davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

I filed a complaint through Wells Fargo Claims Assistance Center for unauthorized transactions in my checking account amounting to approximately {$390.00} from XXXX between XXXX and XX/XX/2022. I never used this account for XXXX shopping and I realized that there have been charges without my knowledge. 

I received communication from Wells Fargo including email and physical letter stating that they conducted investigations and they confirmed unauthorized use of my account and refunded {$220.00}. The letter indicated that transactions that occurred more than 60 days after the activity appeared in the bank statements are beyond Well Fargo 's liability and so they are not refunding such amount. 

I called the Claims Assistance Center to make an appeal on their decision. I explained that this case should not be covered under such 60-day policy because it is not my fault that their system is not able to protect customer 's bank accounts. I'm losing more than {$160.00} because Wells Fargo is not able to protect my funds and they don't want any liability for the reason that I did not report it within 60 days. 

The first agent that I spoke to on XXXX XXXX refused to take any action and did not entertain my appeal and instead, transferred me to another department, but eventually hung up on me. I called again and the second agent said the same thing and I insisted that I be given the chance to appeal whether they provide a person or email to write to or through any leadership in Wells Fargo. I indicated to them that if they refuse to take my appeal, I will file a complaint in CFPB. 

How can people trust these banks if there are policies that are unfavorable to consumers? {$160.00} is not a lot of money but for a single parent like me who work 2-3 jobs to feed my family, every dollar counts and these bank policies do not help in any way.
Consumer complaint received 2022-08-22
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc. (VA)

i noticed a alleged debt of XXXX from Receivables management services that i dont owe, i sent multiple dispute letters asking for the validity of the alleged debt but never gotten the document requested nor a deletion from my credit report.my first letter was on XXXX, XXXX, and XXXX was also sent to the CRAs as well, i am requesting deletion of this inaccurate and incomplete item from my credit report within 14 days or i will turn this matter over to my attorney to sue for damages.
Consumer complaint received 2022-12-01
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: BARCLAYS BANK DELAWARE (NY)

Barclays, I did not request a dispute with you through XXXX. XXXX fraudulently requested on my behalf without my permission and I am planning to pursue legal action. Please provide in writing who requested this dispute. My statement balance is {$0.00}. Why are you randomly updating my consumer report? You have no permissible purpose to report or share in the first place. Consumer reporting is voluntary and you do not have my permission pursuant to the FCRA.
Consumer complaint received 2022-07-28
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: EQUIFAX, INC. (TX)

There are inquiries on my credit report that I did NOT benefit from and that I did NOT authorize, they must be deleted. This constitutes as fraudulent activity due to the unauthorized use of my credit card ( social security number ). I have reached out numerous occasions this year alone ( XX/XX/2022, XX/XX/2022, XX/XX/2022 ) about such issue and this will be the last time before seeking legal action. As I told You ( " EQUIFAX '' ) before, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( " EQUIFAX '' ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I have demanded you ( " EQUIFAX '' ) validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature you have not and seems as if you can not. I've demanded you ( " EQUIFAX '' ) to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. You have not and seems as if again can not. In absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. If my demands are not met then legal action will be taking for damages due to lack of compliance. If you ( " EQUIFAX '' ) will not abide by the laws that govern you I definitely don't want to do business with such company and will request my information be removed from your records. 

THIS IS MY LAST TIME REACHING OUT AND INFORMING YOUR COMPANY OF SUCH ACTIVITY. 

REMOVE SUCH INFORMATION FROM MY CREDIT FILE, IF NOT, THAN DELETE MY CREDIT FILE IN WHOLE.
Consumer complaint received 2022-06-30
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: WELLS FARGO & COMPANY (FL)

My XXXX Credit report contains an unauthorized inquiry from Wells Fargo Card Services on XX/XX/2021. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.
Consumer complaint received 2022-09-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Hello Digit, LLC (NY)

On XX/XX/2022, I supposed to receive 7checks from a saving app called Digit that I've been saving money to. I only received 4 checks, never got other 3. I emailed Digit about the checks, they said those 2 checks are already been cashed to my account. They are able to cancel 1 check from the lost 3 checks. I asked them I never received the two checks, it's not possible they are deposited to my account. The next day they changed one agent to contact with me, she said my checks are cashed at XXXX. I have to contact with XXXX. Then I called XXXX, XXXX knows nothing about this and asked me to contact with the sender. I contact with Digit again, they ask me to get an affidavit of check fraud form from XXXX and notarize it, I went to chase get the form and notarized it and sent back to Digit. Digit told me they send the form to XXXX, now I have to follow up with XXXX not them anymore. After that, no matter what question I ask them, the agent ask me to contact with XXXX. I went to police station wanted to file a report, but the police said I have to have some sort of paper work to proof my check been cashed. I asked Digit the proof of the checks been cashed before, they never gave me any. I went to XXXX again and an agent there told me there's nothing I can do, the sender has to file the claim. I told her they wouldn't do anything for me, she said it's your money, they have to give them back to you. And she told me this website and I can report them here. I can give the email content with Digit as proof if it's necessary. The one check is XXXX XXXX the other one is XXXX.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NJ)

