davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
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 was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3100.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/2022.
Consumer complaint received 2022-07-29
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)

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-03
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: TRANSWORLD SYSTEMS INC (LA)

In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

my name is XXXX XXXX. I used to have a checking account with wells Fargo Bank. I closed my account on XX/XX/2022. I forgot to inform to XXXX and XXXX about it. I did not change my credit card or bank information with them. on XXXXXXXX XXXXXXXX XXXXXXXX try to sent me a refund XXXX through XXXX to my account with wells fargo was closed. I try to explain to the customer service agent XXXX has that my account was closed but they said that they sent money back to the account on XXXX XXXX. I waited for the refund on XXXXl but they send refund to the account on XX/XX/2022. XXXX sent me many letters let me know even the account was closed the money was on the wells fargo account. I went to wells fargo on the branch XXXX md and XXXX XXXX MD. the customer representative was nice but tell me the money was not there. give me last statement balance. Such statement has many transacction declined because the close account situation. I found on the statement one transaction was not declined. the statement said POSTED that means the money was successfully accredited to the account. The office branch on the XXXX and XXXX XXXX has not managers. you only can talk with agents. It has been very difficult for me to dial with it. I have proof about the statement and I have proof for XXXX  too. if wells fargo account was closed and the money came they are supossed to return money to XXXX. They did not. I hope resolve this issue the best way possible if someone can help me with wells fargo because i am not wells fargo client anymone will be helpful, thanks
Consumer complaint received 2022-09-23
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: Self Financial Inc. (CO)

Self Financial violated my rights in accordance to the Fair Credit Reporting Act ( Account # XXXX ). - 15 U.S.C. 1681 section 602 A States that I have a right to privacy - 15 U.S.C 1681 Section 604 A. Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. Information on my report varies between the 3 bureaus. I spoke to their chat support and they agreed to remove the 30 day late payment from my credit report for all 3 bureaus. It's still on my report! I will be attaching the supporting documentation.
Consumer complaint received 2022-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP (NM)

On XX/XX/2022, I made an ATM withdrawal of XXXX XXXXXXXX XXXX  and was charged another XXXX XXXX XXXX in fees for a total transaction of XXXX XXXXXXXX XXXX. I approved this transaction and received the XXXX XXXX XXXX in cash from the ATM machine at the XXXX bank in XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX. On XX/XX/2022, after returning to my home in XXXX, NM, I discovered that the Bank of Albuquerque had withdrawn XXXX U.S. dollars. The currency conversion was not made and the amount was nearly XXXX times more than I received as the exchange rate is around XXXX XXXX XXXX  to XXXX U.S. XXXX  I contacted Bank of Albuquerque immediately on XX/XX/2022, about the error and was advised to file a fraud dispute, which I did. This dispute was denied supposedly because I had used my PIN to approve the transaction. However, I had told the XXXX representative from the very beginning that I had completed an ATM transaction using my debit card and PIN. This was never a question of whether my PIN was used. I never said I didn't use my PIN, only that the currency conversion hadn't been done and that my transaction was in XXXXXXXX XXXX not U.S. dollars. I contacted XXXX XXXX at the XXXX XXXX XXXX Bank of Albuquerque location and he said he would escalate the issue. I waited three weeks and there was still no resolution, even after he escalated to his supervisor who never followed up with me, not once. I contacted the Bank of Albuquerque XXXX and after multiple calls and discussions, I was advised that there was no dispute process for this unique issue of failure to perform a currency conversion in an international ATM transaction. Manager XXXX with XXXX told me that my only other option was to file a short dispense dispute in order to get more information from the XXXX bank that owns the ATM. So I approved this second dispute. On XX/XX/2022, I called XXXX to get an update on the second dispute process and was told that this second dispute had also been denied. I was provided a copy of a document from XXXX in XXXX showing that the transaction was as I had said, XXXX XXXX XXXX, plus XXXX XXXXXXXX XXXX  in fees. However, because the XXXX banking system uses the dollar sign to indicate XXXXXXXX XXXX, and USD to indicate U.S. dollars, the Bank of Albuquerque staff said that I had received dollars and not XXXX  and told me there was nothing that they could do to rectify the situation. I explained this repeatedly to them that XXXX uses the dollar sign to indicate XXXX XXXX, not U.S. dollars, but this information was ignored and I was told there was " nothing else they could do. '' I have been offered 50 % of the money that was withdrawn in error by Bank of Albuquerque, but I have declined because it is still a significantly large amount of money compared to the original transaction
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX ( XXXXXXXX XXXX  ) IS NOT SHOWING PAYMENTS I HAVE MADE IN TIMELY MANNER. BALANCE IS OLD AND CURRENT/ NEW BALANCE IS MUCH LOWER. 
REPEATED REQUEST ( DISPUTES ) WITH CREDIT BUREAUS HAVE NOT HELP TO CORRECT BALANCES.!!!!!!
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (MD)

