davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kansas Counselors, Inc. (MO)

I sent a debt validation letter 1692g to collections, no response.

Collection opened XXXX for amount of {$770.00} Collection opened again XXXX for amount of {$1100.00} Same collection agency : Kansas counselors Inc.
Consumer complaint received 2022-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Comerica (PA)

My name is XXXX XXXX, and I have a XXXX account and a card linked to it ending in XXXX ; XXXX told me it belongs to me. It is under Comerica Bank, but I don't bank with y'all, and can y'all tell me if the card is in y'all system and if my name is in y'all system or who owns it?
Consumer complaint received 2022-06-28
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EMCC Holdings, LLC (NJ)

Unfortunately, I contracted XXXX twice. I subsequently lost my job, my wife also was ill. I contacted the company to make arrangements for deferment or modification. I was denied by the company. I was denied protection given under law by the CARES Act. Under the CARES Act, stating : " XXXX XXXX, former acting director of the Consumer Financial Protection Bureau ( CFPB ), recently stated that the bureau is taking much-needed action to protect consumers, particularly the most economically vulnerable. [ 1 ] As part of this new focus, the CFPB will take aggressive action to ensure that regulated companies follow the law and meet their obligations to assist consumers during the COVID-19 pandemic. [ 2 ] As such, the case for CARES Act examination preparation is stronger than ever. ''
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd ()

XX/XX/2022 financial company " Wise '', registration ( XXXX XXXX " XXXX '' - XXXX number XXXX ). Closed my account. My Wise account is XXXX. 
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022. 
Transactions for which Wise did not provide statements ( these are internal transfers ( receipt to the account ) made in Wise ) : Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell {$21.00} XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful There is also a video from the screen, my account on the day the account was closed. Statements for these transactions, for which these transfers were made to me, through the Wise financial company and statements from the Wise company itself until the account was closed. 
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022.
Consumer complaint received 2022-06-28
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. (LA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C Section 602 A. States I have the right to privacy.

15 U.S.C Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-28
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. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX. Account number : XXXX Account status : Closed Date opened : XX/XX/2014 Account type : Installment 15 U.S.C 1681 section 602 A.States I have a right to privacy 15 U.S.C 1681 section 604 A 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-01
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)

XXXX XXXX CONTINUES TO REPORT A 90 DAY LATE ON MY CREDIT FILE. THIS IS INCORRECT. THIS ACCOUNT HAS BEEN CHARGED OFF ON XX/XX/2019. THIS INFORMATION IS FACTUALLY INCORRECT. THIS ACCOUNT WAS ONLY VERIFIED FOR MY NAME AND ACCOUNT NUMBER. THE ACCURACY OF THIS ACCOUNT HAS BEEN REPEATEDLY IGNORED. 
THE CREDITOR REFUSES TO GIVE THE CREDIT REPORTING COMPANIES PROOF OF THE LOAN DOCUMENTS, DATES OF DISCHARGE, PAYMENT HISTORY, AND CORRECTLY REMOVE INACCURATE UPDATES TO ALL CREDIT AGENCIES. 
I AM FORCED TO FOLLOW UP WITH THE CFPB, FTC, EQUIFAX, XXXX, AND XXXX MULTIPLE TIMES. THIS HAS RESULTED IN COUNTLESS HOURS OF EMAIL, AND PHONE CONVERSATIONS. I BELIEVE THIS CREDITOR CREATES THESE OBSTACLES TO RESTRICT CONSUMERS FROM A PROPER RECOURSE TO THE NEGATIVE FILINGS. 
REPEATEDLY REPORTING C/O EVERY MONTH NOT INDICATING WHEN/IF THE ACCOUNT HAS BEEN SOLD NOT REFLECTING A {$0.00} AFTER TRANSFERRED/SOLD ( DOUBLE JEOPARDY ) REPORTING INCONSISTENT BALANCES ACROSS BUREAUS DATE OF FIRST DELINQUENCY ILLEGALLY BEING CHANGED CHANGES AFTER 180 CHARGED OFF STATUS
Consumer complaint received 2022-06-01
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 given a credit report by Equifax on XX/XX/XXXX of 2022. On that credit report I found 3 hard inquiries that I found to be fraudulent, not made be me. All 3 of them occurred on XX/XX/XXXX of XX/XX/2022 The first was an inquiry made with XX/XX/XXXX Bank XXXX, and the other two were both made with XX/XX/XXXX XXXX, though one was specified as XX/XX/XXXX XXXX XXXX Card and the other was titled as XXXX XXXX Bank XXXX XXXX. I tried contacting Equifax to challenge these inquiries and to have them removed from my credit report for being fraudulent, but they told me that I needed to visit the Federal Trade Commissions website to report the inquiries. After I visited the FTCs website to see how I could report the inquiries, I was redirected to the Consumer Financial Protection Bureaus website to file a complaint about the fraudulent inquiries on my credit report, which is what Im doing now.
Consumer complaint received 2022-06-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK (NJ)

Commencing on or about the XXXX of XX/XX/2021 I fell victim to a multilayered scam operation orchestrated by XXXX ( the Scammer or Fraudster ) DBA : XXXX XXXX, with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

Money was transferred from my XXXX XXXX XXXX XXXX account via wire in the total amount of XXXX USD utilizing East-West services Scammers Account Number : XXXX
Consumer complaint received 2022-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (NY)

Debt settlement Because the Chase bank sent me XXXX cards, offering promised promotion rates and special use for homeowners cards that I never requested then they raised the rates as soon as I made home repairs making sure the cards could never be paid off. I threatened to go to court and they said they would close the accounts if I paid a certain balance with no credit damage or have to pay taxes on the illegal balances. After XXXX the Chase bank secretly submitted these balances damaging my credit and trying to make me pay taxes on them. Also this information was submitted out side the statue. Now Im having problems.
Consumer complaint received 2022-07-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Hatfield, Inc. (MD)

My complaint is against company Hatfield , Inc. XXXX XXXX. When I joined or signed up for XXXX I was asked to submit my recent paystub information. Fast forwarding to recent events and the nature of my complaint today, I requested a loan on XX/XX/2022 for the total amount of {$60.00}. This was successfully delivered to my bank checking account on the same day, XX/XX/XXXX. On Wednesday, XX/XX/XXXX XXXX XXXX XXXX payments of {$14.00} and one payment of {$3.00} totaling {$60.00}. This payment that was deducted on XX/XX/XXXX caused my checking account to go into overdraft which resulted in bank overdraft fees. Per Hatfield, XXXX on the app it specifically states under the article/question " Can I Change My Repayment Date '' the following : " Our system automatically check your account balance and debit your connected account for the remainder of the advance ONCE THERE ARE SUFFICIENT FUNDS IN THE ACCOUNT. '' This statement is inaccurate and falsely advertised by the company. I provided paystubs documentation that shows my pay dates are every OTHER FRIDAY. However, they deducted funds from my account on Wednesday, XX/XX/XXXX which is earlier than what I provided to the company as my documented pay dates and also the day that I am able to afford to repay the loan. I contacted customer support on Wednesday, XX/XX/XXXX to dispute this transaction and explain the above. I explained to them that my bank as a COURTSEY to their customers may release my pay check early which falls on a Wednesday but this is a COURTSEY and my confirmed/documented pay date as shown on my paystubs. The respond that I received from customer care via email was that I need to have sufficient funds in my account to cover the repayment funds and also in a later email correspondence ( after going back and forth with them ) they stated that the system can in error detect an incorrect pay date and at this time they are working on their system. This is unacceptable, if you are a company that lends money. Additionally, on several occasions via email I have asked/requested contact information so that I can speak with a LIVE HUMAN about this matter and no contact information have been provided to me from customer support as of today 's XX/XX/XXXX - date.
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (TX)

I'm in the process of moving my account away from bank of the west. On XX/XX/XXXX, a payment I'd missed charged to the account taking it negative even though I have not and will never opt into overdraft protection. BotW have allowed the charge and charged a {$35.00} fee as a result.
Consumer complaint received 2022-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: WELLS FARGO & COMPANY (CA)

I opened a business checking account and never received the debit card from Wells Fargo. I received emails that my card had been declined so once I called I found out my account was being used without my knowledge or permission. I called XXXX XXXX who would only give me an incident number and said Wells Fargo would investigate. However I have been getting the run-around with no solution and still no ability to use my business checking account. Wells Fargo has also been nothing short of unprofessional and grueling to deal with. I have documentation to support my claims. need help please
Consumer complaint received 2022-09-21
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)

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. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (IL)

XX/XX/2022 I was sent mail stating an attempt to open an account in my name was unsuccessful. 

