davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX ( or XXXX ), I was informed via 2 separate texts that i added myself and XXXX as XXXX receipients. I thought it was weird but the last person that sent me money via XXXX was a friend named XXXX. I added her personally via phone number through my Wells Fargo app. I didnt think anything of it. Then I receive back to back phone calls and a text on XX/XX/XXXX around XXXX concerning possible XXXX  fraud of XXXX. The text sent was very misleading and looked identical to past WF texts. I eventually did answer the phone. The number was also almost identical to wf as it was just 1 digit off! I didnt have to give any personal info, so again believing it was Legit I thought matters had been handled. I was told I would receive a new card and that my funds would be released in 24-48 hours. They also sent a verification text from a common wf 5 digit code that I have received messages from before that are still in my phone to this day! The WF rep was shocked when I told her they had used that particular number and informed that was NEWS to them! The next day XX/XX/XXXX I received what was said to be a follow up call from a similar from the day before. Again just one digit off from actual WF. This one was even trickier! Again another verification code was sent! Within minutes of ending that call I received an email that ANOTHER XXXX was Zelled to new recepient XXXX! I called wf immediately and thats when I knew I had been tricked into answering these identity verification codes so quickly. They werent actually identity verification codes as I was told over the phone and had received so many times in the past! After of almost 90 minutes on the phone with WF. I was told there was nothing they could do and I was stuck until after their 10 day investigation was completed. I am a micro biz and this fiasco is going to literally take me under! I never added those recipients. Any recipients I have added were done via the wf app with a phone number!
Consumer complaint received 2022-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (VA)

I sent a debt validation letter to Equifax. I never received any response back. It has been past 45 days. This is a direct violation of the Fair Credit Reporting Act. Also this Medical debt is a direct violation of my privacy which also is a direct violation of the Fair Credit Reporting Act. Please remove account.
Consumer complaint received 2022-09-20
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. (CA)

I XXXX XXXX disputed some negative items that were showing up on my credit report that were showing up an inaccurate and unfair reporting on my consumer credit profile. I sent all of my paperwork and proof to all three credit bureaus and to this date they have all failed to notify me within the time frame given by the fair credit reporting act ( 30 days ). and it is my understanding per federal law that if any of the Credit Reporting Agencies fail to correct or finish an investigation by the allowed time frame then they must delete the information disputed. In this case all three Credit Agencies have failed to comply by their own policies and federal law. Please help me enforce my rights as a consumer with these companies.
Consumer complaint received 2022-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (TX)

I have been trying to resolve this issue with Citibank for a Wayfair XXXX for the past 7 weeks. Rewards are not posting to my Rewards account balance and I get a different answer every time I call. The terms and conditions of the card are not being met and I would like it fixed. 
When I opened this card in XXXX, my rewards were posted the day after my XXXX statement date. My rewards earned on Wayfair purchases were posted according to the terms and conditions but Citibank has not posted my rewards since the XXXX statement. 
The numerous calls I have made to Citibank have all been fruitless. I get shuffled from one department to another or they try to deflect blame back to Wayfair. Numerous times it has been sent to their offline team and I have had no call backs, follow ups, and received one piece of correspondence indicating their interest rates ( which had nothing to do with the over the phone complaint ). They deemed this matter as resolved. That is inaccurate.
Consumer complaint received 2022-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (IL)

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.

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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CarMax, Inc. (NC)

I called Carmax auto Finance to defer payment account due to unadequate cost disclosures and hardship. Without assuring accurate disclosures of lease terms my account was locked. The only way to access the account was to reset it and acknowledge terms I'm unsure of and definitely don't agree to.This inaccurate and unfair treatment and this has happen numerous of times, being treated in this manner. 

I had a pleasure of speaking to XXXX : XXXXXXXX XXXX XXXXXXXX asking her to defer payment and the meaning and accurate disclosures of the terms in how it was promoted to me. She began to tell me how Carmax Auto Finance policy and also telling me more things about how my account was never updated a year because they took XXXX payments out my account in XXXX month then locked my account and said it was because of declined payment. My financial institution blocked it because of suspicious activity. She said we was unable to help me with my account and couldn't help me. 

This is unethical and unfair XXXX XXXX
Consumer complaint received 2022-11-28
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. (NY)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right 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 1681c. ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681c-2 ( A ) ( 1 ) A person shall not furnish any relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Consumer complaint received 2022-11-28
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. (TX)

FCRA violations : inquires not mine XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5500.00} Status Account charged off. {$25000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$620.00} Status Account charged off. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$2400.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : not my names XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX type Single family XXXX XXXX XXXXXXXX XXXX, TX XXXX Resident type XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident XXXX XXXX family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2022-09-20
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. (VA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-28
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. (FL)

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Consumer complaint received 2022-06-25
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: CBC Companies, Inc. (TX)

Innovis is in violation by reporting innacurate information on my file. This company claims that theyve somehow verified the account of XXXX but did not do their own investigation correctly. I would like to demand that a reinvestigation be done the correct way and I would like to see the documents such as names and contact information of employees that this company spoke with to complete their investigation. Ive sent in many letters and this company has sent back generic letters responding to my dispute. I am exercising my right under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to properly reinvestigate my dispute. Once this company is unable to verify this account that is reporting on my file, I would like for it to be removed immediately.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2022-09-20
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 am a true, and live human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they violated my rightsnumerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681. I have the right to privacy and i did not give Equifax written consent or permission to furnish these accounts. 

XXXX XXXX XXXX, XXXX account number- # # # # # # XXXX XXXX XXXX account number- # # # # # # XXXX XXXX XXXX  account number- # # # # # # XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX XXXX  account number - xxxxxxxxxxxx XXXXXXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX account number - xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-06-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK (IN)

after opening a checking account with " Discover Bank '' on XX/XX/2022, they froze my account on XX/XX/XXXX, XXXX took me 7 days to get my account unfrozen. ( they could have asked photo ID at the opening of the account ) I had a few scheduled payments during that time they all got returned and other companies charged extra service fees. I asked discover to cover those service fees, but they declined. so I decided to close my account with them, and they told me it will take 60-90 days to get my money back. This is beyond acceptable please help me get my back soon. if you look at XXXX and XXXX  reviews you will know this is not a unique case they have been doing this to everyone, please stop this predatory behavior from big companies like discover. I want to tell everyone that do not bank with discover. Thank you.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please update or correct the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (NY)

XXXX accordance with the fair credit reporting act XXXX  account * has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-07-28
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am not liable for this account, it is littered with inaccuracies. I have sent a letter to Equifax on XX/XX/2022 requesting to investigate and verify the Accuracy of the account on my Credit Report. This account ( XXXX XXXX ) is reporting erroneous information on my File. Despite the previous written requests sent to Equifax, they seem to simply ignore my appeals by not responding to my letters. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ) requires the Credit Bureaus to verify and authenticate the accuracy of these accounts. It is unacceptable to continue reporting these accounts as unconfirmed information without producing proof within the time allowed by law. By the provisions of the FCRA, I urge Equifax to investigate the erroneous account and have it removed.
Consumer complaint received 2022-08-22
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: EQUIFAX, INC. (NJ)

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 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, ; XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX ; XXXX XXXX XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.