Hello, I signed up for Self in XXXX  and cancelled im XX/XX/2021 payments were always on time never past due and I close my account per my request and got a refund and on my credit report it shows derogatory and I never missed a payment and was never late. This is false credit reporting. If this isnt fixed I will sue!!
Consumer complaint received 2022-06-30
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: JPMORGAN CHASE & CO. (FL)

My XXXX Credit report contains an unauthorized inquiry from JPMCB CARD SERVICES DATED XX/XX/2022. I have been a victim of Identity theft, this has been reported to XXXX and this needs to be taken off my credit report. I have called XXXX to dispute this and i am also reaching out to the consumer financial bureau.
Consumer complaint received 2022-06-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

This complaint is in reference to case # XXXX and # XXXX which have been closed due to resolution. This case is not closed due to the fact that they stated that the reason the PMI on my loan should not be taken off is because this is a second home. When we purchased the home XXXX years ago it was, but we live in the home 100 % now. This is our primary home which meets the requirements of 80 % balance of the original value of the original sale price. The company has been coming up with reasons to not take off the PMI and coming up with bogus numbers to not take off the PMI. Why doesn't someone reach out to me before they send a " supposed resolution '' to CFPB? We still fall under the Federal Homeowners Protection Act and I will follow this complaint with the company until I get my just due. I want the PMI taken off of our loan due to the fact that we meet " ALL '' the qualifications to remove the PMI.
Consumer complaint received 2022-06-06
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: FC HoldCo LLC (TX)

I did not give these companies written permission to look at my credit report! 

I do not recognize any of these companies, or why they are even on my report. 

I would like them removed due to improper use.
Consumer complaint received 2022-12-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paypal Holdings, Inc (IA)

I didnt know where else to put this up, but this is for a PayPal pay in four application in the past, Ive used PayPal pay in four and never had a problem. I always paid it now when I apply it says I am declined due to previous pay in four applications that were not paid!! it was on auto pay, so how did I not pay for it? Ive asked several times with no response.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (PA)

I recently opened an account with M & T bank in hopes of switching over and finding a new bank to keep my savings with less fees involved. I made a deposit into my account and They held my check for 7 days which is completely normal. I had no worries since it was a cashiers check that I requested from my previous bank. Of course on the first of the month when my bills are due they block my debit card and my account. I have no access to my online account. I called customer service and the fraud department only to be transferred around numerous times over and over. They advised me to step into a branch & when I got to the branch drive thru and requested to close my account the teller was rude and giving me a hard time. I do not care about any fees because my account is under 6 months old please just close this account and return my funds and I will find a new bank to build a relationship with. M & T and their business practices are ridiculous
Consumer complaint received 2022-06-30
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)

I sent a letter on XX/XX/XXXX to remove this fraudulent accounts : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MA)

I had some work done in my backyard during the month of XXXX. On XX/XX/XXXX, I was sent a bill from XXXX XXXX XXXX for the balance of my bill {$8300.00} requesting I send it via electronic transfer from my XXXX XXXX  XXXX saving account to an account at Chase bank. Here 's the information I received : XXXX XXXX XXXX XXXX XXXX XXXX CHASE Bank Address : XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX sent the money to Chase as XXXX. XXXX XXXX XXXX  informed me on XX/XX/XXXX that their email address was hacked and it was not XXXX XXXX XXXX  I sent the money to. I also learned that the name on the account at XXXX was not XXXXXXXX XXXX XXXX ( I don't know what the name on the account was as XXXX said that privacy laws forbade it ) and that XXXX XXXX XXXX doesn't have an account at Chase. Chase should have flagged the mismatch of names- the name to which I transferred money to XXXX XXXXXXXX XXXX XXXX XXXX and the actual name on the account which was NOT XXXX XXXX XXXX. 

I went through my bank, XXXX XXXX XXXXXXXX to get my money back from Chase. I filed the claim on XX/XX/XXXX. It wasn't until XX/XX/XXXX that XXXX informed me that Chase denied the claim as the account was empty ; not a surprise. 

