davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (AL)

I have been emailing for months after being locked out of my account and unable to make payments AGAIN. It happened last year also and took me emailing three times to get a response which took about a month to receive. 

Email dates for this round have been : XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 It seems insane to have something on my credit that I have no access to and am unable to pay on my balance.
Consumer complaint received 2022-02-16
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXXXXXX XXXX XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX XXXXXXXX XXXX XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.
Consumer complaint received 2022-02-16
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: WELLS FARGO & COMPANY (CA)

Hi, I had a problem with a XXXX manufacturer, they did my product wrong and they just sent it to me like they did it, which it was metal earrings but they were damaged in the process of making them, some of them are missing metal, some of them are bent completely and most of them which are 200 earrings the metal is raised so i cant sell them like that or its going to cut people. All of 200 earrings are damaged, there is not one that is not damaged. 
I worked with other XXXX manufacturers and i know their policies, when you get a damaged product they are supposed to either re make it or refund you your money back, that didn't happened. 
I begged the person i was working with and she will ghost me and refuse to re do the product again, also refuse re funding me my money back. I initially paid the product up front with paypal on XX/XX/XXXX last year. I paid {$410.00} with paypal. 
I received the product late XXXX which it was supposed to be done on XXXX and after I received it I sent pictures of the damaged product to the manufacturer, spend several months trying to get my money back and trying to work with them to re do my earrings if they were not going to refund my money, but it was a waste of time because they didn't respond to my messages and emails. So I called wells fargo to open a dispute and I talked to the representative and she took notes, I told her i have evidence and pictures of the damage product. She told me they are going to resolve the issue and get my money back and they sent the report to the fraud department. They didn't contacted me back on the phone, they just sent me a letter saying that they cant do anything about it because the charge was through pay pal, and that's it. My bank wells fargo didn't help me at all. 
Please help me I know {$410.00} is not a lot of money to some people but it is to me. 
Thank you
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc. (MI)

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 for account COLONY/GINNYS Account # XXXX. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. 
Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.

If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-05-29
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. (TX)

In accordance with the Fair Credit Reporting act XXXX Account # 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 has reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-29
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. (TX)

In accordance with the Fair Credit Reporting Act, 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 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF THE WEST (WA)

I asked to close my checking account from bank of the west through secure message on XX/XX/XXXX XXXX PM, and received their response on XX/XX/XXXX XXXX AM. 

However, now on XX/XX/XXXX, there are two charges on my account, and account not closed XX/XX/XXXX FEE {$30.00} - {XXXX  XX/XX/XXXX DEBIT PREVIOUS PERIOD ACTIVITY RESULTED IN MONTHLY SERVICE CHARGE {XXXX XXXX XXXX
Consumer complaint received 2022-05-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OH)

I just found out yesterday XXXX I can not finance my home at the rate of 2.5 % do to the fact that rates went up to 5 and 6 % I have been try ing to my house refinanced since XXXX ofXX/XX/XXXX but due to your mistake of recording two partial claims I Could not get this through till one of the partial claims you recorded by accident was removed I have contacted you weekly on getting this removed so I could get this done but you guys kept put me off waiting on the phone for hours paid for an appraisal that now I cant do so due to all the pain and suffering that you have put me through what are you gon na do about it
Consumer complaint received 2022-02-15
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: JPMORGAN CHASE & CO. (MA)

An authorized third party did purchase on XXXX on XXXX. XXXX where initial transaction in the amount of {$700.00} by her credit card # XXXX was cancelled and immediately charged again on XXXX to my Credit Card # XXXX on file with XXXX. I complained to XXXX about the charge, then it was cancelled again and XXXX immediately refunded my credit card company on XXXX. 
Using my XXXX account, the initial purchase above ended up being charged to the authorized user credit card # XXXX on XXXX whose person received the merchandise. 
Last time XXXX refunded my credit card company was on XXXX and my credit card company insists that there is nothing wrong and refuses to refund me for the charge that XXXX has already refunded them.
Consumer complaint received 2021-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have 2 disputes entered XX/XX/2021 and as of XX/XX/2021 they are still under investigation. And no one has contacted me to tell me why.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

On XX/XX/2022 Wells Fargo authorized an illegal ATM withdrawal of {$700.00} from my bank account at XXXX XXXX XXXX XXXX MD XXXX, rendering my account balance at {$1700.00}. I didn't leave out my home on XX/XX/2022 to make the transaction. I also don't have an active on-line banking service. It wasn't until I visited the XXXX ATM branch on XX/XX/2022 that I discovered the illegal withdrawal from my account. I visited the on-site banker staff person to report my complaint. The female banker did contact the Wells Fargo customer services department to report and initiate the complaint. The female banker, who was very shallow in her dialogue, exchanged agent query with me, while confirming the withdrawal was transacted at the ATM closest to the front door. The female banker confirmed the claim processed as requested. The claim # is XXXX. My ATM card was closed out and a new ATM card was requested. I did receive the new ATM card via USPS. I later received a response from the Claims Assistance Center ATM/Debit Card Claims XXXX XXXX XXXX XXXX, NC XXXX XXXX the form of a letter, dated XX/XX/2022. The letter stated : We have completed our research of your inquiry about charges of {$700.00} on your account above. Based on the information available to us, and because the transactions were made using your card and Personal Identification Number ( PIN ), we found it was made by you or someone who had your permission. Please consider your claim closed. If you have questions, or would like to take advantage of your right to request copies of available documents we relied upon in making decision, please call us at XXXX. I contacted the claims center on XX/XX/2022 for clarification and advice, but unfortunately the agent just parroted the response letter 's content. I called back a second time on XX/XX/2022 to request the documents used to make their decision to be sent to my home address for future references and proceedings. Nobody 's money is safe, if the bank can just say, " Oh you did it, because someone used your card and PIN ''. I felt vilified for being an apparent identity theft victim. The dispute process was very generic and non-invasive. " I'm the victim of a bank robbery, by a bank ''.
Consumer complaint received 2022-09-30
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. (NY)

