davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OpenRoad Lending (PA)

I refinanced my auto loan was promised XXXX XXXX. Was told i had it & I told them I didnt want any extra just the XXXX & they added extra stuff that I declined & didnt added the XXXX. They admitted they made a mistake but they cant fix it & that Im just out of luck. They have the recording of everything & their agent saying I had it & it was fine. But since I signed the loan paper saying it wasnt it on there its my fault & they cant help me. They said they coach their agent on the error but thats that. They wont give me the recording. But there sorry for the mistake
Consumer complaint received 2022-08-22
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. (DE)

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 602 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 2022-06-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: M&T BANK CORPORATION (MD)

My company XXXX XXXX XXXX XXXX in XXXX, MD has a customer who banks with M & T Bank. We entered into a payment arrangement with the customer whereby she authorizes us to prepare a check from her account and deposit it to our account at XXXX XXXX. To be clear my complaint is not with XXXX XXXX  but with M & T Bank. 
We prepared the check for the month of XXXX as we always have with the proper account number. The check was returned by M & T bank to our account with XXXX XXXX  with the notation that the Bank ( M & T ) was unable to locate the account. I contacted the customer and she assured me that the account number had not changed. We were charged {$12.00} by XXXX XXXX  as a result of the negligence of M & T Bank. We then prepared a new check on the same account and the check was paid. M & T bank needs to reimburse my company the {$12.00}, I went to the local branch of M & T and they were of no help. I received a call from the manager today. XXXX XXXX. When I explained the situation to her. she said they would need to charge her customer for the negligence of the bank. I said that is not right. She proceeded to hang up on me.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK (GA)

On XX/XX/XXXX, I submitted a wire request from Discover Bank to my XXXX XXXX XXXX account to purchase a car. The wire went through, then on XX/XX/XXXX I received an email from Discover Bank stating they froze my accounts and said to call them. I have called them multiple times and they never pick up the phone. 

Today I tried to call them again and was put on hold for over three hours and then hung up on. I need them to reach out to me or answer the phone so I can have access to my money.
Consumer complaint received 2022-09-21
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: Westlake Services, LLC (DC)

I am a victim of identity theft. There was a car loan that was taken out with westlake financial. The company listed on my credit report has 2 different names Westlake service inc and westlake portfolio M. The balance is XXXX and the date the loan started was XX/XX/2020. I informed the company that account does not belong to me and that I did not take out the loan nor did I have the car in my possession.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

This happened between XXXX through XXXX Wells Fargo charged me around {$500.00} in fees by withholding the deposits not informing me that the funds wouldn't be available. And also their ATMs cut two or three checks in half that were returned and I've had other check cashing issues I finally just closed my account.
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date XXXX inquiry : XX/XX/XXXX ; XXXX XXXX/XXXX  XXXX  XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX XXXX  XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX OF XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO. (SC)

I am banking with Chase Bank and have a very large check for around the amount of XXXX XXXXXXXX that was cashed on XX/XX/22, but I am unable to obtain it. All parties involved are very frustrated and I have spoken to XXXX different people and an advisor. They even closed my account yesterday XX/XX/22. Have been on the phone all day XX/XX/22. 

They need the person who is on the check to be verified, but the system that they use is by checking a phone number that is tied to the person who wrote the check. The person who wrote the check has a number on the check that is over XXXX old, but their system says it isnt tied to the individual. Called them and gave XXXX more numbers that the person who wrote the check is tied to for over XXXX yrs and Chase still says they dont see it tied to the person who wrote the check. 

I ask to have them send the money back to the person who wrote the check or give me back the check. They say that they are unable to do so. So Chase apparently can not give either party back their money. 

This is absolutely outrageous.
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: EQUIFAX, INC. (NJ)

I paid off a collection from XXXX XXXX XXXX  the bureaus updated it to an XXXX $ balance then updated it again with the same balance that I paid off which was XXXX $ It shouldve stayed an XXXX $ balance instead of putting an fraudulent balance on the account when it was paid off!!!.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Financial Data Systems (NC)

Financial data systems is reporting a collection of {$85.00} on my credit report which is a medical debt collection they are reporting - arent medical collections under {$500.00} supposed to be removed from Credit files? Please advise.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma (WY)

Please accept this letter, certified mail & return receipt requested, as an official complaint. From XXXX thru XXXX  ( current  ) I have been subscribed to credit karma services. During this time I applied for multiple lines of credit and was denied with few if any approvals. Specifically, the credit karma platform claimed I was either pre-approved for a new line of credit or that my approval odds were either outstanding, excellent, good, or fair. In reality these overinflated odds of approval were deceptive and quite harmful to my credit score. Said platform also deceptively claimed to offer lines of credit from soft pull inquiries when in fact they were hard pulls. Corrective action should be in guidance with the the FTC recommendations for being in violation of Section 5 of the Federal Trade Commission Act. Said platform falsely represented that I was pre-approved for credit offers and/or falsely represented that these offers were soft pulls when in fact these were hard pulls. This was a negligent and malicious marketing campaigns designed to trick me into taking specific actions, like applying for a credit card that I was allegedly preapproved for. This deception was for financial gain. My credit has suffered as a direct result of these unfair practices. I already demand to credit karma the following hard inquiries removed as I did not consent to such or was misled with approval odds. 

