davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WI)

on XXXX XXXX 2017 I went online with Equifax and put a credit freeze on my credit file using their credit freeze page.
Part of the process was the printing of a PDF with the PIN number required to lift a credit freeze.
I am having two problems with this process : 1 ) The lifting of a credit freeze is an all-or-nothing process with Equifax. The other two credit bureaus allow for lenders to access a frozen file using a PIN that is provided by the credit bureau. Equifax only provides you the ability to lift or freeze the file ; the whole purpose of freezing the file is to help ensure that fraudulent accounts are not opened in the name of the person in the credit file using information that the credit bureaus have gathered - without my consent.
2 ) Part of the process of creating a credit freeze is the provision to print to a PDF the provided pin number to access the credit freeze and also to login to the Equifax system. Unfortunately - and I did not notice this at the time - the page with the pin number printed as a blank page in my XXXX XXXX system. Therefore the pin was lost - I relied on the printing of this file to capture the pin information instead of writing it down or having it emailed to me ( do not recall if emailing the PIN was provided as an option or not ).
Note, I was using XXXX XXXX browser to do this.
3 ) Once the pin is lost, Equifax does not provide an alternative method to allow the person whose file is frozen to contact Equifax to fix the problem. The issuance of the pin is a circular process ; to contact Equifax, you need the pin ; if its lost the person whose credit file is involved has no method to contact Equifax to fix this problem.
All provided phone numbers and contact methods are for individuals who are businesses or have an account with Equifax as an Equifax client. or are dedicated to other purposes which are unrelated to credit freezes.
The key webpage to demonstrate this problem is here : http : //www.equifax.comXXXX XXXX You have to login to the Member Center to gain access to Equifax support numbers which may or may not have information and contacts relating to fixing credit freeze problems such as mine. Without the PIN, you can not login to the Member Center, so you can not even see what resources and contacts are available.
Since I am not an Equifax client, and I am a consumer, I have no authorized contact method to reach Equifax to correct the problem mentioned above. I am essentially locked out of my credit file permanently and also locked out from even contacting Equifax to correct the problem.
All other phone numbers on the Equifax website that I found are dedicated for other purposes and are not associated with resolving credit freeze issues. Equifax does not provide much if any support for the credit freeze process outside of a page where you can lock & unlock your credit file.
Consumer complaint received 2017-11-03
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. (CO)

Have filed multiple different disputes with Equifax for an account on my credit with XXXX XXXX XXXX that was opened under fraud. Each time there is no resolution, the account continues to show up on my report causing me to lose time by filing disputes and delay any credit related purchases that I may have. XXXX and XXXX have both already removed the account without delay. Complaints have already been filed with the FTC and Equifax still will not take action.
Consumer complaint received 2017-11-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

On XXXX/XXXX/2016 Citi bank put a {$3000.00} refound process on my monthly statement claim as I used check of the XXXX XXXX XXXX to pay my Citibank cridit card and it bounced back so they charged me {$3000.00} I never payed my cridit card with a check when I asked them to send me a copy of the check payed to my cridit card they refused my request.its been about more than half year the I called the bank many time, at the first they say it 's the system error, they told me do n't worry about it. After I send the complaint on cpaf they tells me another story..
Consumer complaint received 2017-11-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OK)

On XXXX/XXXX/XXXX at XX/XX/XXXXI walked in to the Chase Bank off of XX/XX/XXXX in XXXX and noticed they only have one teller now and have replaced the tellers with two atm machines. The teller line was long and the assistant branch manager walked over to me her name is XXXX XXXX  and stated you can use the ATM. She went on to help me deposit cash I put {$1300.00} dollars in ATM which she assisted me with and an error came up and a receipt came out stating I needed to call the number on it to verify my deposit was credited to my account. The Manager said sometimes this happens, let me check your account. My deposit did not post. She immediately called the claims department and they assured us after making the claim I would be refunded with a temporary credit of my {$1300.00} dollars within 12 hours. That never happened. I called 4 times today and spoke with Chase claims department my call was escalated. The representative advised me that per Chase policy they can hold my cash deposit until XXXX XXXX until their research is completed. I said how can you hold my funds, my cash for two weeks.??? nothing has been done. I have yet to receive a temporary credit to my account even after I have given them all the information they requested not to mention their Assistant Branch Manager helped me make the deposit. Iv kept the receipt and Im completely frustrated by their lack of customer service. Its my money and I want it back. The Chase bank I used is located at the following address- XXXX XXXX XXXX XXXX XXXX ATM Terminal ID- XXXX
Consumer complaint received 2019-05-12
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. (TN)

