davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-22
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)

N accordance with the fair credit act XXXXt account # XXXX, and 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 without instrcutions 15 U.S.C 1681C. ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of conviction 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 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

so for some backstory, I am a XXXX-year-old man that doesn't know how to access my bank account without one of my kids or grandkids helping me. I am on disability and XXXX and spend most of my time with my wife of over 35 years and son who is helping me write this. 

Details : I recently noticed a {$120.00} charge on my account and later showed it to my son, who said it was unusual ; initially, I thought it was a XXXX charge ; I contacted Wells Fargo earlier on XX/XX/XXXX and they refunded the charge on XX/XX/XXXX ; my son and I dug deeper in my account and discovered a charge of XXXX dating back to XX/XX/XXXX and almost every month until my complaint ; We discovered that the organization went by the aliases ( XXXX  ) and ( XXXX XXXX ) and that it is not even located in the same state as me. This organization has stolen over {$2200.00} from my account in total. This is why I am requesting your assistance, as I have submitted a claim to Wells Fargo and they refused and closed my claim on XX/XX/XXXX. 

thank you for listening to me and thank you.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation (TX)

For the last few months Albert bank has been charging me a {$9.00} fee and because my info didn't match with how the so called account was opened I am guessing because they stopped responding, they have not closed it. Apparently this is an ongoing thing because they charged me again a few days ago.
Consumer complaint received 2022-08-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (MD)

There is a privity of contract going on with XXXX for an auto loan I originally had with XXXX who assigned it to WELLS FARGO. I never had an original contract with WELLS FARGO and as the consumer in this unilateral contract, I'm not benefiting. Where are my payments going? WELLS FARGO used my credit card-15 U.S. Code 1602 - Definitions and rules of construction- ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Who is XXXX XXXX?
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JMS Associates, Inc. (TX)

XXXX XXXX at XXXX XXXX XXXX XXXX has been calling our store calling our employees derogatory names, and subjecting them to other means of verbal harassment. As recently as today, XXXX XXXX has called family members of the owner of the store, most notably the XXXX mother of the store owner who is in frail health. 

XXXX XXXX has called the family members of the store owner on their personal cell phones subjecting them to verbal assaults.
Consumer complaint received 2022-08-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC (MN)

On XX/XX/2022, I accepted a settlement in the amount of {$3000.00} as full and final settlement of my account, and I opted to make your payments by debit card ; however, this is still extremely difficult for me to pay in spite of my best efforts. The Big Picture Loans representative informed me that if I were to not make these payments on time the settlement would be null. I don't feel this company is fair or cooperative enough given how extremely high the interest charges and installment payments are. I need help please. Thank you.
Consumer complaint received 2022-06-22
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. (TX)

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them accounts. XX/XX/2022, 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 consumer 's 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 consumer or from the consumer.

They also violated my rights numerous times. The credit hurosue vinlated my nivenrin Nor 15 1100 1601 identify you and your account. Consumer reporting agency when such information was obtained directly from a creditor of the consumer or 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. 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 2022-06-06
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. (DE)

These accounts listed are Fraud! I am a victim of identity theft and did not make these charges whatsoever! I've included the FTC Affidavit. Please remove these alleged accounts as they are causing me harm & inconvenience as a consumer. I have not opened anything in the last few years. I placed a security freeze prior which didn't seem to help seeing as there was a XXXX XXXX opened in my name recently this year. Please remove these fraudulent accounts. I XXXX XXXX am making this complaint!
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC. (TX)

Unauthorized charges on my debit card, but was never notified by fraud protection department - nobody reached out to me in any way. I had to read about it from others online. It has been impossible to get through to anyone in customer service, sometimes there has been a 2+ hour wait! Ally bank has not been forthcoming about what is going on, no communication/statements whatsoever. I shouldnt have to hear through the grapevine that my card has been compromised!
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (VA)

My complain is against Wells Fargo Bank Wire Transfer Department. 
I made an overseas wire transfer using online services on XX/XX/2022 with expected delivery date of XX/XX/2022. Following the online wire transfer, I called Wells Fargo Banker to verify whether additional information is needed and was told no additional information was necessary. After several phone calls to inquire why the transferred amount of {$7000.00} was not delivered to the recipient, I received an email on XX/XX/XXXX requesting additional information on a note I included in a comment section of the wire transfer form. I was told the request came from the compliance department. Following my response, there was another request for additional information which I responded. The third request for information countered my previous response in which I was asked to provide an official justification for my response which I sent on XXXX XXXX. Since my last communication, I have not received my money. Considering the delay in the delivery of funds to the recipient, I requested for a cancellation of the wire transfer on XX/XX/XXXX but the money has not been returned to my account. 

