davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-22
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX, XXXXXXXX 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 2016-09-12
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I received a check from Carrington Mortgage Services in XXXX XXXX and misplaced the check. I tried to cash the check in XXXX XXXX and was denied by my bank. I called Carrington in XXXX XXXX to request a new check and was told they will reissue it. Subsequently, I called every month to check on the status and received no check. I called them in XXXX and was told that they will reissue it. I called in XXXX XXXX, XXXX and spoke with an agent named XXXX who told me that the check was endorsed and cashed. XXXX told me to request XXXX XXXX ( my bank ) to fax over the letter showing that the check was not cashed. I called XXXX XXXX and they did faxed it to XXXX, the number XXXX gave me. I called back on XXXX XXXX, XXXX and was told by a female agent named " XXXX '' that Carrington never received the fax and the number belonged to another individual. XXXX informed me that she will email XXXX and his supervisor to follow up with me to resolve the matter. They have yet to call me. No one at Carrington had ever called me back to resolve this matter since XXXX XXXX.
Consumer complaint received 2022-04-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was approach by XXXX XXXX regarding a job offer in XXXX XXXX On XXXX XX/XX/2022 he did the virtual interview for a position XXXX XXXX in In XXXX XXXX and used an email XXXX To send me job offer letter W-4 form and I-9 form I submitted all my legal information and send an email back thanking that is a real job offer and found out it was a scam he sent me using XXXX XXXX email XXXX and send me a check of {$3800.00} and asked me to deposit it in my account and send him the screenshot afterwards he asked me to proceed the process faster and send him {$1500.00} through XXXX So they can process the office supplies it was a work from home job. On XXXX when I woke up and followed up on my job I saw there was no conversations left on the XXXX where he did the interview and he was talking to me. Check the balance in my chase bank and my bank refused to divorce the payment and flagged as fraud I did reported to XXXX county police and they made a report. 
Company involved in this scam Is XXXX XXXX XXXX name XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Only phone number I have of them is XXXX.
Consumer complaint received 2022-04-22
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 (FL)

I lost my wallet and someone took my documents my cards used to make purchases and spent all the money I had on the cards, with all this comes all these collections on my credit interfering with my credit preventing my score from going up so I came to ask for help you guys please delete these fraudant collections on my credit
Consumer complaint received 2020-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services (PA)

I took out a loan with Lenmark financial and I defaulted on the loan Lendmark financial then sold the debt to XXXX XXXX XXXX XXXX. I settled the deck with XXXX XXXX XXXX XXXX and they gave me a settlement letter the account on my credit report is still showing derogatory and charged off I filed a complaint with consumer finance. XXXX XXXX replied that they reported the status of my account to the creditor. Lendmark has not updated my credit report to show settled.
Consumer complaint received 2022-04-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

There was a third party being part of my account. I had to pay about 3years straight {$350.00} so my loan interest would not go high or have any late payments. Also it was supposed to be also as getting the Loan at its lowest and would not have to pay the full amount. The person " XXXX '' was assuring me to get my loan cleared and paid by Government payoff that was supposed to happen. ( It never happened they were just charging me. ) Not sure what needs to be done. I would like some help to put the complain in and see if I can get my money back from them for charging me for free services that should have been given this entire time.
Consumer complaint received 2022-04-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

XX/XX/XXXX there was {$880.00} charge on my credit report that I believe is fraudulent! I have reached out to AR RESOURCES multiple times via phone & email, without having anyone return them. I even called the original debt collector and they have no information on me. I have disputed this fraudulent charge on XXXX as well as XXXX. I have not been able to reach anyone from AR Resources to resolve this fraudulent charge. I have emailed and left phone messages asking for PROFF OF OBLIGATION, with no response. I have given them every email, work and personal phone numbers to reach me. No reply on over the years. The most recent dispute was done on XX/XX/XXXX and still am waiting for the response. I have reached out to XXXX XXXX as the person in charge of AR Resources via phone and email.
Consumer complaint received 2022-09-30
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: Experian Information Solutions Inc. (MI)