XXXX XXXX is constantly pulling my credit report without my permission as a hard inquiry. I received my credit report from all three credit bureaus. I spoke with Equifax and send them a certified letter and told them that my information has been hacked. That the inquiries that they have on me is wrong. I have not applied for any credit. I call XXXX XXXX and All the other inquiries on my report and they told me that they did not run my information and that they have no information on me. I ask Equifax to remove all of the Hard inquiries that they have on my report and show and send me documentations of what they have. They told me no that they can not remove it. Equifax is letting any and everybody run my credit and not verifying anything. My credit score has drop and making it hard for me to make it. I was and still a victim of identity fraud. Every since people information got hacked from Equifax my life has been a living XXXX for 10 years. Equifax has messed up my life. I have told them in writing by a certified letter and have spoke with them about this and they refuse to do anything about it. I am trying to find a federal attorney if one available I am here ready to move forward. 10yrs I can not take anymore.
Consumer complaint received 2017-11-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

When I opened a personal checking account and two business checking accounts in XXXX XXXX Wells Fargo Bank, NA created three debit card accounts for me when I only wanted one. I was very clear with them that I only wanted one debit card but they created three anyways. Another example of WFB still creating unauthorized accounts for their card holders against their will. I fortunately found out about the two fake accounts when trying to use the ATM Access Code feature where you can request a code to use the ATM if you do n't have your debit card. Three accounts showed up! I did n't know the PINs on two of them and I never authorized their creation. When I got home and checked my wallet and records I only had one debit card so WFB Created two fake debit cards and sent them to who knows where. 

Wells Fargo seems to be continuing their fake account practices.
Consumer complaint received 2017-11-02
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. (TX)

EQUIFAX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of XXXX XXXX XXXX.
There is NOTHING on my EQUIFAX consumer credit report to dispute ...
This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of XXXX XXXX
What EQUIFAX information was used to reduce my credit line???
My EQUIFAX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint.
After paying down debt to reduce my debt to credit ratioXXXX XXXX XXXX. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up toXX/XX/XXXX my XXXX XXXX line of credit for my XXXX XXXX credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER XXXX XXXX  received my {$2500.00} payment, XXXX XXXX reduced my XXXX XXXX  Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My XXXX XXXX XXXX  consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus sinceXX/XX/XXXX. On XX/XX/XXXX, at approximately XXXX XXXX, I was told by a XXXX XXXX XXXX XXXX XXXX XXXX representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX  XXXX and Equifax consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX. I received letters from XXXX XXXX stating their decision was based on information from EQUIFAX ... In addition to consumer concerns with using EQUIFAX given what was transpiring with EQUIFAX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of XXXX XXXX. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED EQUIFAX CREDIT REPORT FROM XX/XX/XXXX) and there is NOTHING on my EQUIFAX credit report that substantiates the claim from XX/XX/XXXX
Consumer complaint received 2017-11-02
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: WELLS FARGO & COMPANY (TX)

On XXXX XXXX I purchased a car from XXXX XXXX XXXX XXXX, and my credit was reported four times. Three of those times should be an error. Are you able to fix this, or do you need me to get proof from XXXX?
Consumer complaint received 2017-11-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: JPMORGAN CHASE & CO. (CT)

TO WHOM IT MAY CONCERN - I HAVE BEEN TRYING TO RESOLVE A DEBT SHOWING ON MY CREDIT REPORT FROM CHASE. THIS HAS BEEN RESOLVED IN THE PAST BUT IS STILL SHOWING ON MY CREDIT REPORT. ONCE THE LEASE WAS UP IN XXXX XXXX, MY LOAN WAS TRANSFERRED TO XXXX XXXX. I WAS TOLD ANY AND ALL OUTSTANDING TAXES WOULD BE INCLUDED IN THE TRANSFER WITH THE PURCHASE OF THE LOAN. THEREFORE I DO NOT OWE CHASE BANK ANY FURTHER FUNDS AS THE BACK TAXES WERE INCLUDED IN MY BUY OUT OF THE VEHICLE LOAN.
Consumer complaint received 2017-11-02
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. (WI)

I am disputing an account on my Equifax credit report that is inaccurately reporting. The inaccurate account is XXXX and today, XX/X/2017, I received an alert that a new collection was added to my credit report. I have been disputing this account for about two years so this is not a new collection. I want this error corrected immediately! It seems as if this collection was just added to my report today when it has been reporting for about two years. This has caused my score to drop. Despite this inaccurate information reporting I have continued to build good credit and increase my score. I should not be losing points due to an account reporting inaccurately. Furthermore, I have no business with this company and this account should be deleted altogether. Equifax continues to say this account is verified, however they refuse to provide information on how this account was verified as accurate. Equifax said in their own words that information was supplied from the creditor and I quote " Equifax supplies this information upon request to qualified users of this information. '' I have requested method of verification numerous times to no avail. Equifax always gives me some bogus, generic response that does n't make any sense and does n't have anything with what I requested. Per FCRA Section 611 I have a right to request method of verification and if not I do not receive a response within 15 days this information must be removed from my credit report. Well if you count all the times I have requested method of verification this should have been removed from my credit report. I was a victim of identity theft around the same time this account reported hence why there is a fraud alert on all of my reports with all three bureaus. With this data breech and XXXX knows what else Equifax is hiding, I would think this company would take my disputes more seriously and be cautious of the information reporting in my file. I know mistakes happen but it should not be at my expense. Please remove this inaccurate information from my report and send me an updated copy of my credit report once this has been completed. Thank you.
Consumer complaint received 2021-11-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (CA)

This submission is not from a third party. I, XXXX XXXX. Natural person, XXXX, XXXX, XXXX, XXXX this notification of Federal violations and FederaXXXX laws. Ive notified ALLY FINANCIAL INC on XX/XX/XXXX of Fraudulent Activity and ask for documentary evidence of the alleged Debt. I Entered a Consumer credit Transaction with ALLY FINANCIAL INC on XX/XX/XXXX and a Finance charge was involved Pursuant to 12 CFR 226.4 Finance charge which is defined as definition The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as incident to or a condition of the extension of credit. It does not include any charge of a type payable in comparable cash transaction. Pursuant to 15 USC 1605 ( a ) Finance charge is the total sum of all charges there is not suppose to be cash taken in a consumer credit transaction Ally Financial INC Collected monthly payments from since 03/21/2018 which is a Violation of 12 CFR 226.4 and 15 USC 1605 ( a ) in Exhibits A, B Ally FINANCIAL INC Failed to disclose me my RIGHTS of RESCISSION and provide me with the appropriate forms to exercise my RIGHTS which is a violation of 15 USC 1635. ALLY FINANCIAL INC is in Violation for Criminal Liability for willful and knowing violation 15 USC 1611 ALLY FINANCIAL INC gave false or inaccurate information and Fail to disclose my RIGHTS I have been emotionally and physically harmed because of the hardship this company has put me through and being deceptive and not honest which holds ALLY FINANCIAL INC in violation of 15 USC 1640 and violation 15 USC 1692k all the violations are circled in the exhibits A, B. I would also want my money refunded by check of all payments paid already to ALLY FINANCIAL INC By Check to my address listed also zero out the balance an grant me my title lien Free. pay the invoices for compensation pay 3x the finance charge pursuant to 15 USC 1692 H
Consumer complaint received 2020-04-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (MD)

