davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Consumer complaint received 2020-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (UT)

To bring this up to date, Wells Fargo 's Remediation ( DPG ) XXXX. XXXX  XXXX, XXXX, Oregon, XXXX letter to me XXXX XXXX XXXX dated XX/XX/2020 said, " Our research indicates that a hold was placed on your deposit account ( s ) that may have been unnecessary. We sincerely apologize for any negative impact this situation may have caused. '' Closed account ( s ) impacted : ending in XXXX ; XXXX Reference Number XXXX. 

Also, they agreed to send me {$250.00}. and {$500.00}. for reimbursement of bank fees. I received the {$250.00}. check XX/XX/2020. I have not received the {$500.00}. check. They sent the check to the wrong address. 
The said they would mail me a reissue form to my correct address twice and it never came. 
They said they sent the authorization to the branch twice, the branch said they never receied XXXX 's authorization to issue the check at the XXXX  branch in XXXX XXXX XXXX, utah and XXXX XXXX at XXXX said he has never received it. I was told by XXXX to go there by appointment. 

I have contacted Wells Fargo many times and every time their statements do not match their actions and this has been going on not for two months. The names of contact are XXXX, XXXX, XXXX XXXX are not verified. I was even told an email was sent to the XXXX  branch of wells fargo with instruction to pick up the check. well, i scheduled an appointment twice and still no email authorization and no {$500.00} check. 

This settlement stems from an investigation over ten years ago as part of the big Wells Fargo they got caught holding depositors deposits for weeks, bouncing checks, charging fees denying access to the funds deposited into the accounts. 

It has been two months since i was to get the {$500.00}. returned to me and since i have gotten the run around, i feel they have no intention fulfilling the REMEDIATION COMMITTMENT THEY AGREED TO.. 

They told me they issued the check on XX/XX/2020 and I'm yet to see it. I have contacted the REMEDIATION DEPARTMENT SEVERAL TIMES and i get nothing but nonsense. WELLS FARGO CASE NUMBER GIVEN TO ME BY XXXX XXXX IS XXXX at XXXX I believe they're giving me the run around and trying to rip me off again by delaying the payment of the {$500.00}. we agreed to XX/XX/2020 and thinking i will just go away. 

I believe i have been more than patient for the wrong doing and I believe they should be shut down until i receive my {$500.00}.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (GA)

Hi i had open self credit builder account about 3 yrs ago and was offer a secure credit card with XXXX credit limit which was my money.I later closed the credit builder and kept the secure credit card. I tried canceling this account and it suppose to be linked to a credit builder account but its not and I need my money on this secure account and closed.
Consumer complaint received 2021-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CT)

In XX/XX/2021, I changed my checking account. I thought I had set up automatic payments to this account. However, in XX/XX/2021, Synchrony Bank contacted me to inform me that my payment did not go through. To ensure that the correct bank account was set up for automatic payment, I went online to their portal to ensure I made a payment manually and to double-check that I had the correct account on the autopay. A few weeks later, I was charged two late fees. I had made my payment on the due date as Synchrony Bank had requested. So I know I was not late nor should I have been charged twice. I am attaching a letter showing the accounting error. Because I requested the second late fee be removed as well, they ran an automatic review of my account, which pulled the wrong information as my credit was at XXXX for the last two months as I check it weekly on XXXX XXXX. They lowered my credit line using incorrect information. I have attached a credit report as proof of this and a letter showing they used the wrong credit report.
Consumer complaint received 2019-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

Overdraft fees charged when the account balance didn't become negative. This has been a repeated issue over the last 6 months. Wells Fargo says this is being caused by pending charges on the back end that can't be viewed by myself or the personal bankers in store. 
Today ( XX/XX/19 ) I received an email stating that I had been charged 2 overdraft fees for items posted on the XX/XX/XXXX despite an ending daily balance that was positive. I spoke with a personal banker who assured me that the fees would be refunded, however, shortly after leaving I received an email refusing my refund request. I returned to speak with the personal banker and was informed that the refund was being denied because they have a limit and I had reached it over the last 6 months. The only fees that have been refunded were due to this same issue.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ACIMA CREDIT, LLC (TX)

I have reviewed my consumer credit report and I noticed an unauthorized accounts from ACIMA DIGITAL FKA SIMP account under 15 USC 1681 number 3. XXXX assumed this role without permission not only that you did not have my consent. XXXX did not respect my privacy pursuant to 15 USC 1681 a number 4. XXXX did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my report. XXXX also is the only reporting agency reporting this account. They also have all of the payment history for each month as a collection this was never reporting of 30, 60, 90 days late. Please see attached.
Consumer complaint received 2020-08-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MN)