I wrote to the credit bureaus on XX/XX/22 and XX/XX/22 asking them for proof of these collection accounts. I request an original document bearing my signature and well as proof they had permission to purchase these accounts. No verifying documents have been provided for the attached accounts.
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (PA)

I checked my credit report to see a loan in collections from " XXXX XXXX XXXX' ( which is a scam, and not my debt. ) I disputed the debt multiple times. I am now AGAIN receiving a bill from the debt collectors for {$1700.00}
Consumer complaint received 2022-05-28
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)

In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX  Account number XXXX
Consumer complaint received 2022-02-15
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. (NJ)

These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

on XX/XX/2021 car was criminally damaged, a unknown person or individual intentionally caused damage to my vehicle. damage outside and inside the vehicle, white unknown substance was poured in the engine, radiator and gas tank, which caused damage to the engine, engine, is fully blown, I requested XXXX XXXX XXXX XXXX to come and pick up the vehicle, vehicle is still sitting. and incorrect information is reporting incorrectly on my credit report, i have full coverage with XXXX and XXXX refuses to pay, so I had no choice but to request vehicle be picked up... .we have made many calls to impound and nothing is being done at all, they should be putting a hold on this issue until we get this all squared away...
Consumer complaint received 2022-05-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with cash advance — 
Company: Paypal Holdings, Inc (AZ)

HIGH IN 2018 I SIGNED UPED AND UPTAINED A PAYPAL CREDIT CARD I THEN LINKED MY CREDIT CARD TO MY BANK AND XXXX AND OTHER SITES TO RECIRVE ALL MY MONEY THAT WAS COMING IN TO MY ACCOUNT SO MY JOBS WERE SENDING PAYMENTS FOR ME, I HAVE BEEN GOING THRU IDENITY THIEF SINCE XXXX OF XXXX I THEN UPGRADED MY ACCOUNT TO A PAYPAL CASH MONEY PASS ACCONT, RECIEVED MY CREDIT CARDS, WHEN I REACHED OUT TO THEM ABOUT TGE PROBLEM I WAS HAVING WITH MY ACCOUNTS BEING HACKED, THEY FAILED TO FIX THE PROBLEM. OVER THEY ALSO DID NOT PUT MY MONEY INTO MY PAYPAL ACCOUNT, R ON MY CREDIT CARDS, I JAVE TAKEN ZHE PROPER STEPS AND REPORTED THIS TO THE HIGHER AUTHORIES, ALSO THE GOVERNOR, I AM CLAIMING MY FRAUD INSURANCE AND MY LOST WALLET PREVENTION CLAIMS, THANK YOU HAVE A BLESSED DAY XXXX XXXX XXXX XXXX I WOULD LIKE TO RECIEVE COMPENSATION AND ALL MY MONEY RETURNED TO ME AND THE PEOPLE WHO ARE DOING THE IDENITY THIEF ARRESSTED CAUSE SOMEBODY IN THIS DEPARTMENT IS COMMITING FRAUD AND IDENITY THIEF, FOR I HAVE NOT AUTHORIZED NOBODY TO SEND R RECIEVE ANY OF MY MONEY NEVER ..., I HAVE EVIDENCE ITS MY ACCOUNT...
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 2. Identity Theft XXXX 'S Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 4. FDCPA section 807 Violation Misleading False Reporting XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 5. 15 U.S Code 1666 ( b ) XXXX XXXX Account Number : XXXX invalid late payments - Payments were submitted on time from my account, XXXX of not pulled in time but was paid on time 6. 15 U.S. Code 1692g - Validation of debt XXXX XXXX Account Number : XXXX This account is inaccurate and i'm seeking litigation Please delete at once 7. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report 11. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Wisconsin XXXX Thank You Sincerely yours, XXXX XXXX
Consumer complaint received 2022-05-28
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: Grain Technology, Inc. (DC)

In accordance with the fair credit report act XXXX  account # has violated violated my rights 15. U.s.c 1681 section 602A States I have the right to privacy 15. U.s.c 1681 section 602A also states a consumer reporting agency cannt furnish a account without written instructions 15u.s.c1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes
Consumer complaint received 2022-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Control, LLC (FL)

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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-29
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. (PA)

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, # XXXXXXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX, # 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
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

I opened an account with TD bank and never received the debit card in the mail... Having waited 6-8 weeks with XXXX  once recovering I called them to ask them to resend the debit card so I could access the {$10000.00} that was direct deposited into that account over the 6-8 weeks.

They couldn't generate any authentication questions to verify me, and then refused to find a resolution that didn't require me to drive an hour to a branch to rectify the issue in person.

I opened the account online, but now can no longer access any money or support for that account unless I go to a branch, which are not local. 

They refused to offer other solutions or remediate the problem, refused to generate verification questions. 

I opened the account with a promo bonus and they haven't verified that the bonus is active either. 

Very poor customer service, no ability to access my account, no trackability of my bonus.