davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
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: ERC (FL)

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 XXXXXXXX XXXXXXXX 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 2022-09-22
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (NC)

I have tried to contact Grain 's support center to update my bank account information due to closing my formerly used bank account. The only way to get assistance from Grain is to send an email online or using the mobile app. I sent a support request on XX/XX/2022 to have my bank account information updated so I may make my monthly payment. The company sent an automated response confirming they have received my request and " our average response is around two business days but in periods of higher volume, it may be longer. '' I did not receive any response so I sent another request on XX/XX/2022. It is now XX/XX/2022 and I have not received any response from the company 's support center. My account is falling behind because I am unable to make my payment due to Grain only accepting payments within the mobile app and providing the error " tap 'Contact Us ' to change your linked account. '' This will affect my credit as Grain reports to the 3 major credit bureaus. There is no company phone number to be found in the app or on their website so I am unable to call them to resolve the issue.
Consumer complaint received 2022-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MS)

TRS Recovery Services is claiming my Grandmother owes two different fraudulent check amounts to XXXX XXXX XXXX, cashed by XXXX XXXXXXXX XXXX. 

1. Date XX/XX/2022 for {$400.00} Check # XXXX Transaction # : XXXX XXXX. Date XX/XX/2022 for {$240.00} Check # XXXX Transaction # : XXXX We haven't paid anything, and I keep telling TRS to tell XXXXXXXX XXXX XXXXXXXX to CHECK THE CAMERAS. 
We do not know if her identity was stolen, or if TRS Recovery Service is used as a false front for bait, because they are asking for ALL HER INFORMATION on this debt collection form.
Consumer complaint received 2022-09-22
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. (CA)

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/XXXX, that XXXX and Equifax Credit Bureaus closed my complaint to protect my PRIVACY. I called XXXX and Equifax after I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (TX)

I have spoken with the company along with disputing it. XXXX and XXXX has correct but transition continues to make me dispute and send results 30 days later saying the information reported is correct. It had caused my credit score to be low.
Consumer complaint received 2022-07-29
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 (TX)

I had a valid credit card from JCPenny from 2016 which had been paid with no defaults for till XX/XX/XXXX. 
On XX/XX/XXXX, we went to purchase clothing from JCP but forgot to take the JCP credit card.

So, a JCP Employee asked for social security number to search the account but opened a new credit card account without our consent and billed the purchase there. 
After some time I started getting credit card statements over email and realized ( based on the last XXXX digits ) that a new card has been opened on my name. 
So, I went to the JCP store promptly ( on XX/XX/XXXX ), told them the problem and asked them to close the account as we have not opened on my consent. 
JCP asked us to make the balance to zero and we gave cash at the store so that they could apply on the balance to make it XXXX. 
Till then, we have been charged late fees and being mailed statements every month with an increasing card balance now amounting to XXXX I talked to Synchrony bank who opened the account several times, but they are yet to close this account or take any action for fraudulent activities. 
They kept asking for social security number ( I was reluctant to give over phone because of the above concern ) even after they verified out our identity with other information from the statement I have. 
They asked me to make the payment which I am not liable for and did not record for investigation of fraud.
Consumer complaint received 2022-06-08
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 the following have violated my rights ; XXXX XXXX, XXXX acct # XXXX XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXXXXXX acct # XXXX 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 2022-09-22
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. (NC)

I am XXXX XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$590.00} XXXXXXXX XXXX  XXXX Balance XXXX {$8100.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2022-09-22
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. (TN)

I sent a Bureaus letter last XX/XX/2022 but it has been drawn out into the open that you are not hindering records when I sent a FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-12-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (MA)

NATIONAL RECOVERY AGENCY has a negative remark on my credit report via XXXX stating that I owe an alleged debt for {$1200.00}. The Original Creditor was XXXX XXXX XXXX. I have no contract with NATIONAL RECOVERY AGENCY. They have submitted a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. The communication between NATIONAL RECOVERY AGENCY and XXXX XXXX XXXX about me is in direct violation of my privacy per the Privacy Act of 1974
Consumer complaint received 2022-09-22
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)

This is my 3rd Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2022-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MO)

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
Money was transferred from my account via electronic transfer, and through an intermediary named XXXX in the total amount of XXXX USD utilizing CitiBank services. 
This letter shall thrust into the spotlight, inter alia, the increasingly important role financial institutions play in the fight against financial crime and fraud, and the pressing need for higher levels of supervision and vigilance within the organization. 
Heres an indisputable fact : had CitiBank looked at the wider circumstances surrounding the above referenced transaction ( s ), this illicit transfer of wealth could have been prevented. 
Executing transactions without proper authority is not only a severe regulatory offense but also an irresponsible and reckless disregard of the customers financial safety. 
Against this background, and without derogating any of my rights, I hereby hold CitiBank liable for financial and emotional harm as well as XXXX problems relating to this victimization and demand that CitiBank reimburse my account in full within XXXX  days from the date of this letter.
Consumer complaint received 2022-12-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (AK)

I was interested to hear about the recent settlement against Wells Fargo, because I have just reported to them what I believe to be fraud that has negatively impacted my credit. 

I co-own a house with my XXXX, who sent me papers from Wells Fargo in XXXX, which he claimed would remove my name from the mortgage. He was in the process of modifying the loan to add arrears and extend the term of the mortgage to lower his payments ( I have not entered this house since XXXX, he has managed it by court order since XXXX, and it was ordered to him in our XXXX XXXX XXXX XXXX XXXXXXXX ). 

Every paper I signed for Wells Fargo, with a notary stamp had the following clause under my signature : " XXXX XXXX XXXX signing solely to acknowledge this agreement but not to incur any financial liability for the debt ''. 

With these papers, Wells Fargo did modify the loan, did not remove my name from it and I now have $ XXXX additional debt on my credit report. I believe this is fraud.
Consumer complaint received 2022-09-22
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)

The incorrect items 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 XXXX, Equifax and XXXX was XX/XX/XXXX,, 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 deleted immediately : XXXX 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 XXXXXXXX XX/XX/XXXX
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, USDOE/XXXX  account # XXXX XXXX XXXX  XXXX  account # XXXX, XXXX  XXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX  account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXX. XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

You have VIOLATED multiple laws. 
15 U.S.C 1681i 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.

You DID NOT have my written instructions to do so. If so, PROVIDE THEM.

I command that these accounts be permanently deleted from my credit profile or you will be held accountable and responsible for {$1000.00} per violation.
Consumer complaint received 2022-09-22
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. ()

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-29
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (WA)

On XX/XX/2022 I received a signed contract from XXXX ( XXXX ) for services I would provide, in part paid for with a {$1000.00} non-refundable deposit. I sent an invoice through XXXX for that deposit, the invoice clearly stating it was non-refundable. That invoice was paid through XXXX on XX/XX/XXXX. Two days later, with no reason given, I was texted the words that the contract was null and void, and the money was going to be demanded back. Shortly after, I received a message from XXXX that I owe them {$1000.00} and a {$15.00} dollar fee. I contacted XXXX, they provided the information that the payment was made through a charge card with Wells Fargo bank. I disputed the charge-back, providing objective evidence of the non-refundable nature of the deposit. I tried to resolve this with XXXX, they said it is an external issue with Wells Fargo. Wells Fargo says it is an issue with XXXX. Neither has any interest in resolving this. In the meantime, XXXX has threatened to send the information to a collection company. No lawyer will take on a big lawsuit for {$1000.00}. Can you help?
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

Apartment move-out, excessive charges. Lease states I provide electric utility, which I did, however management charged electric fee. Carpet replacement fee was for normal wear. I disputed initial collection. 
The collection is for an end-of-lease apartment move-out and contained excessive charges ( Claimed over {$2600.00} in damage for a unit rented for {$640.00} ) : Lease states I provide electric utility, which I did and cancelled the day I moved out, however management charged electric fee. 
Carpet replacement fee was for normal wear. Claimed {$1500.00} Painting fee was from normal wear and tv mounting holes. Claimed {$650.00} Microwave replacement fee? It worked when I moved out. Claimed {$200.00} They also charged fees for cleaning, removing trash, replacing blinds and a door. Claimed {$400.00} I disputed initial collection both to the apartments and collection agency, stating neither the carpet nor the paint were new at move-in and that I was a resident for several years so wear and tear was normal. It seems to me the apartments XXXX XXXX owned by XXXX XXXX exaggerated fees and repairs to drive up move-out statement.
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (NC)

Equifax has continued to report incorrect and invalid information. After several written attempts to have the credit bureau correct these errors, they still continue to report false items. They have my credit score listed on their website as XXXX. Yet, they reported a low score of XXXX to a lender. This is in violation of the FCRA. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Given all my attempts to address XXXX erroneous accounts directly with the Equifax XXXX, this is negligence and non-compliance with federal statutes. Please delete the disputed accounts in my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX. I have sent documentation with both disputes. This matter is still unresolved, and the bureau is now reporting low scores to lenders/creditors.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Hello, In accordance with the applicable provisions of the federal and state Fair Debt Collection Practices Acts and the federal Fair Credit Reporting Act, this dispute to the inaccuracy of the following item posted, which is incorrectly attributed negatively to my credit reports : ( 1 ) Account Name : XXXX XXXX XXXX ; Account No. : XXXX. Appears on my credit reports as a late payment in XX/XX/2022. However, that I was never late in making this payment as his mortgage account was being transferred to a new servicer and he indeed timely paid over the phone. However, the servicer who took his payment had a glitch which resulted in XXXX XXXX payment not going through. Upon discovering this, he immediately made another payment. But a late payment was nevertheless Reported to the credit bureaus even though this was not my fault. It was the payment system and the representatives of Chase fault. Therefore, at this time, I hereby dispute the accuracy of this late payment and demands that you immediately remove this late payment remark from my credit report. 

Incorrectly reporting this item by Chase is what predatory lenders that degrade communities and borrowers ability to maintain great credit to stabilize communities and neighborhoods.
Consumer complaint received 2022-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (MD)

I received repeated emails from individuals pretending to be from Equifax asking me to click on links to get my free credit score. 
The latest email was titled Equifax-Update sent to me from XXXX I suspect it is a phishing scam.
Consumer complaint received 2022-07-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

i sent dispute on XXXX XXXX.i have not got the results. my report have a lot of inaccurate. can someone please look at it