I was sent money to help in these difficult times about XXXX in the XXXX XXXX venmo and was unable to transfer to my debit card, contacted customer support multiple times and they were unable to fix/help with the problem, they said to link my bank account and do the standard transfer to my bank account unfortunately i was unable to even link any bank account manually with the routing number or with the plaid system they had in place to link my account on top of that i was not even able to add my information to verify my identity and was repeatedly given the message that there was an issue or things werent working message for days. There was no option to retrieve the money sending or transfering and repeatedly told im so sorry but unfortunately theres nothing we can do except escalate your account and to wait for an email.
Consumer complaint received 2022-08-18
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$970.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$730.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am 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 2022-08-18
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. (NY)

My personal information has been stolen, I am submitting my ID, Identity theft report and Notarized Identity theft Affidavit. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information that resulted from an identity theft on my consumer report.
Consumer complaint received 2022-08-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (OK)

In XX/XX/1922 I created a dispute regarding inaccurate and unknown information on my credit report. To this day XX/XX/22 over 30 days later XXXX XXXX XXXX XXXX with account # XXXX it is still on my credit when I have not given XXXX XXXX XXXX XXXX my written instructions to furnish any information to the credit bureaus. 

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 2022-08-18
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please CORRECT the items, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the items listed below : XXXX XXXX Date XXXX Balance : {$2400.00}, XXXX XXXX Date XXXX Balance : {$9700.00}
Consumer complaint received 2022-08-18
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. (NC)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-09-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK (MN)

On XX/XX/2020 I connected to my online TCF Bank account and saw a savings account had been opened in my name on XXXX XXXX, 2020 and {$200.00} withdrawn from my checking account. 
I went to the local TCF branch nearest me and asked the teller, " Who opened a savings account and withdrew funds from my checking?? '' " I have no recollection of opening it '' He could not answer that and asked what Id like to do. 
" Cancel The TCF savings account immediately. '' The {$200.00} was returned to my checking accountt, but it troubled me why or by whom the Savings account was opened. 
I have screenshots of the transactions.
Consumer complaint received 2022-08-18
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: I.C. System, Inc. (NJ)

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
Consumer complaint received 2020-09-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

I hope you can help. I file disputes in XXXX and still havent heard anything. I am aware things are slower now but over 30 days should not be allowed.
Consumer complaint received 2018-12-20
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)

According to my recent credit report request from XXXX, XXXX, and Equifax there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX  VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX THIS ACCOUNT DOES NOT BELONG TO ME AND CREDITOR HAS NO CONTRACT OR AGREEMENT TO HAVE MY PERSONAL INFORMATION PLEASE REMOVE IT XXXX XXXX XXXX Account # XXXX THIS ACCOUNT SAYS I AM 30 DAYS LATE BUT I HAVE NEVER BEEN 30 DAYS LATE PLEASE REMOVE LATE PAYMENT MARK ON XX/XX/2018
Consumer complaint received 2020-09-29
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)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2020-08-18
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: DISCOVER BANK (NJ)

I have a loan with DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, DISCOVER FIN SVCS XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2018-12-20
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (DC)

Synchrony Financial applies credit card payments made after the XXXX of every month ( payment due date ), between XXXX and the XXXX of the next month, to the pervious months billing cycle even if there is no balance due from the previous month. This allows them to apply late fees and interest charges to payments made between the XXXX of the previous month to the XXXX of the next month ( when the statement cycle closes ). This is unethical and they are cheating consumers who are paying their credit card bill in good faith.
Consumer complaint received 2022-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (OK)

I did a refinance on a rental property with XXXX XXXX XXXXt. All went smooth and it was the 2nd one I had done with them I guess they select Fay servicing to handle the servicing of the mortgage. This was fine. I recently went back on tour  and Haven't been home since XXXX. I dont get to check my mail because im never home and I set everything on autopay. Well randomly Fay servicing just decided they didn't think I have insurance on my rental property. They sent a letter saying we had 15 days to provide proof. However by the time we received it and my wife opened it and sent me a picture it was already day 15. Well I called their customer service and they said to just upload my insurance info and it'd be no issue. So I uploaded it to their website on XX/XX/XXXX. I then also sent it in a email to their insurance verification email for a backup. 
I received no response from the business so I thought all was well as my XXXX XXXX rep had provided me with documentation showing how I had alway kept insurance and this shouldn't be a issue. Well out of nowhere today we received mail from Fay servicing Showing they bought a {$2100.00} insurance policy for the property as they say we didn't upload any proof to them. They have since deducted the escrow account. They say in their letter if we have proof to just upload it but we did do that and all their website says is it wont show information on commercial mortgages. So this seems like a scam to me they are running. I see many others on XXXX reporting the same issue that they wont accept any proof of insurance and just deduct from your escrow and raise your payments. I am going to be stuck paying a higher monthly payment because they simply just thought my property didn't have insurance and wont respond to me on any of their platforms to verify insurance.
Consumer complaint received 2021-07-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.