instructions but that the account could be corrected on XX/XX/XXXX. I called back on XX/XX/XXXX and was told by a CSR that I could not participate in the offer. I still want to participate.