My nephew unknowingly stole checks from my home. He wrote checks to himself made mobile deposits. My signature on check did not match whats on file. Was never notified of these transactions until after he almost stole XXXX. At that point account was empty. He tried to cash a XXXX check last with the amount section whited out and re written. I have no large bills to pay no mortgage or car note so I dont frequently check my account to see whats in it because I know. I am XXXX XXXX XXXX it was my savings. Wells Fargo which is the bank had me do a fraud report and a police report and has not returned my money to this day. Happened last year around XX/XX/2021 for the last transaction not sure when it started
Consumer complaint received 2022-09-23
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)

Im resubmitting 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 any item 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 is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX  XXXX Balance : {$980.00} ; XXXX XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$980.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX 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 2022-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (WA)

On XX/XX/2022, I submitted a complaint against Mr Cooper in regards to my mortgage. You can review the details of that complaint in my complaint history. This is now the 2nd complaint with the same types of issues, however there are new issues to bring to your attention. Starting from XX/XX/2022, I advised Mr Cooper that they continually misapply payments on my account and process those payments as additional principle. The supporting accounts statements will show this to be true. I will also be submitting screenshots of statements on their website that attest to how those payments should be processed when an amount due shows on the account. They consistently do not apply payments properly and the only thing I receive are excuses as to why they can not process payments correctly. I have now sent in 6 separate messages in a two month period in regards to the same issues. I have called 2 separate times regarding the same issues. 

The final straw is the letter received on XX/XX/2022, in which they state that my homeowners insurance has expired and they plan on purchasing insurance for me. Further in the letter, they state that they have it in their records that I elected to pay the insurance directly rather have it in the escrow account. The screenshot that I am including proves otherwise and states the date in which the payment should've went out to the insurance company. 

It is clear that Mr Cooper is unable and unwilling to handle this mortgage properly and to my standards.
Consumer complaint received 2022-07-29
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 am appalled by the ability of the Credit Bureaus to ignore a consumer 's requests for the removal of the Fraudulent information being reported on my Credit report despite the past letters I have been sending them. This is my third endeavor to inform the Credit Bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$650.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$460.00} XXXX XXXXXXXX Balance Owed : {$150.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Michael J Adams PC (TX)

XX/XX/2022 @ approximately XXXX received a notification that my bank account was overdrawn and a hold was placed on my personal bank account in excess of {$3200.00}. Called bank to inquire and advised that I needed to speak to the banks legal team. Upon talking with the banks legal department they advised a judgment was placed against me and they have a court order to place a hold on my account. They provided me with a name and number for the attorney, along with a court case number. I was unable to reach anyone at the phone number provided and was never notified of the pending court case. Michael J Adams XXXX represented XXXX in the amount of {$3200.00}. I am not sure of the accuracy of this information and haven't had an account with this merchant. This information was provided solely by my banking establishment and no contact was made with a live person at the attorney 's office upon calling at XXXX on XX/XX/2022.
Consumer complaint received 2022-09-23
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. (IL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 usc 1681. XXXX XXXX XXXX15 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 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following item 's information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-23
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. (NY)

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. It has been an encounter going over this and I am submitting this complaint AGAIN to remove the following fraudulent accounts in my file that are reporting on Equifax Credit Bureau. I would like to request the suppression of these accounts from my credit report, which is the result of a fraudulent item origination and identity theft. I have already done my part by sending my documents like my DL, SSN, Address, and the dispute letter I sent to Equifax. Also, I have sent my FTC report but still, nothing has changed. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-29
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. (NY)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$570.00}
Consumer complaint received 2022-07-03
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)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account # xxxxxxx XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX xxxxxxxxxxxx XXXX / XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # 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 2022-09-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Av, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX CARD SER XXXX Open Date XX/XX/2014 Balance : {$0.00}
Consumer complaint received 2022-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

Collections line item has been reported to my credit report profile in the amount of {$4000.00} for an account that was not opened by me nor did I have any knowledge of. 
This discrepancy was reported directly to the company listed as well as the credit bureau. 
Account my have been acquired when my personal information was breached during data breaches associated with XXXX and XXXX which have both impacted me. 

Line item being reported was established without my knowledge or permission.
Consumer complaint received 2022-09-23
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. (NV)

This account is misleading and dishonest since it negligently reported false information. Please provide me with written proof that I authorized you to report anything on my consumer credit report. I called the debt collector, but they refused to give any proof ; as a result, you are reporting XXXX accounts that are fraudulent and misleading.
Consumer complaint received 2022-09-23
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. (LA)

In accordance with the Fair Credit Reporting act, the following XXXX AND XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and Account # 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 2022-12-03
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. (TX)

On Monday XX/XX/XXXX, I went to the site XXXX  to see if I would be pre-qualified for financing. I was found to be not pre-qualified for XXXX XXXX through their site. On Tuesday XX/XX/XXXX at XXXX XXXX I was contacted via email by sales consultant XXXX XXXX about my online inquiry, to which I responded with inquiring why my credit had been pulled for a full credit application for financing without my consent, and to date I still have not received a reply.