davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (MA)

Hi DISCOVER FINANCIAL SERVICES ; Im confused stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-11-13
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. (CA)

Investigation took more than 30 days and nothing was changed when clearly there are misleading incorrect information and inaccuracies on my XXXX XXXX credit report.. attached is the evidence clearly supporting that!! Only a blind person won't see it!! STOP VIOLATING MY RIGHTS AND DELETE IT IMMEDIATELY!!
Consumer complaint received 2019-12-25
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: CITIBANK, N.A. (CA)

My complaint is against Macys # XXXX. CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Macys to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Macys, stating the removal of FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and have the account remove, but if you want to go to court, that way it shall be. Thank you!
Consumer complaint received 2017-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

I sent certified letters to the credit bureaus as well as the creditor. They both responded that the information is being reported correctly. The delinquent accounts were paid over a year ago and the creditors agree there is not balance yet the items are still showing delinquent at the credit bureaus. XXXX loans with XXXX and XXXX account with XXXX
Consumer complaint received 2022-11-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022, there was a wire transfer of {$99000.00} wired out of my account through a walk-in service request in New York XXXX On XX/XX/XXXX, another wire transfer of {$60000.00} was done in the same fashion. Shortly after the {$60000.00} transaction, another attempt wire transfer request of {$62000.00} was made and at which point, I received a text message alert seeking to verify the transaction. I denied it right away. Alarmed with the situation, I logged on to my bank account and was required to change my password. Once I reset my password, I noticed that {$60000.00} and {$99000.00} wire transfers were made without my knowledge. I then called Chase 's fraud department and reported the incident. They said that they will send me documents to sign to complete the complaint. I then contacted my local banker. Through further investigation and inquiry, I became aware that similar cases have occurred at Chase branch offices. I was advised to contact the Department of Public Safety to see if there is any request for my Driver 's License made. I went to XXXX on XX/XX/XXXX and only there I was advised to report the incident to the local police. The trooper informed me that this happened to Chase Bank and that the Bank is responsible for the case as they didn't verify my ID properly. I went to XXXX XXXX police station on XX/XX/XXXX and the incident was recorded with pending detective investigation. The Chase Bank local banker filed a complaint on my behalf within the Chase system. Afterward, I received a call on XX/XX/XXXX acknowledging my claim. A follow-up call later in the week was made by the same department/person requesting a police report. The report became available on XXXX XXXX and I sent it to the bank immediately after receiving a copy. On XXXX XXXX, the Chase agent called me and informed me that the {$99000.00} claim is denied. The reason for the denial is that they only give the client 30 plus 5 days to file a claim. This is the first time I heard this. There is no document disclosed to me stating this limitation. The detective, the police officers, and the trooper that I spoke to on the case all stated that this happened before to others and the bank is liable to refund the stolen money under their governance. I also searched the internet for similar cases and got the same conclusion. As multiple incidents happened with Chase bank New York Branches, there is a clear mistake on Chase 's side. Their verification process is flawed and allows fraud to occur. They have allowed criminals to wire transfer large amount of money without further verification using either fake ID or ID obtained via illegal method from local branches in New York while the ID shows Texas address A bank 's clientele should not be responsible for damages caused by the Bank 's inadequate security and failure to communicate, regardless of the timing of the claim.
Consumer complaint received 2019-12-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (AZ)

See the attachment attached below. 

I'd like answers to these questions. 
Why was the {$49000.00} cashed when it was never applied???? The XXXX bill pay says the money will not be removed from my account until the check is cashed. The money was removed from my account. 
So, where was the money after it was removed from my account?? According to the Bill Pay the money is only taken from the account AFTER the check is cashed. Yet, I was told the CHECK was being returned per Nationstar phone calls on XX/XX/2019. Instead the check was cashed and the money taken from my account on XX/XX/2019. Then XXXX Nationstar Mortgage sent a check from XXXX to an address I have not used for years. My address had been updated every time it has been changed. The check took weeks to arrive to my correct address. Amazingly after 2 address changes over 3+years, thank you US Postal Service XXXX for getting the check to me. 
So, I have a check for {$49000.00} that arrived weeks later after the money was removed from my account. 
I still hold on to the check. If the check was not applied to my mortgage why was it cashed??? According to Bill Pay the check was cashed. 
Where was the money from the time it was cashed on XX/XX/2019 till the time XXXX wrote another check to me and sent to the wrong address?? 

For explanation of the complaint and the response, see attachment. 

This situation has shown incompetence, absolute lying, making up rules to fit their own agenda and cover their own mistakes. These are people representing a mortgage company. 
The person, XXXX XXXX, XXXX, says to call and she never picks up her phone. She then says she will schedule a time at " my convenience ''. I work 16 hours a day and can not talk on the phone during that time. She never called when it was convenient for me because she works her convenient shift and leaves. 
How is it they just make up their own rules as they so fit their agenda?? 
If employees like XXXX XXXX, XXXX, are so overworked and stressed out then XXXX needs to provide some EAP services. If not then why are they not performing their jobs??? Is it entitlement to not provide customer service to maybe certain age groups?? Down with the baby boomers who caused all the worldly problems?? Certain genders get no respect?? Certain people who work 7 days a week 24/7 to better there life get no respect?? NOTICE I AM WRITING THIS ON XXXX DAY!!!! XXXX employees/ Nationstar employees are sure not working.
Consumer complaint received 2022-01-21
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: CITIBANK, N.A. (IN)

