davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank NA has a debt listed on my XXXX, XXXX XXXX XXXX XXXX XXXX that was discharged in a XXXX XXXX XXXX on XX/XX/XXXX and they are still reporting me as being late despite the fact that they also did a charge off as well before the XXXXXXXX XXXX XXXX. A company can not do a charge off which means they are taking the item as a loss and then still report me as being late. This company has reported me as being late 30/60/90 days. 

I also received a settlement from Wells Fargo Bank NA last year for accounts that were opened fraudulently in my name this being one of those accounts. This is illegal by all accounts, and I have been disputing this for years. 

The other issue is that this account also needs to be deleted from all 3 of my credit reports because it surpasses the 7-year timeframe as this item has been on my credit reports for 7 years and 2 months.
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (AZ)

They have called me on several occasions, daily, multiple times a day, sometimes up to 5 times. I have told them several times to stop calling my phone, and they just try getting information from me, and won't stop calling. They are calling when I'm at work, or when I'm with my children trying to get things done all the time.
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 — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Account- XXXX XXXX XXXX XXXXXX/XX/2022 $ XXXX Inquiry- XXXXXXXX XXXX XX/XX/2022 inquiry- XXXX XXXX XXXX XX/XX/2022 inquiry- XXXXXXXX XXXX XXXX XXXXXX/XX/2022 account- XXXX XXXX XXXX  account- XXXX XXXX  XX/XX/2022 {$140.00} Account- XXXX XXXX XXXX XX/XX/2022 {$390.00} inquiry- XXXX XXXX XX/XX/2022 The above referenced accounts/inquiries were not authorized by me. Ive contacted companies in regards to the misinformation and given them 30days to comply. The companies who did comply are not list and they have removed any false info from my report.
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. (PA)

Equifax violated my rights. Equifax failed to delete an USDEPT of EDUCation account that is under litigation and reporting erroneously. Payment History says " paid on time OK '' yet status says late 120.

These accounts are under litigation via borrower defense and REPORTING ERRONEOUSLY.
Consumer complaint received 2022-07-02
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: EQUIFAX, INC. (NV)

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. 
The following Accounts : Original Creditor : XXXX Debt Collector : XXXX XXXX XXXX Account # XXXX Amount : {$1600.00}
Consumer complaint received 2022-07-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Hello, I filed a claim for a wire transfer fraud that occurred on my account and it was denied. A phone number that shows Chase banks ' phone number XXXX ( XXXX ) XXXX called me saying my account was being hacked. I felt that it was a scam at first and I decided to hang up ; however, the number kept calling saying it was urgent and they believe someone is hacking my account. I decided to look up the phone number and it was a Chase phone number. I also went into my local Chase branch and asked if this is a Chase number to which the employee told that it was. Once the employee told me at the branch that this is in fact a Chase number I started to proceed with answering questions. The fraudsters already had almost all my information and passwords before I even started. They would then wire my funds in increments saying that they needed to upgrade my security and wire my funds to a separate chase account and wire everything back. The first wire was done on XX/XX/XXXX for {$5400.00} and continued to do XXXX wire transfers that told up to roughly {$52000.00}. They also got into my XXXX  XXXX XXXX accounts and it shows that the recipients were receiving said it was going to XXXX I immediately told both banks. XXXX  XXXX XXXX refunded {$10000.00} which they did XXXX wires from that account. Chase customer service sent me a letter and told me I had to fill out paper regarding the situation and after they needed roughly 45 days to process. After I filled out the paper and waited 45 days I contacted them to twice to find out the update without my funds. Finally they updated me and said they denied me of my claim. I am at lost of words since that is a lot of my savings and I was told by Chase employees that this was in fact them calling me. I do not know what else to do and I am now filing this complaint. Please help!
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (TX)

In accordance with the Fair Credit Reporting Act XXXX  account has violated my rights. 

15 U.S.C. 1681 Section 602 A : States I have a 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 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NY)

Received email from Wells Fargo on XX/XX/2022, regarding an Application for a Wells Fargo Visa Card in my name. I did not submit this credit card application and reported it on XX/XX/2022 to Wells Fargo at the number provided in the email : XXXX. 