XX/XX/2022 I contacted US Bank and they confirmed the fraud and directed me to place a fraud alert with the credit bureaus and the FTC
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Carvana Group, LLC (PA)

1026.1 Authority, purpose, coverage, organization, enforcement, and liability.

a ) Authority. This part, known as Regulation Z, is issued by the Bureau of Consumer Financial Protection to implement the Federal Truth in Lending Act, which is contained in title I of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601 et seq. ). This part also implements title XII, section 1204 of the Competitive Equality Banking Act of 1987 ( Pub. L. 100-86, 101 Stat. 552 ). Furthermore, this part implements certain provisions of the Real Estate Settlement Procedures Act of 1974, as amended ( 12 U.S.C. 2601 et seq. ). In addition, this part implements certain provisions of the Financial Institutions Reform, Recovery, and Enforcement Act, as amended ( 12 U.S.C. 3331 et seq. ). The Bureau 's information-collection requirements contained in this part have been approved by the Office of Management and Budget ( OMB ) under the provisions of 44 U.S.C. 3501 et seq. and have been assigned OMB No. 3170-0015 ( Truth in Lending ).

( b ) Purpose. The purpose of this part is to promote the informed use of consumer credit by requiring disclosures about its terms and cost, to ensure that consumers are provided with greater and more timely information on the nature and costs of the residential real estate settlement process, and to effect certain changes in the settlement process for residential real estate that will result in more effective advance disclosure to home buyers and sellers of settlement costs. The regulation also includes substantive protections. It gives consumers the right to cancel certain credit transactions that involve a lien on a consumer 's principal dwelling, regulates certain credit card practices, and provides a means for fair and timely resolution of credit billing disputes. The regulation does not generally govern charges for consumer credit, except that several provisions in subpart G set forth special rules addressing certain charges applicable to credit card accounts under an open-end ( not home-secured ) consumer credit plan. The regulation requires a maximum interest rate to be stated in variable-rate contracts secured by the consumer 's dwelling. It also imposes limitations on home-equity plans that are subject to the requirements of XXXX and mortgages that are subject to the requirements of XXXX. The regulation prohibits certain acts or practices in connection with credit secured by a dwelling in XXXX, and credit secured by a consumer 's principal dwelling in XXXX. The regulation also regulates certain practices of creditors who extend private education loans as defined in XXXX ( b ) ( XXXX ). In addition, it imposes certain limitations on increases in costs for mortgage transactions subject to XXXX ( XXXX ) and ( f ).
Consumer complaint received 2022-06-28
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. (GA)

In accordance with the Fair Credit Reporting Act : DEPT OF ED/XXXX XXXX, DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

On XX/XX/XXXX, I initiated a transfer of {$4000.00} USD dollars from my XXXX XXXX  XXXX to XXXX using WoldRemit. The transfer has been already with their local partner to finish the process of depositing my money, but it's almost two weeks and the transfer hasn't been done. They stopped answering my daily question " where is my money ''.
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (MO)

I used my XXXX XXXX debit card to pay {$500.00} to my XXXX credit card on XX/XX/XXXX. XXXX XXXX said it was accepted. On XX/XX/XXXX I messaged them asking why it hadn't been posted yet. They responded they never recieved the payment. On XX/XX/XXXX XXXX XXXX confirmed it had paid XXXX, with the TraceID XXXX. On XX/XX/XXXXXXXX XXXX  sent a letter saying they would look into the issue and temporarily credited my credit card {$500.00}. On XX/XX/XXXX they rescinded the amount, with a letter saying they were unable to accomodate. Since XX/XX/XXXX, they have been crediting and debiting my account as follows : XXXX : XXXX XXXX Card XXXX {$500.00} Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment-payments {$500.00} Interest Charge XXXX Interest Charge - {$7.00} Interest Charge {$10.00} Adjustment Payments {$500.00} XX/XX/XXXX : XXXXXXXX Card XXXX XXXX {$500.00} Interest Chage - {$16.00} Late Fee - {$29.00} Interest Charge - {$16.00} Late fee - {$29.00} XX/XX/XXXX Late Fee {$29.00} XX/XX/XXXX Interest Charge XXXX XX/XX/XXXX XXXX Payment - {$100.00} XX/XX/XXXX Adjustment Payments {$500.00} XX/XX/XXXX Late fee {$29.00} XX/XX/XXXX Interest Charge {$21.00} XX/XX/XXXX XXXX XXXX Card Payment - {$100.00} Currently, my balance is at {$1000.00}, with - {$310.00} available credit. I have called XXXX, XXXX, and XXXXXXXX XXXX  mulitple times. I don't know how to move forward. Venmo has seemingly closed my dispute. 

In summary, XXXX has at the very least made too many adjustments, leaving me short {$500.00}, as well as incurring multiple late charges.
Consumer complaint received 2022-09-21
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)

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. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}