I have no knowledge of an account appearing on my XXXX credit report. Citibank XXXX shows a Balance/charge off {$660.00}. This is not my account and have never given anyone my permission or the authority to add me to their account as an authorized user.
Consumer complaint received 2022-01-20
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. (NC)

XXXX XXXX XXXX confirmed that four collection accounts held by them were sent for deletion from all CRAs. They originally sent the request in XX/XX/XXXX I filed a CFPB complaint against both companies on XX/XX/XXXX. XXXX XXXX XXXX provided a letter stating that all collections should be deleted on XX/XX/XXXX and responded to the complaint by saying they resent the deletion request to Equifax. I have attached the letter. Equifax gave no resolution, only a response that they are investigating. 

I checked my XXXX credit file to find one of the collections in question has a date reported of XX/XX/XXXX, affirming the false information that should be deleted. I have attached a picture. 

I dont understand what the issue is Equifax is having here. The original collections company agrees the accounts should be deleted.
Consumer complaint received 2019-12-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/19 I spoke to XXXX ID # XXXX from Barclay Bank informing them the account opened was fraud. I was told not to worry the account is closed and their fraudulent department was notified. On XX/XX/19 I received a credit card in the mail # XXXX, I spoke to XXXX who apologized and sent me an email confirming the account was closed. Today XX/XX/19 I spoke to XXXX who could not explain why another credit card was issued # XXXX and once again stating this account is closed. 

I have no faith in Barclays Bank and asking for your help in this matter. 

Please do not hesitate to contact me. 

Your help in this matter is greatly appreciated. 

Sincerely,
Consumer complaint received 2022-01-20
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. (IL)

I recently pulled My credit report and seen that I had a lot of unknown addresses from XXXX Ga and credit inquires and a filed Bankruptcy in my name. I have no knowledge of these accounts, addresses and inquires.
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (WI)

When I investigated my credit report, I realized that some of the information was unknown to me. I send a complaint to inform that I am a victim of identity theft and I sent letter to Credit Bureaus on XX/XX/XXXX to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items are mystery to me.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. Please Remove the following items listed : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$740.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported:XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/ReportedXXXX Reference # : XXXX ; CXXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ;
Consumer complaint received 2022-01-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: MoneyLion Inc. (TX)

Money line extended a line of credit and which I paid on. Recently the payments were not going through no matter what type of account I was using. They blocked my checking account and they blocked my savings account to allow payment. I reached out and spoke to XXXX XXXX and which I have correspondence saved. Explain that I have change cards I have changed payment options in regards to checking and savings account and nothing was going through for payment. Previous to speaking to her I was transferred several times amongst representatives because nobody could help. Overall I believe I was denied payment and they accelerated my loan and sent it to the credit bureaus for charge off. They were very rude to me and then nothing in regards to allow me to speak to XXXX XXXX directly via phone call. She sent an email with a phone number and which I called and was never transferred to her. I was left with a charge off and XXXX on my credit.
Consumer complaint received 2022-01-20
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: WELLS FARGO & COMPANY (CA)

Wells Fargo routinely fails to award bonus cash back for purchases made through its " Wells Fargo XXXX '' program. For example, I responded ( by " activating '' offer on XXXX web site ) to an offer to receive 10 % back on a purchase at XXXX XXXX. ON XX/XX/XXXX I made a {$45.00} purchase at XXXX XXXX with my XXXX credit card number ending in XXXX. I should have received {$4.00} cash reward. I received nothing. I used the XXXX card rather than a XXXX  card I could have received 5 % cash back, because of this offer. 

This is not the firat time that Wells Fargo has done this.
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2020-04-17
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch Sturm LLP (NJ)

I received a letter for Rausch Sturm Attorneys at Law, located in XXXX Wisconsin. They were notifying me of a debt owed to XXXX student loans. I am disputing the amount and want to request more information but they have not returned any of my phone calls/voicemails. I did some research on the company and they have been a part of several lawsuits for deceptive practices and trying to revive old debts. Clearly they are a shady company and this is ridiculous they are allowed to handle this. I can not afford the debt amount and will need to work with someone to make an arrangement that works for me, however they refuse to answer me and they are doing it on purpose so the 30 days runs out. They write this is an attempt to amicably resolve the debt but its not because they are not responsive. These companies are snakes and look to hurt people. I want this removed as a debt and this better not make it to my credit report.
Consumer complaint received 2022-11-16
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)

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
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. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXXXXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC ()

My Gemini account has been frozen by Gemini for more than one month. Gemini deactivated my account without my consent or any notification. Thus I have been unable to access my funds of XXXX in the account. 
I have contacted the Gemini support team and submitted verification documents but no update from them for one month, despite my over 20 emails to chase for an update.

I have never gone through any fraudulent transaction with my account and it is not acceptable to lock my account and my funds with no reason and no resolution. Im concerned Gemini has moved my funds without my acknowledgment for other purposes and now facing liquidity issues, so they now limited my access to the account to withdraw. 
My appeal is for Gemini to unlock my account ASAP.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX