davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-23
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

I haven't heard back from the bank yet but they have been made aware today. I cashed a check at my bank and for some reason the insurance company canceled the check and it bounced four days after cashing it. However the check is in my name at the bank I have a checking account with and this bank decides to remove the funds from the check in my name from my minors dedicated funds account instead of charging my account. Clearly paperwork and account information states my XXXX is the owner of the funds deposited into this type of account. It's XXXX XXXX XXXXXXXX Which are entitled to my son. However the bank took the money from the check out of my sons account. Now my sons account is negative overdrawn and its due to this bank not removing funds from the correct account which is my personal checking.
Consumer complaint received 2022-11-23
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. 

Account name : XXXX XXXX, Account name : US Dept of ED XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX, Account name : XXXX XXXX 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 a account without my written instructions.
Consumer complaint received 2022-11-23
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)

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
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 list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 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 take 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 2022-01-05
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: DISCOVER BANK (CA)

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on DISCOVERBANK. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( DISCOVERBANK XXXX )
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

Barclays Bank Delaware is incorrectly reporting information on my credit reports. I have attempted multiple times over the past four years to correct this information with no luck. I will list below the negative information that is being reported on my credit reports with images from the credit bureaus to show what I am describing. 
Barclays is reporting an available credit limit on a closed account which hurts my credit score. They are also reporting new negative monthly payment information on an account that has been closed for four years. 
On the XXXX report, Barclays account is reported as being charged off on XX/XX/XXXX. However, they reported a 120 day late payment for the following four months after the account was already closed. They are continuing to report new negative monthly payment information on this account. Barclays is also reporting on XXXX a credit limit of {$10000.00} from XX/XX/XXXX to XX/XX/XXXX when the account was closed in XXXX. 
On XXXX Barclays reports being closed on XX/XX/XXXX which differs from what they report on XXXX. However the payment history reports the following four months after the account was closed as 120 days late.
Consumer complaint received 2022-11-23
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. (CA)

These inquiries were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. code 15 U.S.C. & 1681 Section 604 of The Fair Credit Reporting Act.
Consumer complaint received 2022-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (IN)

XX/XX/2022 : Made a call to Edfinancial asking about the procedure for accounts that were paid in full during the pandemic, agent told me I did not have to request refund and that I simply had to wait for loan forgiveness. After looking at official documentation, this did not seem to be the case for accounts that were paid in full and I did have to manually request a refund. 

XX/XX/2022 : Made a call to request a {$20000.00} refund and my loan reinstated, there are still no changes to my account after a month ( as of XX/XX/2022 ).
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2020-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I have a escrow account for taxes and insurance. The mortgage company is failing to pay insurance. In XXXX they didnt pay my hazard, causing a end in my insurance caused many problems to get reinstated. They did not pay in XXXX, I had to pay out of my own pocket, now they want me to get there insurance at a higher rate ( just like in XXXX ) they will not reimburse me or verify my hazard insurance with XXXX XXXX XXXX XXXX California.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Debt Recovery Solutions, LLC (FL)

Debt Recovery Solutions reported to the credit bureau that I owed {$380.00} from a past XXXX bill. XXXX claims that I do not owe anything. Debt Recovery Solutions contact phone number does not work to try and call to dispute. When researching the company, they reported false claims to the credit bureau multiple times.
Consumer complaint received 2022-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (GA)

I recently did an investigation on my credit report. I am distressed that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. I respectfully requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my wet signature such as ; Original contract Payoff disclosure Interest rate disclosure Balance history Payment History Credit insurance which they failed to provide to me. The item must be deleted from the report as soon as possible.

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
AARGON COLLECTION AGENCY Total amount : {$3800.00} Date XX/XX/22
Consumer complaint received 2020-06-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

They close my account and they said the money that was given to me on the account they were going to mail me a check even though I wanted them to do the money transfer a direct deposit into another account and they said it be there in 10 days and its been over 30 Ive called him over and over again and theres always a problem
Consumer complaint received 2022-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc. (NY)

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with KIKOFF LENDING LLC for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments 30/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. 

The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Data Systems (NC)

On XXXX XXXX, XXXX cashed a check in settlement of money owned. We received a notice from a creditor, Financial Data Systems, XXXX, that XXXX passed our account to them for collection due to non-payment. Prior to this notice, we received no second or third notice of non-payment from XXXX, and we had no reason to believe after the check was cashed that there was any potential issue with the account or XXXX accounting. We contacted XXXX XXXX on XXXX XXXX, and they stated they would open an investigation and have a superior call us. We contacted Financial Data Systems, XXXX to inform them of the error, and Financial Data Systems, XXXX stated they would await notification from XXXX XXXX XXXX On follow up on XXXX XXXX, no investigation had been started by XXXX XXXX XXXX Re-requested both an investigation and a call back from the supervisor. We continue to be at risk of Financial Data Systems, XXXX filing derogatory payment data to credit reporting agencies due to this error despite being pro-active and aggressive in seeking a resolution. All consumers working with XXXX for medical billing should copy / scan all payments before mailing and keep a copy of the cancelled check ( front and back ) on record. At the time of this complaint, the issue remains unresolved.
Consumer complaint received 2022-11-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

Grant and Mercantile Agency are sending me letters on XX/XX/2022 saying I owe them {$140.00} because of interest charges when I had already paid off what I collected months prior on their app called XXXX. Ive been disputing them and showing I paid on time ( despite them trying to take money unauthorized out of my bank account at XXXX ), but they are now sending me letters saying I owe a completely ridiculous amount for interest. I looked online to check my credit from a link given to me from my bank and the XXXX XXXX said they would be cleared from my credit report but they keep popping up every time I get them cleared and sent me the letter two days after I got them cleared. I did further research and found out other people have also had an issue with them and have been scammed out of thousands because this company makes up random absurd expenses and tries to force you to pay them on their sketchy website. I called and no one answered as well.
Consumer complaint received 2022-11-22
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. (FL)

