davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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 XXXX XXXX XXXX XXXX. File # 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 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (CA)

XX/XX/XXXX Wells Fargo discontinued carrying " secured '' credit cards, which I am a customer of. According to customer service agent this past XX/XX/XXXX, I was mailed a check XX/XX/XXXX in the amount of the " secured '' card ( {$300.00} ). Well, over one year later, every time I contact them, all they can do for me is open a " case '' to have someone eventually review, inform, and still not mail me {$300.00}. My accounts are now passed due, credit has been ruined, and they now tell me " good luck. '' I'm homeless now, and it feels like when I go into a branch, they look at me like I'm crazy for asking for my money. I'm so shattered inside by this type of treatment. Sad, just sad.
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VYSTAR CREDIT UNION (FL)

My mother 's card was stolen from her after she passed away but before officers and medics arrived on scene. I notified the bank that hee card was missing and they confirmed that it had been used numerous times sent her death. However, they said that they could not do anything until I became appointed as the personal representative of the estate through the court system. I voiced my concerns about the lengthy process and they assured me that they would still rectify the funds because this was a special circumstance. I completed that process and submitted all paperwork appointing myself the representative of the estate and requested the records which took months and many phone calls, voicemail, points of contact to finally receive. It was then i discovered almost {$800.00} of fraudulent charges that continued months after her death. At that time it took them just a few days to decide that they would not rectify the funds at all.
Consumer complaint received 2022-06-10
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. (SC)

After thoroughly looking at my credit report, I do not recognize these inquiries listed below. I understand there has been a data breach in XXXX with Equifax in which I was a part of and I notified Equifax of these marks on my credit report with no help : XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bank XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (MI)

I, XXXX XXXX, the consumer, rights have been violated per Fair Credit Reporting Act by Experian, the accounts were claimed to be investigated, verified or accurate but yet showed inaccuracies. According to the Fair Credit Reporting Act 607 ( b ) this accounts were not accurate. To be in compliance with the Fair Credit Reporting Act 611 ( a ) ( 4 ) and 611 ( a ) ( 5 ), Experian has been provided with relevant information ( photographic evidence ) on XX/XX/2022, that these accounts are inaccurate and shall be promptly deleted. This is a clear violation of the Fair Credit Reporting Act. DEPTEDXXXX XXXX XXXX XXXX DEPTEDXXXX 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 2022-06-10
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)

XXXX XXXX XXXX  XXXX has reported late payments unlawfully. They are in violation of Fair Credit Reporting Act. 

15 U.S.C. 1681a 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are transactions and experiences that are not to be reported.
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo is foreclosing on me. My husband died in 2013 he served in XXXX, but the courts and the bank want me out and they r gon na enter my home and take all my posesson 's as well. Please help
Consumer complaint received 2017-01-09
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (AL)

I sent {$800.00} by Western Union to my friend who was robbed while vacationing in XXXX. She presented here passport as Identification and the agent had her fill out and sign ( before receiving the cash ) all the paperwork. The agent then called the store manager over to give here the cash because the amount was too high for here to disperse. The manager again inspected here passport and then refused to give her the money because her middle name was on her passport, but not on the money transfer. They then told her that the transfer would be cancelled and I would have to resend it. When I went online to resend it, the transfer was listed as being received by my friend. I then contacted Western Union by phone and was told that it had not been canceled and it had defiantly been picked up. After talking to several more people on that call I was told that the agents in XXXX must have made a mistake and not cancelled the transaction. My friend went back to the agents in XXXX and told them this and they said she was wrong, the transfer had been cancelled. She requested that they call Western Union and talk to them to figure out what was going on and they refused. This transfer was on the XXXX of XXXX, 2016, and ever since then I, and my friend have been trying to get this corrected and find out where the money went. Western Union asked if I would like a formal investigation of this transaction and I told them to do so. Since that time I have heard nothing and am unable to reach anyone that can tell me any information about the investigation, or if the investigation is even occurring.
Consumer complaint received 2022-06-03
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. (IL)

In accordance with the Fair Credit Reporting act Convergent XXXX 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 2022-06-10
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. (CT)

I filed a complain one month ago with Equifax and I was told that XXXX XXXX will be deleted from my account. As of today it's still showing. Please delete XXXX XXXX reporting from my account as soon as possible. See attached for the prior complained.
Consumer complaint received 2022-06-04
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. (LA)

I am a victim of identity theft and I write to dispute certain inquiries in my file resulting from the crime. The inquiries that I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. 

Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

EQUIFAX XXXX : XXXX XXXX XXXX Owed : {$270.00} XXXX XXXXXXXX Balance Owed : {$350.00} XXXX XXXX  Balance Owed : {$640.00} Original Creditor Balance Owed : {$49.00} Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$640.00} Inquiry : XXXX XX/XX/XXXX XXXX Collection : XXXX XXXX XXXX Balance Owed : {$820.00} XXXX XXXX Balance Owed : {$270.00} XXXX XXXX Balance Owed : {$350.00} Inquiry : XXXX  XXXX
Consumer complaint received 2022-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX my father passed away. On XX/XX/XXXX, my mother 's niece transferred {$25000.00} to my father 's brother 's bank account. Again, on XX/XX/XXXX another transaction for {$25000.00} was transferred to the same brother 's account. The grand total was {$50000.00}. My mother 's niece setup the online user name and password for my father, but was NOT authorized on this account as a co-owner. The bank failed to reverse the two transactions and required the only one who they would speak to would be an administrator to the estate. Probate court granted myself as administrator on XX/XX/XXXX. In speaking with the bank, I have been told they can do nothing to reverse these unauthorized / illegal transactions and it is a civil matter.
Consumer complaint received 2022-06-10
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I sent in a complaint for a refund request due to a scamming investment that I did on my account. This person made me believe that I was going to be compensated to receive funds through his investment company if I was to invest in his company. So I borrowed out of my Citi Simplicity credit card account on approximately XX/XX/22 {$5000.00} and that scammer asked me to send him gift cards from XXXX XXXX and XXXX gift cards also from that money that I borrowed from my account to invest to his company. Then I also deducted {$2000.00} from my checking/savings account. 
I sent in a letter to Citi Simplicity on XX/XX/22 letter was dated XX/XX/22 telling them my issue and have not heard back from anyone regarding this issue. I asked to whom it XXXX concern to please reply to my letter and I have not received any reply to my concern since. 
I had to file fraud on all 3 credit bureaus close my accounts due to this and I filed a police report also. I have been a loyal customer for years with Citi Bank and also a credit card holder for many yrs now. I can't seem to get the help I need from your company
Consumer complaint received 2022-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (UT)

I went to Marshalls  in XXXX on XX/XX/31 for I had about XXXX in gift cards and that should have worked towards my purchases for reason they did not and there computers were down for the gift cards or something happened where they didn't work only thing I had on me at the time was my tj max credit card for the whole amount the purchases this was not my fault at all and there was a full XXXX on the gift cards that I had since that was a company error I would like a XXXX credit of my purchases from that day at Marshals. I have emailed Synchorcary bank corp offices over the last 2 weeks several times and no in the company has responded to me what so I think they are ignoring me and don't want to dress my issues I just need a XXXX, XXXX credit put on my account for the purchases I made that day since this was not my fault at all synchonary bank has not responded once to my emails at all
Consumer complaint received 2015-12-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: LOBEL FINANCIAL CORPORATION (TX)

My husband and I have received several voicemails advising us that we have completed an illegal transaction that, depending on whose voicemail it is, has ranged from an insufficient funds check to an invalid account. Via voicemails, the agent is telling us that our account is behind due to invalid/insufficient funds and that we are past due. She also states that what we have done is illegal. We always made our payment timely and frankly, I am stunned to receive such a voicemail, when I know that what she is saying is not true or legal to say.
Consumer complaint received 2017-08-14
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX, 2017 I wrote XXXX, Experian and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.
Consumer complaint received 2022-06-10
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: JPMORGAN CHASE & CO. (FL)

In Authorized Personal Credit Pull Was Initiated On XX/XX/2022 Business Ink I Did Not Give Written Instructions to pull PG on Credit Application, I Was pressured into approving an Personal Credit inquiry Delete Business Inquiry Off Of My PG Personal Credit Report I Would Like To Be Mailed A Copy As Fair Credit Act States Sun Chapter ( 15 USC Sec 1681i A )
Consumer complaint received 2016-09-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TX)

I send certified letters for the past 4 months, asking for verification of unverified accounts listed on my credit report. I have demand in each letter for copies of the original contact with my signature or immediately deleted the unverified account. 

