davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-17
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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Consumer complaint received 2022-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, I have been trying to block transactions for my checking account at Wells Fargo. However, they were only able to get my debit card to block transactions. They said if I wanted to block transactions to the checking account specifically, then I had to go into the bank personally to do it which puts an undue burden on me and my familys finances because we are trying to ration my gas due to the rising prices. 

As a result, they charged me a {$35.00} overdraft fee and refuse to give it back to me due to arbitrary measures such as my relationship with the bank. All I ask is for a refund of my overdraft {$35.00} which I can use to pay for gas, and for Wells Fargo to block transactions so I wont have to pay overdraft fees in the future. Ive already had to recover nearly {$200.00} from them which some of it has been rejected based on their bogus relationship criterion. 

As youre well aware, Wells Fargo is known for their predatory practices on minorities who are on the lower income spectrum such as myself. And I cant afford to keep shoveling out money to a bank that is only concerned with their bottom line and not poor consumers such as myself. 

Sincerely, Anonymous
Consumer complaint received 2022-03-17
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. (NV)

I have informed the credit reporting agencies there has been identity fraud done against me. It is against the law to report any fraudulent information towards my credit report. The law states all information reported should be accurate. This affecting my life and me providing for my children, this has dropped my credit XXXX points. I have no dealings with XXXX XXXX XXXX XXXX XXXX there are other items that are on my credit report that are reporting fraudulently. I demand immediate removal, as I'm prepared to file a lawsuit if nothing is done about this immediately. 

Following account was fraudulently opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened date : XXXX XXXX account type : collection original balance : XXXX
Consumer complaint received 2015-08-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I made a purchase on XXXX/XXXX/15 that was cleared on XXXX/XXXX/15. The bank reconciled my account one week later for a purchase that has already cleared and in the process, funds from my account in the amount {$2.00} are missing and subsequently caused my account to overdraft XXXX. When I saw the mistake that had taken place I called the company to request an investigation into my account to inquire why my purchases were reconciled after they had cleared an spoke with XXXX who informed me, before she even understood my complaint, that there is n't anything she could do to assist me. I then requested a supervisor and spoke with XXXX, employee ID # XXXX, from a New York call center. She informed me that she could not help me and there was not a department that she could transfer me to that could assist me as well. She informed me that she was a manager and there was not someone over her that I would be able to speak with. She told me that none of her managers spoke with clients. This ordeal is causing me a great deal of stress as I have recently lost my job and can not afford fees that I did not inquire. The supervisor insisted on telling me what she was seeing although I informed her that the information in the system is incorrect. Online banking is the only tool BoA clients have to keep up with their funds and with your supervisors telling us that the system is constantly incorrect and that we should not be using it as a way to keep track of our funds is unacceptable. I called XXXX and the call lasted XXXX minutes.
Consumer complaint received 2022-03-22
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)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-28
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. (MO)

Hi I am submitting this XXXX XXXX without 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 Bum. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-04-18
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: Nelnet, Inc. (MA)

This XXXXNELNET report is ridiculous. The late remarks starts at Late 90 days without prior late remarks and it is right after a good payment. I need this to be corrected or taken out for inaccuracy.
Consumer complaint received 2022-03-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (CA)

In XXXX of 2013, my wife underwent a procedure at XXXX. I was the primary subscriber for medical insurance with XXXX. 
XXXX then sent me a check in XXXX 2013 for {$350.00} stating that they are not contracted with XXXX, hence they were sending the check to me, so that I could pay them. I cashed the check and then paid XXXX for this amount. 

After 3 years, I received a debt collection notice from Caine and Weiner stating that I owe XXXX {$350.00}. I got on a call with XXXX representative and then we conference called Caine And Weiner. The collection agent there would not listen to me and kept accusing me of " unlawful enrichment ''. He said that XXXX directly made the payment to XXXX. I then sent a written response and asked Caine and Weiner stating that it was not my mistake if XXXX sent another payment to XXXX and that XXXX ( through Caine and Weiner ) should go after XXXX to recover the over payment. 
I am deeply concerned that Caine and Weiner will report this to the credit agencies without proper due process. I feel strongly that XXXX is resorting to strong arm tactic to cover for their mistake. 
Need your help. 
Thanks and regards
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica (TX)

Account # XXXX Comerica Bank Identity Theft XX/XX/2014 I went to open an account and wasn't able. I got a copy of my report and found that a an account has been opened in my name and committed check fraud. I have no knowledge of this account.
Consumer complaint received 2022-03-17
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: DISCOVER BANK (CA)

12 U.S. Code 83 - Loans by bank on its own stock U.S. Code Notes prev | next ( a ) General prohibition No national bank shall make any loan or discount on the security of the shares of its own capital stock. 

