davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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. (IL)

I asked Equifax to disclose their method of verification on the alleged bankruptcy they are reporting. Equifax then replied to me with the letter dated XX/XX/XXXX confirmation # XXXX and XX/XX/XXXX confirmation # XXXX claiming that the bankruptcy XXXX was verified by the data furnisher XXXX which is FALSE. I went to the bankruptcy court and its obvious they do not report any information to the credit bureaus ( letters enclosed ). I also went to XXXX directly and from there investigation they are not reporting in bankruptcy in my file ( letters enclosed ). Equifax is falsely stating this information on my credit report and has yet to remove it. 
Based on my own investigation Equifax appears to be in violation of 15 U.S. CODE 1681i ( a ). If you cant provide me proof, that every piece of information is correct this account must be deleted immediately. See enclosed inaccuracies on my credit report.
Consumer complaint received 2022-05-03
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: WELLS FARGO & COMPANY (FL)

Hello, I was checking my XXXX XXXX I had seen it went down. I seen XXXX new credit inquiries with XXXX different XXXX  company/bank, XXXX XXXX and XXXX. I never opened an account with them the only account I have is with XXXX XXXX. And they already spent money on the credit cards and I personally do not want to pay that back because its not me. Also, an account was opened with Wells Fargo also which was not me. I want these accounts closed and I want this to stop from now on.
Consumer complaint received 2022-05-03
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. (OH)

Upon reviewing my credit file, incorrect information was found in my reports. The Equifax and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX 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 2022-05-03
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX 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 2021-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Mr cooper was supposed to pay me back what I overpaid for taxes within 30 days. It has now been 90 days and they " forget to send the check '' to me. I have all written communication of them withholding {$8100.00} from me.
Consumer complaint received 2022-05-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

Way2Go payment card solutions for XXXX XXXX isnt releasing my XXXX XXXX  client adjustment thats been well overdue 212 days they kept trying to provisionals on my account and filing false fraud statements along with disputes that I never made and the agents keep haunting up or seeing where they didnt see my fixed funds from my unemployment agency they keep illegally taking my money and bout time it get fixed they keep throwing me in fraud so Im bout to maybe lose my car and other things due to them holding my funding illegally when the program release my funds to this card company and the agents is really rude and false and dont file disputes
Consumer complaint received 2022-05-03
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. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00}. ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1800.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$190.00} ; XXXX XXXXA ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$700.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$4400.00} ; CXXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1900.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance {$57.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$64.00} ; XXXX XXXX XXXX IN ( Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$950.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$340.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$1100.00} ; XXXX XXXX XXXX ( Original creditor : TEXAS XXXX XXXX ) XXXX Balance {$500.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX
Consumer complaint received 2022-05-03
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. (FL)

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 an account without my written instructions.
Consumer complaint received 2022-05-03
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: LEXISNEXIS (IN)

Lexis nexis violated FCRA 15 usc 1681 while working with XXXX XXXX XXXX. Lexis nexis had removed the files pursuant to violating the fcra. I have sent lexis Nexis a invoice for willfully violating me. I demand that the invoices i paid in full in 10 days. and {$100.00} late fee for each day it is not paid after.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc. (TX)

I was contacted several times by a " CBE Group '' but did not answer because I did not know who was calling and no voicemail was left. I eventually answered the phone call and found out it was a debt collect, I then asked them to tell me what debt it was, who I originally owed it to, the amount, the account number, and to send me an itemized bill stating why I owed that amount. I also asked that they no longer called me and would only contact me in writing. They stopped calling and sent a letter. I received the letter and it was dated as the XXXX of XXXX and it did not show an itemized bill on why I owed the debt, but only a statement saying an amount that I owed, which was a lower amount then what they are claiming I owe. I then hired XXXX XXXX to help me verify the debt. They are continuing to call me AGAIN everyday at a late hour ( XXXX ) since the XXXX of XX/XX/2022.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

I'm glad to see that my report has been improved in numerous ways, including the deletion of certain accounts that I had previously disputed. However, there are a few accounts on my report that are fraudulent and the result of identity theft. I'd like to ask for your assistance in getting rid of the remaining few items on my report. According to FCRA section 605b, credit bureaus are required to remove or block any accounts that have been listed on an identity theft report. To prevent fraudulent information from being submitted in my report, I've included a few papers. 
XXXX XXXX XXXX Balance Owed : {$8.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXXXXXX Balance Owed : {$15.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXX XXXXXXXX Balance Owed : {$190.00} XXXX XXXX XXXXXXXX Balance Owed : {$160.00}
Consumer complaint received 2019-12-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CA)