I also filed a police report, made a claim through my home owners ( no success ), and filed a claim with the FTC
Consumer complaint received 2022-06-30
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. (GA)

XXXX XXXX  XXXX  Lied and is Retaliating against me as a XXXX XXXXXXXX XXXX XXXX  and did not update my Equifax Credit Report " Payment Status '' ... The Balance only showed XXXX because you Sold it to be collected on. My Credit Reports are not showing that the Account was Paid based on the documentation provided to XXXX XXXX and Equifax. XXXX XXXX knows that the Algorithm is located in the " Payment Status '' not the Balance being XXXX only ... My XXXX Report showed a XXXX Balance last month but XXXX XXXX still did not update the " PAYMENT STATUS '' Section which is Reflected on My XXXX Report. They are still Retaliating and Discriminating and Undermining my Intelligence as a XXXX XXXX XXXX and U.S. Veteran. My Scores are still being Negatively impacted by XXXX XXXX based on how they are reporting to the Equifax Credit Bureaus ... They need to update all Credit Reports to show that the Payment Status as " Settled and Paid in Full '' I paid # XXXX on an account which as only {$2000.00} owed. but when they turned it over to XXXX XXXX XXXX, after XXXX XXXX in Bankruptcy, they still attempted to collect through XXXX & XXXX! I paid the Account, and my Credit Reports need to be updated in the " PAYMENT STATUS '' Section and NOT Only in the Balance section of the Credit Reports.
Consumer complaint received 2022-06-30
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 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 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 has all violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1692C States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-06-30
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. (VA)

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX 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 can not furnish a account with out my written instructions
Consumer complaint received 2022-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Social Finance, Inc. (TX)

I have Sofi Checking account. When I am doing any ACH in transactions- it's taking ridiculously long for that transaction to happen. Why it is taking long for funds to be available? Why there are holds in this account? Don't this bank trust me?

In every transaction I am talking - both are my accounts in different bank.

I deposited a check from Sofi to XXXX XXXX business account for XXXX but it's been returned with insufficient balance due to holds on this account by Sofi. 
Now XXXX XXXX will charge me {$12.00} return fees. 

Secondly why there is no way I can schedule a transfer for a later date? Sofi should not get the product out to the real world if Sofi is not ready? these are basics and customers in 2022 can not live without this kind of feature. As of this point, customer can only do immediate ACH transaction not after 1 day or next 30-60-90 days.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (IL)

On my credit report these is an account with the United States Department of Education with a balance of {$1.00}, XXXX. This account is attached to the XXXX  XXXX XXXX in which they agreed to remove from my credit file as they as under investigation for multiple things. Also, it is reporting as delinquent and the DOE said they only reported this account twice
Consumer complaint received 2022-12-01
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. (IL)

I have contacted the three credit bureaus several times about them incorrectly reporting my student loans as in repayment. I do not owe on my student loans as of yet so it should not be showing balances like they are up for payment which is lowering my credit score. Additionally my 5 charged off collection accounts are showing as open with a balance because I DISPUTED them and now they are showing with current balances as of XX/XX/2022 when these accounts are 4 years old.
Consumer complaint received 2022-06-30
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: Grain Technology, Inc. (NC)

Hello, I have on my credit report to the company Grain Tech Support for them to correct the payment history on my credit card account i hold with them. they have failed to do so i have called several times and emailed in which i have attached all email correspondence, they responded with an automated generated message and still failed to correct the issue for example. i emailed them XX/XX/XXXX @ XXXX in reference to there inaccurate payment history reporting and they failed to respond the following errors go back to XXXX this is effecting my credit score drastically. here is list of the following errors with the factual proof of my most recent credit report. 
XXXX of XXXX- XXXX reported me 30 days late but XXXX XXXX XXXX reported me paying ON TIME. 
XXXX of XXXX XXXX reported me ON TIME FOR PAYMENT, but XXXX XXXX XXXX Reported me 30 days late. how can i be ontime with one credit agency and late with the other 2 in the same month. this is a violation and inaccurate data reporting. XXXX of XXXX XXXX reported me 30 days late but XXXX XXXX XXXX reported me on time. this is an ongoing problem for over a year now. 
XXXX of XXXX XXXX reported me on time. XXXX Reported 30 days late, XXXX Reported nothing at all that month how is that accurate. XXXX of XXXX XXXX reported me 90 days late, XXXX reported me paying on time, and XXXX Reported me paying on time as well. something has to be done about all these errors they need to be proven, deleted or updated.
Consumer complaint received 2022-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (CA)

I have received a charge on my credit report that I owe {$5700.00} for rent for the year of XXXX to XXXX XXXX that was transferred to XXXX XXXXXXXX. 
This amount is placed for collections without my consent. 
I did not live nor rented any apartment during that year as I lived in California since XXXX of XXXX. 

Please review this charge and investigate this mistake. 

I am attaching a letter from my landlord in California.