( b ) Exclusion For purposes of this section, a national bank shall not be deemed to be making a loan or discount on the security of the shares of its own capital stock if it acquires the stock to prevent loss upon a debt previously contracted for in good faith. 





Offset the balance. Bring it to {$0.00}. Leave the account opened. 

Open-ended, No limit. 

I express my intent, per law. But I would like to bring the balance to 0 according to US code 15 U.S. Code 1666 and also due to the fact that banks do not lend according to ( 12 U.S. Code 83 ) I know that this Is doable. Also I would like my late payment removed from all credit reports as well due to the fact I have a history of paying on time with XXXX  thank you
Consumer complaint received 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (AZ)

TO BOTH EQUIFAX AND XXXX I HAVE BEEN DISPUTING THIS ISSUE WITH BOTH EQUIFAX AND XXXX SINCE 2020 ... YOU ARE NOT A CREDIT BUREAU. You are buying and selling information which is against my individual right to privacy pursuant to 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction NO further verification or investigation is required you broke multiple laws and i'm not going to take time out of my day to continuously repeat myself... YOU THE CFPB ( Consumer financial protection bureau ) needs to hold these agencies accountable Both EQUIFAX AND XXXX XXXX NOW. I will bring litigation in regards to this matter are it is very clear laws are being broken. 

DELETE THE FOLLOWING PUBLIC RECORD : XXXX  XXXX BANKRUPTCY - XXXX XXXX XXXX BANKRUPTCY - EQUIFAX these are clearly inaccurate and i've already previously disputed numerous times and have came back as verified by the BOTH of you. 

15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction or consent furthermore DELETE THE FOLLOWING EQUIFAX & 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 2022-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I filed a dispute, it came back verified by XXXX XXXX. I contacted lexis nexis and they have no information regarding the information that the credit bureaus said it was verified. Its also been longer than 30 days and I have yet to receive and response or updated credit report showing its been DELETED.
Consumer complaint received 2023-03-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FC HoldCo LLC (GA)

I know that I am behind and doing all I can to catch up but Flagship calls almost each day. Almost each day that they call, they have called anywhere from 4-9 times daily within the month of XX/XX/XXXX alone. I have been communicating that I am doing my best to get this caught up and have already explained to them that the frequent calls are affecting my medically diagnosed mental illness. My fiance, XXXX, has been given authorization to speak with them due to the severity of the effect this has on my illness. Even when she or I have spoken to them they call the next day or two after speaking with them. We have expressed concern about this on different occasions ; the last occasion being around XXXX to XXXX. Even after making a payment we received repeated calls within less than a week from making the payment. 

Also, originally I was told in XXXX that I would be eligible for a loan modification in XX/XX/XXXX but now I am being told I have to make 3 contractual payments before I can receive a modification. We made 2 payments 2 weeks apart but it still does not seem to be enough. In fact it seems the calls have increased even more since we made the payments. 

The last agent that we spoke to on XXXX stated that there is a default on a medical extension and that the extension brought the loan current and that it is again 2 going on 3 months behind. We were told by the agent setting up the extension that it was not bringing the loan current at that time and that it was putting me only one month less behind so I am not sure what to believe. 