My mortgage with Ditech was paid off on XX/XX/2019. I have been trying unsuccessfully to recover my escrow refund of {$3000.00} since that time. I have called repeatedly once I did not receive that refund within 30 days. They said they issued by check but they did not. It was never received. I was told on XX/XX/XXXX that the check was cancelled and the payment would be automatically deposited into my bank account and that I would receive no later than 7-10 business days. I still have not received it as of today, XX/XX/2019. I called Ditech once again and told it would be issued today and I would receive in 3-5 business days. I no longer believe anything this company tells me as the story keeps changing. What  do I need to do to recover this money? I am at a loss. Please advise.
Consumer complaint received 2022-11-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2022, JPMorgan Chase bank closed both my checking ( account number XXXX ) and saving account ( account number XXXX ) without any reason and explanation. 
I contacted them XXXX option XXXX many times, they only told me its still under review and they don't have a timeline when we will release the fund ( issue a check for my balance ). They owe me about {$4700.00} for checking account and {$30000.00} for my saving account. 
As today XX/XX/2022, it has been over 3 weeks, I still did not get any updates from Chase. Originally they told me that they will send a check to me within 10 business days after my accounts are closed. ( XX/XX/2022 ). 

Chase is being very unresponsive and refused to provide any updates and release the fund.

Please help, I need my money to pay rent and cover my living expenses!
Consumer complaint received 2017-01-05
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc ()

Hello, I was subject to multiple " unauthorized chargeback '' scams on PayPal. 
at XXXX i received a notification email from PayPal saying a case had been filed and required a response from me. 
At XXXX I received an email thanking me for getting in touch ( which i had n't, i was asleep ) and that the case had been resolved in favour of the buyer, as i was not " eligble for seller protection '' insurance. 

This can not have been properly investigated and i feel PayPal are punishing me for not using the seller protection program. There is no way they could have investigated this case thoroughly and i am now left out of pocket with a negative balance which i am sure PayPal will pursue.
Consumer complaint received 2022-05-03
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XXXX XXXX, 2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX-discharged XXXX, XXXX  XXXX
Consumer complaint received 2022-05-03
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. (MA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to CORRECT immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (IN)

I was driving home from XXXX XXXX XXXX  and I was called by supposed " XXXX XXXX '' ( who I bank with ) and they asked if I had been trying to send money to someone through Zelle. I had not.. I had no access to a computer since I was driving. They told me my account had fraudulent charges and then told me one of my checking accounts had to be closed because of the fraudulent activity. ( I had XXXX checking accounts ) They then had me send the money to confirm my identity to myself through Zelle to a phone number and said the money would get sent back to me once my identity was confirmed. Next, they said they would send me an email to reset my banking account. I never got an email. I called my bank to check on it and they said there was no record of anyone calling me and has heard of several people getting scammed through Zelle with this same fraud. I have tried multiple times with my bank to get my money back, but they say Zelle is a third party company and they can't do anything about it. {$1400.00} was stolen from me. 

The contact info for the person I sent my money to is XXXX XXXX. I've called the number and asked for my money back and she hung up on me.
Consumer complaint received 2016-12-17
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (MO)

Calling XXXX Times a DAY between XXXX and XXXX, for the last XXXX weeks. I am only XXXX weeks behind on the rest of my payment of just over {$70.00} ( I paid most of it on time but did n't have enough on hand to cover it all ) This is awful, distracting, I 'm unable to focus on my work and what 's worse is that it 's automated so it fills my voicemail with the same message!
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

on XX/XX/2022 i summited dispute with all the credit reporting agencies in regards to 3 open accounts on my credit report these accounts don't belong to me and is showing on my credit report. i have sent them information about my account with a ftc report stating that these accounts should be removed. they fail to investigate and remove these account. i have called to try to get this issues resolved but i was hung up on by three different rep and 1 supervisor this is not right I'm a single  mother trying to get a place to stay for me and my child.
Consumer complaint received 2022-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA (NY)

I made an attempt to get my due date changed because even after I pay my total bill at the beginning of the month, Im still getting a late fee. I noticed that my interest rate is going up every other month. Before XXXX took over XXXX XXXX, I didnt have a problem with bi-monthly increasing rates. I explained to them that Im on a pension and wont be able to make payments if my interest rate continue to increase every other month. I also explained to them that when XXXX XXXX had the account there were no increases in my interest rate every other month. After explaining to them about my 2 issues of changing the due date and giving me a fixed rate, they said they could not help me. So Im here trying to get a resolve.
Consumer complaint received 2022-11-01
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: JPMORGAN CHASE & CO. (TX)

I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JPMCB-Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-11-01
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'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX XXXX, MN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-01
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. (FL)

I am really getting tired of these company 's getting paid to report fraudulent things on my credit report and they never what to put the good on the report or they report the wrong amount For one! I am a full blooded XXXX XXXX that has full coverage medical and dental insurance and I have never ever had a XXXX! but also this is a recurring fraud on XXXX this XXXX for XXXX because not only my self but 5 friends and family have looked at there credit report recently and have the same thing XXXX XXXX I have full medical from the XXXX why am I supposed not using my insurance this is all scams.