davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

WE are the victims of sammer targetted at elderly. someone using my XXXX XXXX account from XXXX  and fake farudulent manager from XXXX sends a refund check for more than the purchase price ( approx. XXXX and asks me to give them the difference on a gift card. ( That check, by the way, will turn out to be fake. ) and wire trafer to the XXXX bank branch in XXXX.ON XXXX we purchased {$5000.00} and on XXXX we wired transferred {$14000.00} into XXXX Bank account XXXX in XXXX. THe beneficiary is the person by the name of XXXX XXXX. On XXXX we report fraud to Wellsfargo bank in XXXX XXXX ( XXXX ) and the bank notified the wire transfer department to put the recall of the wire tranfer ( transation # XXXX )
Consumer complaint received 2021-01-31
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: DISCOVER BANK (TX)

Attached is additional information regarding the theft, fraud, impersonation, forgery, and false pretenses on my Discover Card by XXXX XXXX. Please add this to the pending complaints. I have filed many complaints and I have several pending now against Discover. The following are examples of the forgery, impersonation, and false pretenses of XXXX XXXX. Just like she did Discover. XXXX XXXX is mentioned on IRS Form 14039 Fraud Affidavit. XXXX XXXX sent me the attached application and contract to rent furniture under my company name. It was obvious sloppy fraud and XXXX dropped the claim when they saw her finger in the photo. XXXX XXXX also stole 5 XXXX from XXXX by charging to my company account. She was able to get my PIN from one of the employees. She then stole the phones from my rural mailbox. I am requesting this information from XXXX XXXX XXXX and will send later. Also attached are forged documents on two cars purchased under my name from same dealership on same day. Again it was sloppy fraud. Notice different salary amounts, her name, her phone, and her email address.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Paypal Holdings, Inc (NV)

Paypal reversed promised PERMANENT credit to create negative balance of {$62.00} in an attempt to refuse to allow me to remove my bank debit card attached to my exempt Social Security direct deposited funds. I've since received a threatening collection email from Paypal, to which the negative balance will add collection fees, a motive for the permanent credit reversal.
Consumer complaint received 2021-10-07
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. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2020-01-25
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. (NV)

I receive a notification from XXXX XXXX  that I had a new inquiry on my credit report on XX/XX/2019 so I logged into XXXX XXXX and seen a company called XXXX. I immediately called XXXX and the company advised me that I needed to call the Credit Bureaus so I called Equifax and XXXX XXXX and they told I should do a dispute and when the information is not able to be verified it would be removed. I also went to the police station to file a police report and the officer explained to me that because it was only an attempt to access credit and no account was opened then I couldnt file a police report unless a form of credit was opened in my name. Equifax and XXXX claimed that they investigated my claim which they absolutely did not. I asked for the documents and signatures proved to them in this fraudulent attempt to steal my credit information. To date XXXX XXXX and Equifax have not provided me with any factual information only a generic pre generated response over and over. I have never had or attempted to gain access from XXXX and XXXX XXXX and Equifax never actually investigated because if they did they would have seen there is no copy of my Id, or social security card with this company.
Consumer complaint received 2021-01-31
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)

On XX/XX/2020, I sent letters regarding inaccurate information being reported on my credit report and I have yet to receive a response. I am highly upset and I feel as if no one cares. Section 611 ( a ) states that a failure to investigate items within a 30 day period provides a reason to immediately remove those items from my credit report. It has been about 45 days and they should be deleted at this point. This situation has been really stressful and I do plan on filing for litigation if these items will not be removed. My information was also impacted by the Equifax data breach and I know that it has got into the hands of the wrong person.
Consumer complaint received 2022-10-05
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I payed off the Debt of {$160.00} to XXXX since XXXX XXXX  told me XXXX bought back the debt account so went on the XXXX to pay it off. Since Ive paid it off they told me wait a month I did and nothing now its been four whole months and its still showing on my credit report. Ive called several times at XXXX  and submitted a dispute on Equifax only to get my dispute closed. Ive called XXXX they said they cant do nothing about its up to Equifax to remove the inquiry. Please someone help me reach out Equifax for them to fix their broken system.
Consumer complaint received 2021-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX {$1200.00} Charge Off XXXX XXXX XXXX {$370.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$5200.00}
Consumer complaint received 2018-02-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

I have a home mortgage with Wells Fargo. 
I prepaid my state and local taxes for calendar yer XXXX in calendar year XXXX. 
I requested a refund from Wells Fargo for the taxes that I have already prepaid. 