I am trying my best to catch up but this is affecting my mental health extremely. I need help not to be bullied and harrassed.It will be helpful if the offer of modification from XXXX for XX/XX/XXXX is honored and the company does not continue to make so many excessive and abusive calls and voicemails. My references have expressed concern with excessive calls also. I would also like for them to not call any more of my references repeatedly because they have my contact information.
Consumer complaint received 2022-11-09
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. (LA)

15 USC 1681c-2 FTC VIOLATION XXXX XXXX, EQUIFAX, AND XXXX FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. XXXX, EQUIFAX, AND XXXX REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.
Consumer complaint received 2016-12-07
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION (MS)

I am receiving between 5-10 calls a day at all times of day and night, during work hours, at night during dinner time, weekends, on XXXX during church service. When trying to communicate with callers, I am shamed or blamed for preexisting & new medical issues and confitions that prevent me from working and having a steady income.
Consumer complaint received 2016-07-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC. (FL)

I managed a Trust Account through SunTrust Bank ; the Trust Account was established in XXXX XXXX. XX/XX/XXXX, the account was compromised when a check was intercepted and the original payee changed. I reported the fraud to the bank and XXXX XXXX XXXX, Personal Banker, was very helpful throughout the process. I requested that the old account be closed and a new account opened on XXXX XXXX, XXXX to avoid any future fraudulent activity. 
I submitted the same documents when I opened the original account to the Trust Department for review. Upon reviewing the document, they requested proof that the Will has been probated. I submitted the final document I received from the Orphans ' Court for XXXX XXXX County, Maryland. This document was also rejected -- now perplexed, I called the attorney whom probated the Will and was instructed to submit the original Letter of Administration from the State of Maryland and was further instructed to inform the bank that probate in the State of Maryland is not settled under seal, therefore, no court seal exits for the final accounting of the estate. I submitted same to the bank on XXXX XXXX, XXXX and got the manager of the branch involved in the matter. I received a called from XXXX XXXX this afternoon notifying me that the Trust Department rejected the information presented and that they are closing the new account and transferring the funds back to the original account where the fraudulent activity occurred. They refuse to speak with my attorney.
Consumer complaint received 2023-03-29
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)

I was an authorised user on a my friend 's XXXX credit card from XX/XX/XXXX to XX/XX/XXXX, with account number ending in XXXX. 
Again, I was an authorized user, not legally responsible for account in addition to having no involvement or access in ensuring the payments were made on time. 

I disputed with three Credit reporting agencies as soon as I was removed as Authorised User. XXXX and XXXX deleted the account immediately but Equifax is still reporting the history of the card up until I'm removed. 

I contacted XXXX and they said they have a policy according to which they will continue to report the history for the time period I was Authorised user which I believe is a violation of law because they are reporting an account that I'm not legally responsible for repayment. Authorised user agreement states that, I as an authorised user is not responsible to repay the card even if I used it, which means I an not legally responsible for the account repayment and it can not be reported in my credit reports, hence the violation from XXXX, according to FCRA. 

Now Equifax is classifying me as a primary card holder rather than an authorised user for the time period its reported. I don't know if XXXX is inaccurately reporting it that way or equifax is misinterpreting what's reported by XXXX. In any case, I think that misclassification is preventing equifax from removing this account from my report like XXXX and XXXX promptly did. 

My dispute with equifax clearly states that I am not legally responsible for this account but they failed to investigate this properly and thus EQUIFAX is in violation from according to FCRA.
Consumer complaint received 2018-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/XXXX I sent XXXX a dispute letter and received a response about debt settlement on XX/XX/XXXX. It was past 30 days when I received the response from them. I asked them not to contact me yet they still call from local numbers. I called XXXX back in XX/XX/XXXX to find out about doing a " pay for delete '' and was told that THEY CAN NOT GRANT my request. I had several other collection accounts with XXXX in the past and they were removed without me paying a dime. They are conducting illegal activities.
Consumer complaint received 2023-03-29
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. (NJ)

Late payments of 30 days were reported to the credit agency. These dates were on XX/XX/2022, XX/XX/2022, XX/XX/2022. Payment was made to Macys credit card and account has been brought active. Currently, Macy 's account has no balance. These late payments occurred to the Covid 19 Pandemic Outbreak in New Jersey. I am asking for these late payments to be deleted from my credit report.
Consumer complaint received 2023-03-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Team Recovery Inc. (OH)

The open dates for are not accurate and the account numbers are invalid. XXXX, never represents or corresponds to approproate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.