The Wells Fargo representative asked me for my SSN and DOB in order to look up my application and mark it as fraudulent. I did provide that information and they stated Wells Fargo would follow up with me directly for additional fraud reporting. I received a Declaration of Fraud in the mail from Wells Fargo to complete by XX/XX/2022. The Declaration also asks for my SSN and I am uncomfortable proceeding further at this time.
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (SD)

XX/XX/22 To whom it may concern : I would like someone to know how I was taken advantage of today and seek reimbursement for money taken unknowingly to a theft. 

I received a fraudulent warning email from XXXX saying XXXX XXXX had spent {$470.00} from my account. I responded to the email on the same day it was sent ( XX/XX/22 ) to reassure the company that I had not made any purchases. 

I was given a report # XXXX and told that they would reimburse this money and help me to prevent any future cyber attacks. I believed them and proceeded to allow them to use " XXXX '' app to walk me through the addition of virus identification. They said I had XXXX XXXX XXXX, and XXXX virus. I was glad to have someone help me rid of this on my phone. The representative then added new apps and set up accounts including : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These were to prevent further online hacking. 

I became suspicious after my bank simultaneously called and the representative told me to ignore them. Once I disconnected with the XXXX representative, they continued to call back some times texting but the numbers always said " XXXX XXXX. '' My credit union was immediately informed, but they said since I " allowed '' them on my phone, that I was responsible for the theft ( {$500.00} XXXX  cash, and {$120.00} XXXX ) that I immediately know of. Unfortunately, they had " XXXX '' spyware and saw my driver 's license information while setting up " XXXX ''. I can lock my account, but only a photo id ( stolen ) is needed to reopen it. 

Phone numbers used to call me included : XXXX XXXX XXXX XXXX separate e-mails say : XXXX XXXX, I am calling from XXXX support. Please call me back at XXXX XXXX XXXX Police were notified on XX/XX/22 at XXXXXXXX XXXX  and said the money was probably already in a different country and not much they could do but I could file a report if I wanted to. However ; contacting the bank and companies for accounts set up was my best bet. 

Thank you for your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (MT)

PAYPAL, THE THING IS I VE BEEN TRYING TO GET OUT OF THERE XXXX SOMEHOW ONE MINUTES IT WAS LOOKING GOOD EVERY THING GOOD ALL THAT THEN IT CRASHES, EVERYTHING JUST STOPPED NO CALLS NO ANSWERS, SO I XXXX CALL THEM I WAS POLITE AND SO WAS SHE, ACTUALLY THE LADY GAVE ME HOPE I, SO THAT WAS A WEEK A GO, XXXX LONGER, SO I DID WHAT SHETOLD ME TO DO, ANY INFO THEY WANT THEY CAN HAVE, XXXX DOWNLOADED 100 % EVERYTHING DURING MY CAMPAINS I HAD A LOT OF VEIWERS XXXX MORE SOMETIMES, CHANNEL WAS DOING GOOD, ITS STILL DOING GOOD BUT MY TIME I PUT ON IS LESS BECAUSE I HAVE XXXX DOLLARS SOMEWHERE AND EITHER I DONT NO SOME XXXX KNOWS I DO APRECIATE YOUR HELP ON THIS BECAUSE ITS A PUZZLE IAM IN I JUST WANTED TO GET PAID YOU KNOW NEXT THING XXXX HAVE ME IN A WORKSHOP LOOKING FOR A VARIANT XXXX XXXX BACKS ME UP 100 % JUST I HAVE NOTHING AGAINST THEM, FROM WHAT I HEARD PAYPAL WAS A GOOD PLACE TO GET YOUR MONEY TRANSFERED, SO IAM STILL LOST FOR WORDS I CAN SEE THE LETTER IS GETTING LONG, HOPEFULLY THIS WILL GET SOMETHING GOING THANKS BYE
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 — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I noticed on my XXXX report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. Unauthorized inquiries listed below... 