XXXX : XXXX XXXX XXXX  ( XXXX, XXXX XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Thank you CFPB for accepting my complaint against credit karma. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-06-28
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (GA)

As you are aware I continue to submit information regarding my personal situation as it relates to ID theft etc. I was in the XXXX XXXX XXXX XXXX in regards to XXXX XXXX XXXX XXXX, XXXX Ga XXXX. As I continue to filter through various documents which were left by my ex business partner I uncovered documents from XXXX XXXX XXXX which were placed into my court file. I do believe these items were placed into my file intentionally as my case was very well known and the level of fight to retain the above address from my business was based on determination and persistence. I knew XXXX XXXX XXXX hired XXXX XXXX XXXX firm and XXXX XXXX ( assigned attorney ) was in a very unethical relationship with not only XXXX XXXX XXXX but also the XXXX XXXX and other to ensure the XXXX XXXX was taken from me. It appeared to have been based on Constructive Eviction. 

Although, the CFPB may not be the correct agency to submit this information to, I am submitting it for the purpose of exposing the level of corruption which took place at the time of my court battle and continues to take place. 

Further research reveals the same attorney XXXX XXXX, and same judges XXXX XXXX and XXXX XXXX who were both involved in my case, appear to possible have formed a ring which allows this attorney to purchase properties illegally and in the same manner as XXXX XXXX at XXXX. Although this is a different case the action were very similar. 

Payments were made from XXXX XXXX 's personal account XXXX XXXX, XXXX and XXXX to purchase this property for his self profit or for a company noted as XXXX XXXX XXXX XXXX. Ironically, the Writ to marshal and XXXX XXXX both took place on XXXX???? 

In addition, payments were being made to A XXXX XXXX at Wells Fargo Bank in North Carolina. This individual currently serves a a XXXX XXXX in XXXX XXXX California. Ironically, the ex XXXX XXXX XXXX XXXX resides is XXXX XXXX. There was testimony provided by XXXX XXXX XXXX during the XXXX XXXX XXXX, which was deleted from the transcripts, but verified by the agency 's ALLIANCE FOR CHANGE THROUGH TREATMENT Post Hearing Briefs, XXXX XXXX was holding after hours meeting with other to create a plan to destroy me personally and my agencies. 

Wells Fargo committed EXCESSIVE mortgage fraud against both personal and commercial properties which also connects the above parties given their roles. Wells Fargo 's fraudulent XXXX 's were previously uploaded.
Consumer complaint received 2022-09-21
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I have asked XXXX Equifax, and XXXX  repeatedly to remove the addresses I have never seen before on my credit report, they do not belong to me, I have been living at XXXX XXXX XXXX, XXXX, TN XXXX for the past 10 years, please contact them to remove all addresses that are not XXXX XXXX XXXX also my name is XXXX XXXX, not XXXX XXXX, I have repeatedly sent my license, my utility bill, and ss card to have them update and they still will not comply I want my personal information updated immediately.
Consumer complaint received 2021-01-17
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. (MN)

The following information listed on my XXXX  and Equifax credit report is inaccurate, incorrect and not my information : Employer : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, I never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX, the following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX  XXXX/XXXX, XX/XX/XXXX
Consumer complaint received 2022-09-21
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: Financial Data Systems (NC)

XXXX is referencing another persons name on my credit report. XXXX is reporting a family member XXXX XXXX on my credit report as seen in the attachment. This has never been validated and its illegal for them to list another person on my credit report!
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. (IL)

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.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

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. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.
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)

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX XXXX was unable to set me up in their system so I could pay my bill. They sent me this email confirming this : XXXX XXXX The digital escalation team at XXXX XXXX has received your case ID # XXXX. 


Your case is part of a larger issue that will take more time to correct. Our tech teams are working to fix the problem, and we'll reach out to you as soon as any updates are made. 

Thank you for your patience in the meantime, and should you need any additional assistance, feel free to contact us at XXXX. 

Sincerely, XXXX XXXX  Digital Escalations Team
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-06-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: RFNA, LP (TX)

Someone has opened some accounts in my name that are fraud I will be filing suit against XXXX XXXX XXXX There are XXXX XXXX accounts on my credit profiles and XXXX XXXX XXXX