I am a natural person, I am a living human being, I have a rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681 and they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX {$850.00} XXXX XXXX XXXX {$850.00}
Consumer complaint received 2016-11-08
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Google Compare Credit Cards Inc. (VA)

On XXXX XXXX, 2016, I received an email from Google that my Wallet account had been suspended and ultimately closed for " suspicious activity ''. I tried on numerous on numerous occassions to find out what activity Google was referring to because I had no used the Wallet accont for a money transfer since XXXX XXXX, 2016. I hit brick wall after brick wall because I was constantly told referred to the Terms of Service which state that Google can close any account at anytime for any reason without notice. I find that to be awfully unfair since I have an Android phone, and I can no longer make any purchases through the Google Play store by billing it to my XXXX XXXX XXXX wireless account. This creates an unnecessary burden on me. It would seem that this violates the FCRA and Title! 2 of the UCC. Communication with the group that makes these decisions is nearly impossible because is only through email. This is hardly satisfying.
Consumer complaint received 2022-11-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (TX)

On XXXX  XX/XX/2022, between the hours XXXX - XXXX my XXXX  located a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX # XXXX ) that was advertising an adoption for a puppy. The cost was {$300.00} each for a puppy that was vaccinated with paperwork. She negotiated the price down to {$100.00}. My wife then used her XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in her phone and sent XXXX {$25.00} in earnest to hold the puppy until we were to meet XXXX at a XXXX XXXX out side of XXXX, XXXX. During such time My XXXX  tried to close the deal over the phone by paying XXXX the XXXX paper transfer fee '' of {$33.00} so that XXXX could release the puppy to my XXXX. My XXXX  tried for 3 hours to send over and over again the {$33.00} without success. She tried sending it in different amounts using PayPal " family and Friends '' and XXXX XXXX along with her XXXX XXXX. The amounts are these : PayPal credit : {$290.00}, XXXX XXXX {$400.00} and XXXX {$170.00}. We have screenshots of all the transactions as they were taking place in real time. This is our evidence. Later once we arrived home, we started to look into XXXX account of XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. All were gone! We then tried to contact my voice using the phone numbers from the cash app accounts. Both had been disconnected. We then tried to email the scammers. The emails went unanswered. It was then, when we read about the Pet/puppy Deposit Scam. We got a rude awakening and a fast education. We tried to resolve the matter with the credit union in which we are both members of and under Mastercards rules were denied chargeback of the amount of {$260.00}. PayPal closed their investigation on account of their being an investigation going at the same time with our XXXX  as did XXXX. We have not heard from XXXX at the time of this writing. SO far, they have taken the {$400.00} out from the account balance owed in lue of their investigation.. It would seem that everyone involve who perpetuated this scam have gone into the wind. We are left with dead ends as far as contacting them and {$960.00} poorer. Please help us with the crediting back of the loss. 

The suspected bad actors in this case are : 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 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Business Corporation (TN)

My mortgage company continues reporting a balance {$10000.00} greater than my loan. This has contributed to me being declined for credit accounts with other merchants. 
This was previously disputed with the credit bureaus and corrected in XX/XX/2020. I've attempted to dispute the error again but the credit bureaus will not reinvestigate since it was disputed and corrected already. 
My current balance upon viewing my mortgage summary from the providers web portal is {$270000.00} In addition to Fair Credit Reporting violation, the mortgage company will not respond to my inquiries in regards to exiting my forbearance plan.
Consumer complaint received 2016-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (CA)

Called at XXXX from a local number, despite the company being headquartered in New York, and left a 3 minute long voicemail, after i had contacted them yesterday to notify that i was in dispute with XXXX XXXX XXXX and XXXX on the collection, and that it was in fact illegal. The company has also consistently called and harassed me.
Consumer complaint received 2019-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I opened checking account as a result of an invite by Wells Fargo bank with {$400.00} bonus code. The requirement to get this bonus is to set up direct deposit monthly and to accumulate {$3000.00} within 150 days.XX/XX/19, I walked into Wells Fargo Bank in XXXX XXXX XXXX, XXXX, CA XXXX and was met by Premier Banker Ms XXXX XXXX. We both had the understanding of the requirement for the {$400.00} bonus. She reminded me to make sure there would be {$3000.00} in my account by direct deposit within 150 days. I assured her that i have set up social security check direct deposit as of XX/XX/2019, I waited 8 months and I still do not see {$400.00} bonus deposited in my account. I talked to same bank manager and he filed complaint for me.
Consumer complaint received 2022-11-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (AZ)

I have sent over a dispute request, explaining that I have no knowledge of the debt. My identity was stolen. I have police reports I dont even live in the state. Also my identity and privacy is not being respected and has been violated. My records have been shared, which is a privacy breach.
Consumer complaint received 2016-04-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: TRANSWORLD SYSTEMS INC (OR)

A wage garnishment was placed on my income last week by NCO Financial, for a debt that, to the best of my knowledge, was satisfied in 2012. NCO placed an AWG on my income for at least 5 years prior to 2012 in the tune of {$4000.00} - {$5000.00} per year. Then sometime in 2012 the garnishments stopped, so the debt was paid. The debt was even removed from my credit reports. Additionally I did not receive the legally required 30 day notice that the XXXX was going to be applied to my paychecks.