Despite my requests, the unverified items still remain on my credit report and this is in violation of Federal Law and my rights. I have not received any original contacts from the credit agency and by law is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of credit agency investigations, it stated in writing that agency " verified '' that these items are being " reported correctly ''? My question is, who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

please note, if you need copies of the letters send, please inform my by email. 

thank you
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (NY)

Dear CFPB, today, XXXX XXXX, 2015, I received an harassing collection letter via US mail from a agency called J.C Christensen & Assoc., Inc. concerning a judgment or debt I, XXXX XXXX XXXX am not a party to. I did send via certified mail a debt dispute letter to cease collection efforts.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (MS)

Republic Finance -S has violated my right with extremely inaccurate reporting. They claim the account is in charge off after the closing date which none of the 3 bureaus are reporting. they are reporting inaccurate and scattered payments and charge off. the last activity is either missing or different for all bureaus. payment status is incorrect and different with all bureaus of missing information. How is this possible? I've tried to dispute but no one cares. These are grounds for removal. if they don't report the exact same information it has to be removed They also violated my rights under 15 usc 1681s-2 / 15usc 1681 section 602 A / 15 usc 1681 section 604 A section 2
Consumer complaint received 2022-06-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AL)

In XX/XX/2020 I moved from the home owned at the time by XXXX XXXX. Due to foundation issue and flooding I was promised to be removed out of that home into another XXXX  property by The Supervisor at the time XXXX XXXX because the home was no longer in living conditions due to molding and the walls detaching from the home. My children had to undergo XXXX stay because of the molding. XXXX XXXX and myself were in argreement that me and my family will be moved and placed in another home, especially with a child with XXXX XXXX XXXX and a XXXX XXXX XXXX After the let down and my family being displaced. I later found out that they are alleging I owe a sum of {$12000.00}. I reached out to an attorney who also wrote them. Which the attorney didnt receive no correspondence. I have over the amount of evidence from pictures, statements by the insurance company, emails from XXXX, and etc. When we reached out to them for the last time they said the no longer owned the debt because the home was sold to another company but yet its still reporting on my credit. Its reporting false information and is violating the fair reporting act.
Consumer complaint received 2022-06-10
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. (AL)

So I sent a letter on XX/XX/2021. To remove personal information that i don't want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy, also according to 15 USC 6802. No Financial institution is not suppose to share my informant ion to third party people,
Consumer complaint received 2022-11-02
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. (MS)

On XX/XX/2022, I was alerted that a medical collection for {$150.00} from XXXX XXXX XXXX that I had no knowledge of was reported on all three credit bureaus. I immediately filed disputes with all bureaus requesting the removal as I had never received any documentation/statement/bill from creditor recently or in the past. On XXXX XXXX, after investigation by the bureaus, XXXX XXXX XXXX removed the collections from their reports as being unfounded. However on XX/XX/2022, Equifax reported that the collection will remain on their credit report for me. I find it very unlikely that two of the three bureaus deem the collections as invalid, but Equifax is unable to remove the collections. I have requested verification from the credit bureau and the creditor for validation of the collection, but I am unable to receive a response. 

How is this legal to disrupt someone's life because a creditor wants to extort money out of consumers for their deceptive practices without providing evidence? The burden of proof falls on the consumer although they have no knowledge or never utilized their services.
Consumer complaint received 2022-06-10
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. (MD)

After perusing my credit profile and series of corresponding, I had noticed so many discrepancies/inaccurate/error reports on my credit profile account. 
This has greatly violated my right under fair credit act 15 U.S. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And not limited to 15 U.S. Code 1681c I request that all these accounts be deleted from my credit file.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

XXXX and XXXX I have contacted equifax in regards to my credit report pulling is blank. My 2 different mortgage companies can not access the report. I have submitted documents and talked to numerous representatives. Nothing has changed but them keep telling to send documents of my identity over. I have been faxing for about 10 days now.