I have filed numerous complaints against XXXX, Experian and XXXX XXXX for Unauthorized use of my Information. All credit Reporting agencies have been notified numerous times. Noted by CFPB numbers XXXX, XXXX, XXXX and other complaints. XXXX XXXX  Account Number # XXXX no info available, XXXX has not obtained proper information as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Nor has Experian obtained proper information ( XXXX XXXX XXXX Account Number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ), as according to 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
Late Payments listed from XXXX XXXX, XXXX XXXX  XXXX  XXXX list late payments as 30 days then 120 days etc. No intermediate times listed. All late Payments from all Credit Reporting agencies shouls be deleted.
Consumer complaint received 2022-04-22
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. (CA)

There is a XXXX account on my report that is not mine. I was a victim of identity theft and made a police report ( approved ). There should be no reason why this is still on there. 

My rights have been violated through the Fair Credit Reporting Act .... 

XXXX # XXXX XXXX5USC 1681 Section 602A states I have a right to privacy 15USC 1681 Section 604A sec 2 states a consumer reporting agency can not furnish an account without my written instructions or consent.

Please honor these laws by simply deleting this fraudulent account ... this does not need to escalate to the court.
Consumer complaint received 2022-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

My Name is XXXX XXXX I have been banking with Wells Fargo Bank XXXX California Since XXXX, l have both personal, saving and Business Account with this Bank ; On the XX/XX/XXXX at about XXXX I was at wells Fargo Bank XXXX XXXX XXXX XXXX XXXX CA XXXX at the bank ATM machine inside XXXX store right beside Wells Fargo Bank XXXX I deposited {$120.00}, {$20.00} dollar bills with my Business debit card ending in XXXX and the ATM Machine Hocked my money and the ATM machine Malfunction and could not deposit nor return my money. 
I call one of the Banker I was speaking to earlier XXXX XXXX XXXX ID : XXXX to come and help and she followed me to the ATM and saw it jammed and malfunctioned, when i told her I need them to open the ATM machine so that I can get my money back because I needed to pay an urgent bill, she told me they can not do that in the bank but I should call a number at the back of my card and complain. 

i called the number and I was given a claim number XXXX and was told it will be investigated within 10 business days and they will get back to me I complained XX/XX/XXXX right in the bank on a chair for customers of the bank. and left I called the bank after 10 days when nobody called me and I was told that the matter has been finalized and the result says the money was returned to the customer and there was no deposit. 

I went to the bank XX/XX/XXXX Met one XXXX at XXXX she told me she is aware of the matter but XXXX was not on duty that day, took the claim number again and said the matter will be escalated because they saw what happened. I went back to the bank XX/XX/XXXX to let them know that wells Fargo customer service agent told me that the money has been given to a supposed customer but not me because the ATM machine stopped working and the banker asked me to call a number and after that call I left the bank premises when i was told I will be contacted within 10 business days and no money was returned to me. 
I met banker XXXX XXXX Personal Banker XXXX XXXX ID XXXX on XX/XX/XXXX XXXX who contacted customer service and was told that they have the video footage of the customer who received the money after the machine was opened by the machine technician, Banker XXXX asked if they could produce the video footage, customer service agent said they can not unless through the police. 

I went to the Police station in XXXX XXXX California to report this injustice and was given A police report Number XXXX XXXX. XX/XX/XXXX .DEP NAME XXXX. 

The bank sent me Letter saying there was XXXX deposit on that day which contradict customer service which says the customer was given the money and there was a video footage. 