XXXX XXXX XXXX XX/XX/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
Consumer complaint received 2022-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

This is the 3rd time we've had to deal with this same issue, they keep selling this debt claim to other collection agencies. THIS IS NOT OUR DEBT. We've had 2 claims already filed showing this is not our debt. Every 6 to 8 months it appears they try another collection agency. I've attached our last complaint, in which that collection and the prior agency agreed it was not our debt. 

This new collection agency - Enhanced Recovery # XXXX. The number they left is XXXX. XXXX it is an XXXX collection. We had XXXX & XXXX years ago and they even show we had a credit when we left their service. 

Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (AZ)

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, Account # XXXX, has violated my rights. 
XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX 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 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 2022-07-29
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. (NY)

Please be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite XXXX previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2002 Balance : {$4000.00} and XXXX XXXX XXXX Date XXXX Balance : {$0.00}.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MA)

I wrote a check to my lawn services company and the check was fraudulently cashed ( per my lawn service provider ). I'm now trying to get the money from my bank for the check ( my bank is Chase bank ), and they have reported that they are trying to get the money from XXXX XXXX XXXX  ( where the fraudulently cashed check was cashed ). I have been waiting more than 90 days, and was originally told that I would have a response within 90 days from Chase bank. Now chase bank is telling me that they will not know about reimbursement until XXXX XXXX XXXX  responds to them, but that there is no guarantee for when I will be reimbursed. I know that I'm legally owed the money back from XXXX XXXX XXXX, but it's unclear to me how I can legally hold them to this and have my money returned.
Consumer complaint received 2022-12-02
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX, and hoping that these accounts will be corrected. 

XXXXDEPT OF ED XXXX Balance : {$2400.00} XXXX/DEPT OF ED XXXX Balance : {$4000.00} XXXX/DEPT OF ED XXXX Balance : {$9000.00}
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. (GA)

I am a victim of identity theft. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and Dept of ED have fraudulent accounts on my credit profile that need to be removed immediately.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (MD)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX ADDRESSES : XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX EMPLOYERS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX COLLECTIONS : 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 EQUIFAX EMPLOYER XXXX XXXX XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (AZ)

On XX/XX/2022 I had a conference call with my Mortgage XXXX XXXX XXXX and my Current Mortgage Processor Loancare LLC. 

During the call, XXXX from XXXX  requested the complete Paperwork regarding my Mortgage Forbearance and the Deferrals for the Forbearance. We requested the COMPLETE paperwork including any extensions and ALL Deferral paperwork and the Loancare employee promised to deliver the paperwork by email within 2 days. 

This is a very time sensitive manner and XXXX has STILL not received the requested paperwork. 
This failure to provide the requested paperwork in the promised time can have severe negative financial consequences for me and cost me thousands of dollars. 
We need these documents immediately, please email them asap to the email address we provided. XXXX. 
Refusal to do so will result in further legal steps taken by me immediately and without further notice. 
I expect the paperwork by no later than XX/XX/2022.
Consumer complaint received 2022-07-01
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: EQUIFAX, INC. (AZ)

In accordance with the Fair Credit Reporting act XXXX 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 2022-09-22
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. (TX)

On XX/XX/XXXX i sent off an investigation to the credit bureaus to check every piece of information on my account. I told them to investigate everything on my credit report & make sure everything was 100 % accurate, however they didn't do an improper investigation according to 15 USC 1681 603 ( 3 ) ( E ) On XX/XX/XXXX I also told them how did you investigate if everything wasn't 100 % accurate, its still not 100 % accurate this is still incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX I sent off certified letter with a final request that they remove these accounts because they still aren't correct. They have violated many of my rights according to the law. THIS is my tracking # XXXX Tracking # XXXX Tracking # XXXX 15 USC 1681 603 ( 3 ) ( E ) states The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times The credit bureaus violated my given rights under 15 USC 1681 According to 15 U.S.C. 1681 section 602 A. states I have the right to privacy According to 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 According to : 15 U.S.C. 1681 s-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.