Per the Fair Debt Collection Practices Act 15 USC 1692g, I am supposed to receive written notification giving me the right to the dispute the validity of this debt. I have not received written notification from National recovery as the guidelines of the FDCPA states, which is outlined below : a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. You have deemed the debt valid by putting it on my credit report before sending me written notice and allowing me the 30 days to dispute. I had no knowledge that I owed a debt to give to the client because I paid the company {$790.00}, which I was told that was all I owed. They should have billed my insurance dental for the dental procedure and medical for the medicine. I did a change of address with the post office, also if the mail was returned, that does not constitute a right to add a debt as valid on my credit, per the FDCPA guidelines. Your response said that I probably didn't receive any notices because you had the incorrect address and the mail was returned to you.
Consumer complaint received 2017-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (KS)

I got an Amazon only store card on XX/XX/XXXX got a bill made a payment of XXXX XXXX XXXX During the month of XXXX charges were made to my XXXXXXXX XXXX Card which was on file by not the Primary card on the Amazon account. So both accounts were put on hold XXXX sent me a new card and amazon refunded the money to my card XX/XX/XXXX XX/XX/XXXX they charged a late fee excessive if the cards charges are in dispute I called them XXXX XXXX XXXX XXXX and XXXX XXXX and all they could say was pay over the phone I verified on XXXX XXXX my profile and how the information is inputted and comparing the information to online statements. I made the attempt to pay XXXX XX/XX/XXXX and it shows it went through online. I called again in XXXX XXXX cause more charges were added and all they could tell me was insufficient funds. So I called my bank and gathered the numbers and verified the account numbers I paid the bill of XXXX with XXXX XX/XX/XXXX and still have a bill of over XXXX They are bullying me and committing fraud
Consumer complaint received 2017-11-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Kashia Services (OH)

I was contacted by an employee who works in payroll for my company. She asked if I authorized XXXX from XXXX XXXX to garnish my wages. I responded that I certainly did not authorize this and that XXXX XXXX definitely did not have a court order authorizing wage garnishment. I asked for a copy of the paperwork and she forwarded it to me. I 've attached a copy of the " Wage Assignment Demand Notice. '' I 've placed " XXXX '' in place of my name and personal information along with the name and address of the company I work for. I can provide a copy of the unedited wage garnishment if requested along with the email from the Human Resources professional in my company who originally received this notice. Thankfully, my payroll department did not process this notice but I 'm concerned that other companies with less experienced payroll processing may have fallen for this illegal tactic. 

I am still considering my legal options here as this appears to be a very clear violation of the Fair Debt Collections Practices Act. I suspect this is a common tactic with this creditor as a quick XXXX search reveals many other people who have fallen victim to this.
Consumer complaint received 2017-11-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AR)

Lawsuit Alleges XXXX XXXX and Navient Unlawfully Charging Late Fees. I sent my claim form back in XXXX 2017 and I never received settlement money and had all my bills sent to them with no reply back and I sent in my info
Consumer complaint received 2017-11-02
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)

False report of an illegal foreclosure as valid. They were notified of this in XXXX of XXXX. The foreclosure was illegal due to falsifying of documents and failure to adhere to law. On XXXX XXXX, XXXX it was declared before the XXXX XXXX XXXX XXXX XXXX North Carolina of the violation of XXXX XXXX XXXX XXXX Section 8 by regulation amounts of money by entities that are not Congress.  Elements within XXXX XXXX proceeded to disregard and proceed forward with further human rights violations. Furthermore, this all constitutes a violation of XXXX XXXX XXXX section 242, as well as many other international, federal, and state laws. 
The credit agencies have blocked online access and are not responding to letter mail either. The other agencies are also ignoring this matter. I am currently being automatically denied a place to live based on this illegal foreclosure and eviction. 
Do n't believe me, the email from XXXX XXXX, XXXX explicitly does not authorize any of the other actions taken. 
Do n't believe me, get the recording of XXXX XXXX from the XXXX XXXX, XXXX farce of an appeal trial where he admitted the matter had to be heard in federal court. 
Do n't believe me, look at XXXX XXXX and see the requirements were not met. 
Do n't believe me, look at all the documents together. Ignoring this is not going to make it go away.