I have not received a refund from my escrow account for the taxes that I have prepaid. 

Despite several requests, I have not received any response as to when I can expect such a refund.
Consumer complaint received 2021-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MN)

I got a copy of my credit report from Equifax and found an inaccurate bankruptcy listed and invalidated information reported. Per FCRA 623 ( a ) ( 5 ) : If the credit bureau can not validate the information with the ORIGINAL creditor, they must remove the said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which state that they do NOT validate or provide information to credit reporting agencies or validate or confirm public records from third party providers such as XXXX. Public Records cant be validated due to the FCRA Privacy Laws. If Equifax cant provide a court order to place this information on my credit report or my authorization of release bearing my signature to report this bankruptcy, they must delete it. Per FCRA, section 609 ( a ) ( 1 ) ( a ), you are required to verify through physical verification of the original signed consumer contract. How are you verifying this bankruptcy, if the Bankruptcy Court and 3rd party vendor XXXX doesnt verify Bankruptcies? I have attached a letter from XXXX that this bankruptcy is not reporting under my credit profile with them. This bankruptcy needs to be removed from my credit within 30 days for violations. If not, litigation will be pending and complaints to the MN Attorney Generals office, Federal Trade Commission and more complaints to the CFPB will be filed.
Consumer complaint received 2021-03-28
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: SYNCHRONY FINANCIAL (PA)

recently reviewed my credit report and noticed I have a inquiry from this company I did not authorize them to do so I have reached put numerous times to resolve. Unauthorized use of my information to obtain credit etc process done as well as police report
Consumer complaint received 2021-01-31
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P.S.C., Inc (WA)

First my complaint is not against XXXX XXXX XXXX as documented in your records. But against XXXX XXXX XXXX and XXXX XXXXXXXX XXXX. 
There was also an error made in having XXXX XXXX begin their records search on XXXX XXXX, 2017 rather that XX/XX/XXXX, 2017XXXX XX/XX/2017. The actual dates that I was a patient at XXXX Hospital. Despite this error, you will see that it has no effect on the outcome of this very serious matter. 
Below you will find the attached timeline of my stay and the events that followed. Each with a documented evidence supporting my argument.
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2020-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (SC)

On XX/XX/2020 I received a phone call from Tate & Kirlin.  When I answered there was a pause before connecting me to a live operator who asked to speak with someone else. I advised the caller that he had woken me up as I am on a nights schedule and that this was not the number for the person he asked for. 

The pause in connecting me to a live operator is indicative of Tate & Kirlin 's use of an " automated telephone dialing system '' ( hereafter referred to as an autodialer ) as defined in the Telephone Consumer Protection Act. 

I wanted to inform the caller that the time of day he had called was inconvenient to me and to not call me during such hours.The caller identified that he was calling from Tate & Kirlin but he disconnected the line before I could tell him not to call at such time of day. 

My caller id listed ( XXXX ) -XXXX. I called back several times but the line rang to a full voicemail box and I was unable to leave a message. 

A XXXX search showed a number for Tate & Kirlin as ( XXXX ) -XXXX and that it is a debt collection company. I called that number and spoke to a female who confirmed that their company had called before. I confirmed my demand not to call during daytime hours and the female noted the request was recorded. 

I do not have a prior business relationship with Tate & Kirlin. I never give consent for Tate and Kirlin to contact me in any way, nor to use an autodialer in an effort to contact me. I do not have a debt that Tate & Kirlin is collecting. I am a third party that they were knowingly contacting in an effort to collect someone else 's debt. 

The initial male caller did not identity himself and did not state he was seeking to confirm or correct location information about the person he asked to speak to. Federal judge XXXX in Halberstam v Global Credit & Collection Corp noted that the Fair Debt Collection Practice Act states that the only permissible reason a debt collection company may contact a third party is to confirm or correct location information about a debtor. It is an unfair debt collection practice to contact a third party for any other reason. 