Please see police report number and well Fargo Bank letter sent to me.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Equifax Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc. (RI)

Sofi send response you have check my id intelegence check Id was occurred because lost my residence and driver license I need proof this investigation because my name is already change never opened account with your company never received validation of proof this debt under doctrine I lf you have. proof selfi send me proof this picture and driver license yor scam because not s correctly I dont accept this result trying several time contact us and dont received your proof nothing you have my information because lost everything is match in otherwise account yo say is opened fraudulent ready close for XXXX XXXX XXXX Need proof all your investigation
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2022 I deposit a XXXX XXXX check in our account through the ATM. The check was for a refund from a money order in the amount of {$480.00} XXXX  # XXXX & {$480.00} MO # XXXX. Total of both checks was {$970.00}. Wells Fargo stated the checks had a stop payment on them and the funds were not collected. My account will close due to fraud on XX/XX/2022. I reached out to XXXX. A female representative repeatedly says the funds were available. I received a copy of the cashed money order showing the funds were paid. I called Wells Fargo again on XX/XX/2022, explaining what XXXX sent me. The representative insisted the checks were fraudulent. Wednesday, I sent copies of the checks to XXXX and asked them to waive the processing fee, because my account was closing due to the checks being fraudulent. I asked a for a XXXX or supervisor to call me or at least email me. I received nothing. I still have outstanding checks that XXXX insisted they couldn't cash due to a stop payment order placed on them. Here are the other XXXX money order numbers XXXX  # XXXX Amt {$500.00}, XXXX  # XXXX Amt {$50.00}, and XXXX Amt XXXX. Please have the fee waived on all XXXX money orders and include {$30.00} additional fee for the previous money order that caused my account to close for fraud.
Consumer complaint received 2022-04-22
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. (OK)

A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (IL)

On XX/XX/XXXX, I opened an account online with Citibank. I completed the opening deposit during the process in the amount of XXXX from my Savings account at another institution. On XX/XX/XXXX, I received an email that my account is being closed. My opening deposit would be returned in 30-60 days by mail. I contacted the fraud department of Citibank and they informed me that there is a hold on my account and they have initiated account closing procedures and I would received the opening deposit back within 30-60 days. I asked them how can I get it back sooner, I was told I could visit a branch and they can call in and have the block removed and could refund my opening deposit. On XX/XX/XXXX, I met with a personal banker and she called the fraud dept. and they told her that my deposit would be refunded within 30-60 days by mail. I asked her to have them reconsider because I do not want a XXXX check to be mailed and I should not have to wait 30-60 days for my funds to be returned. I did not get anywhere with them. I am contacting the CFPB to file a complaint because I should not have to wait 30-60 days for my funds to be returned.
Consumer complaint received 2019-07-25
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. (TX)

XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX   refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way
Consumer complaint received 2022-04-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Majority USA, LLC (CA)

On XX/XX/15 - I was unable to log into the Majority online app to access my account. I requested online support to resolve the login issue. I received the following message : " XXXX XXXX, The trust and security of our members and their accounts are of the utmost importance to us. For this reason, we routinely review accounts to ensure there is no potential risk. During a recent review, we discovered unusual activity on your account, which is why we have decided to close it. 

No further action is required from you at this time. 

Thank you, The MAJORITY team '' I replied 3 times with messages over phone and email asking for more information. I have not received any additional information. 

Additionally, Majority has not provided me any documents after my account was applied for and opened, or since its closure.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have disputed fraudulent information. It has not been removed and the consumer reporting agency is in direct violation of FCRA 605 CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the 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.

The block must be no later than 4 business days The information is fraudulent. 
The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agency immediately removed and blocked the fraudulent accounts when proper documentation was received which is what equifax received. Maybe they arent familiar with 605 or dont care about it but they are violating it nonetheless
Consumer complaint received 2022-08-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (AZ)

I was not late30 days on my mortgage with NR/SMSXXXX  they marked me 30 days late on XX/XX/2022. I called them and they were awful to me. I felt very discriminated because of my accent. I want this removed immediately.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the fair Credit Reporting Everything has to be accurate on my credit Credit bureau stated my account was properly investigated but how is that possible if the open date is in accurate..This ground for removal immediately they also violated my rights under..15 U, S, C SEC 1681A States I have the right to privacy.15 U.S.C Section 604 A2 : it also states a consumer reporting agency can not furnish a account without my written instructions...
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (PA)

On XX/XX/XXXX an XXXX XXXX XXXX was started at XXXX XXXX XXXX, XXXX, XXXX. Account was closed on XX/XX/XXXX with an balance of XXXX