As a retired veteran in need of school supplies and lodging for their college, I need this the money returned to my checking account for their expense. My wife and I are experiencing financial hardship caused by the delay in getting back our {$7000.00}. 
Thank you in advance for the assistance. 

Wells Fargo Case number : XXXX
Consumer complaint received 2022-04-23
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. (WI)

In accordance with the Fair Credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: INDEPENDENT BANK CORP. (MA)

A scammer got my social security number and my debit card number from my bank account and took XXXX dollars out of my checking. Plus saw my social security number on my online banking account. I called the 3 credit bureaus and put security freeze on each of them. Also went to police department and filed a identity theft because the scammer has my social security number. Also went to my bank and they closed my checking account and took my debit card and I have no longer a checking account with no debit card. Im calling sea because I get SSDI and SSI which is directly deposited on the 1st of each month and the 3rd of each month.
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (NV)

There XXXX banks that I have savings, investment CD for many years, however, the banks let someone withdrew my money and closed it with out my knowing or permission. Moreover, how is other person able to joined my bank account without me being there? 
All of these bank, did the same thing to me. Right i call in and ask for my account, they will replied that my account have different information in my file. I also tried to asked for information and so that they can send me the information from my file, however, what i have giving some replied back as your account is closed and you need a lawyer because, now it's your personal problem. other replied, sorry your account is closed, we can't help you. What am I supposed to do if I can't get information off my my bank file? I did not closed it, it's stolen and closed it from fraud. I need help getting my information so that I can get my Identity Theft Victim complete please. 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-20
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. (NC)

I am a natural person, knowing my full rights. Equifax has supplied the following inquiries on my credit file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The stated inquiries are in violation of my rights under 15 USC 1681 and I DID NOT at any point give permission to perform these inquiries and I did not perform these inquiries at any point.
Consumer complaint received 2022-08-20
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. (NY)

The following inquiries were not authorized by me. Have no knowledge of them. XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-08-20
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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. I am extremely upset with Florida XXXX XXXX XXXX unfair practices. I contacted and updated my employmentinformation XXXX and XXXX  months ago with them. Your system says it isstill pending. I called previously numerous times to check on status if it was update and still to no avail. I recently, once again called to check again for updatesand the agent told me that they do not have my job informationin the system. She took my job information and was advised that they will contact my employer to update the payment plan again. However, recentlyyou placed the balance of {$660.00} on my credit file in whichI never received any letter or call in regards to you reporting this on my file. This is unacceptable. I have done my part to ensure that you are up to date with my job and this is how you treat fathers. 

You can't treat law abiding father 's with this unfair practice. We have a voice. We matter so do the right thing. There should be a full investigation into this matter.
Consumer complaint received 2022-08-20
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)

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

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

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

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

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

n 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 reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-20
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: DISCOVER BANK (MI)

I made an online purchase in XXXX on my Discover card for {$470.00}. Monthly I contacted the company, XXXX, to get updates on merchandise. In XXXX, XXXX stopped responding and the web site disappeared. My merchandise was never delivered. I alerted Discover by phone end of XXXX and sent the documentation I had on the XXXX of XXXX including my original order, all the correspondence I received and sent from the company as well as the fact that the company no longer had a web site and was no longer responding to emails. Discover did an " investigation '' and despite not talking to the merchant or having any evidence that my merchandise was delivered found the charge valid and will not refund my money.
Consumer complaint received 2022-06-06
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-06-22
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. (AL)

n accordance with the Fair Credit Reporting Act, XXXX  AKA XXXX Bank with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2022-11-28
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. (VA)

My name is XXXX XXXX XXXX there is no XXXX party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-06-22
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TX)

I called to verify dept in the amount of {$130.00} on XX/XX/2022 @ XXXX and after about 5 min on the phone was harassed and was told they would persue further action if I didn't pay the bill, for saying i wasn't gon na pay them and would handle it with original creditor if the statements he made were correct. The third party collection agency is IQ data international IN. I called the secretary of state and was told there was no surety bond filed which is a violation.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NY)

Received charge on my credit card in the amount of XXXX from XXXX on XX/XX/2022. The same day, I contacted my CC company and they removed the charge. An investigation was performed and confirmed that this charge did not belong to me. 

XX/XX/2022, I received a letter, in the mail from Chase XXXX claiming that I owe XXXX XXXX. This amount is different from above charge. Therefore, its not clear to me if this is related to above or just a separate false charge.
Consumer complaint received 2022-06-22
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. (AL)

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

15 U.S.C. Section 602.A., states that I have a right to privacy. 

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.