I sent Tate & Kirlin a certified letter in which I demanded a cash settlement in lieu of litigation for this violation of the Telephone Consumer Protection Act and the Fair Debt Collection Practices Act. Tate & Kirlin has not replied to my letter.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: EQUIFAX, INC. (TN)

I XXXX XXXX, rights of privacy has been violated and breached by this bureau which is a direct violation of federal law 15 U.S.C 1681 ( a ) ( 4 ). This bureau is a also in violation of federal law 15 U.S.C 1681b ( a ) ( 2 ) by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

Equifax is reporting a fraudulent Bankruptcy on my credit file. Bankruptcy # XXXX is a fraudulent Bankruptcy that i did not open or authorized for anyone else to open. I have contacted Equifax previously about this account and they have yet to remove the public record from my credit file. They have yet to provide me with proof that I opened this account. If Equifax can not provide me with physical proof that this bankruptcy was opened by me then I would like the fraudulent account removed. This will be my last contact with them before I contact my attorney and proceed with legal action for reporting fraudulent information on my credit file and not providing me with the proof that I opened the bankruptcy.
Consumer complaint received 2019-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (CA)

I went XXXX XXXX on XX/XX/2018 for XXXX XXXX and was quoted apr rate of 4 % by Care Credit/Synchrony Bank but are charging me 26.99 %
Consumer complaint received 2022-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Entrata Inc. (CO)

I lived at XXXX XXXX XXXX XXXX XXXX IL XXXX from XXXX this was my home and I owned it until we sold PLEASE TAKE THE FOLLOWING OFF MY CREDIT REPORT I never lived at XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX I never lived at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX
Consumer complaint received 2021-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I was the victim of a sophisticated wire fraud and lost {$25000.00} in this fraud scheme with Chase. I have been dealing with a Chase representative who has guaranteed and assured me that after following all the procedures and necessary reports, Chase would reimburse me. I have lengthy documentation of my case and have written directly to Mr. XXXX XXXX, CEO of Chase. After nearly 6 months of working with Chase and being misled, they told me they will not reimburse me. Chase has had all of our reports and document filings for months -- if I did not qualify for reimbursement as guaranteed by the branch manager, why did it take all of this time for them to now reject my claim. Chase is being negligent and reneging on their promise to reimburse me for the wire fraud. 

I have attached the police and XXXX reports, my attorney 's demand letter, and detailed emails sent directly to Mr. XXXX XXXX, the Chase branch manager from the XXXX. XXXX, NJ Chase office who assured and guaranteed me I would receive my {$25000.00} reimbursement for the last 6 months as well as the emails sent to Mr. XXXX XXXX. My father has also been helping me with this case and has spoken directly to Mr. XXXX XXXX, the branch manager and helped with emails sent directly to Mr. XXXX XXXX.
Consumer complaint received 2021-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (PA)

I, the consumer XXXX XXXX entered into a credit transaction sale in 2015 with DISCOVER CARD. I extended my credit to them by way of 15 USC 1602 using my social security number. This is a finance charge in which is the sum of all charges. DISCOVER is continuing to use abusive tactics trying to collect a debt that was already paid. I've sent three cease and desist and three Affidavits of Truth and DISCOVER refuses to stop contacting me in reference to a debt. This is also a violation of my federally protected consumer rights in which is 15 USC 1692. DISCOVER has also violated my privacy on several occasions by reporting my information to credit reporting agencies without my permission. DISCOVER has never given me an opportunity to opt out of being reported in which is in violation of 15 USC 6802. DISCOVER has caused me financial injury and has ruined my reputation in which is in violation of 15 USC 1681b. I want this harassment to stop immediately.
Consumer complaint received 2022-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TOYOTA MOTOR CREDIT CORPORATION (PA)

Toyota Corporation Says My XXXX XXXX Was Repoed This Is Incorrect On My Report I Bought Lease Out In XXXX Of 2020, I would Like For This Removed From My Credit Report I Sent Them A Letter Regarding This Matter And They Told me That The Credit Reports Say This And This Is Incorrect I Tried Applying Through Toyota And I Got Denied Please Need This Removed From My Report! I Bought Lease Out Through XXXX XXXX XXXX In XX/XX/2020!
Consumer complaint received 2019-09-28
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: AES/PHEAA (FL)

Since the last three years several accounts keep reappearing on my credit report after filing disputes. Several paid off accounts. Student loans history as well that were consolidation. In addition, I have a fraud alter on my report and i still get plenty of inquiries.