davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER XXXX XXXX XXXX XXXX Date Updated : XX/XX/2020
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 — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and also XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX XXXX has violated my rights. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, TX 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 2022-09-25
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: CITIBANK, N.A. (FL)

I filed a dispute concerning a {$210.00} charge from XXXX. I cancelled service with XXXX in XXXX and received a XXXX label from XXXX to return the modem, cord, and transmitter. All three were returned to XXXX on XX/XX/XXXX via tracking # XXXX and received by XXXX on XX/XX/XXXX as you can see from the proof of delivery. I had to call XXXX again on XX/XX/XXXX to find out why they were charging me {$210.00} ; they claimed they never received the transmitter, even though it was in the same box as the modem and the cord. You can clearly see the transmitter in the box in the photo I took when I packaged it up. XXXX assured me a refund would be issued. Instead, Citi reversed the conditional credit on XX/XX/XXXX and asked me to send in documentation supporting my dispute ; I sent Citi the photograph as well as proof of delivery on XX/XX/XXXX ; the document shows as being received by them in their " dispute center ''. I'm unclear what additional evidence would be required from them, and it appears to me that not only was zero investigation done on their part, but they also clearly didn't review the documents provided by me. I signed the letter requested by Citi and again sent the proof of delivery via fax # to them XX/XX/XXXX. I have been a card member since XXXX with Citi, and have had to waste hours now getting this resolved.
Consumer complaint received 2022-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF THE WEST (NE)

My debit card was compromised at a XXXX  terminal at a gas station sometime in late XXXX of this year. Over the course of 2 months the fraudster drained my account completely. A total of {$4300.00} was stolen from me due to a compromised debit card. Upon discovering this fraud on XXXX  I immediately drove to my bank and filed an Affidavit of fraudulent activity on my debit card. There were a total of 73 fraudulent transactions going back to XXXX  Bank of the West would not let me claim any further than 60 days of fraudulent charges. 

On XXXX, after filing the affidavit, the bank destroyed my debit card but did not put a freeze on my checking account. This allowed the fraudster to get away with another {$200.00} between XXXX and XX/XX/XXXX, after I had already alerted my bank to the fraud. 

On XX/XX/XXXX, the following monday I contacted my county Sheriff 's office and filed a police report. I provided the Sheriff with a copy of my affidavit. 

on XX/XX/XXXX I filed a second affidavit for the additional {$200.00} in fraudulent charges. 

On XX/XX/XXXX, after XXXX XXXX  I contacted Bank of The West 's corporate security team to provide them with a case number and contact information for the police report. I was told by the head of their Fraud dept., XXXX XXXX, that due to her training schedule, she would not be able to work on my case until the following week and would provide me with an update. 

The following week of XX/XX/XXXX I contacted XXXX. She was not available. I asked her to return my call. Nobody ever called me back. 

I called again the following week XX/XX/XXXX and was able to talk to another manager besides XXXX who informed me that my case had been handed to a different department called Corporate Security, who would work with XXXX 's department to handle my fraud case. 

I received no contact or updated information until I called on XXXX. I was told by a representative that XXXX was unavailable. I asked that XXXX respond to me in writing about the status of my case. XXXX emailed me later that evening to inform me that the case was still being reviewed. 

Throughout XXXX, I called the customer support line to get an update and was met with the same answer, " Your case is being reviewed by a separate department, there's nothing we can do but wait '' On XX/XX/XXXX I called again to obtain a copy of the signed affidavit. Nobody has responded. 

At this point I have been robbed of {$4300.00} and my bank has done nothing to help me for 2 entire months despite filing an affidavit with them AND filing a police report.
Consumer complaint received 2022-09-25
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)

Hello, My name is XXXX XXXX XXXX. I noticed Wednesday, XX/XX/2022 these accounts that I have listed have been opened using my personal information. I am requesting the following accounts be removed from my credit report. I am a victim of identity theft. I did not make any of these charges. The last few years Ive had to jump around a lot from place to place because I was not in the best space mentally and that led to me becoming unstable in other areas of my life. See, I lost my girlfriend a few years ago and she was eight months pregnant with our baby girl. A driver under the influence rammed into my girlfriends vehicle. Neither one of them made it and that turned my world upside down. I stayed place to place where ever I could and my personal information was stolen in the mist of it all. Please delete these items as soon as possible. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NC)

I filed a dispute with Wells Fargo concerning a XXXX XXXX ( XXXX ) transaction in early XXXX. Wells Fargo initially accepted my dispute, but then they closed the dispute in XXXX, stating that XXXX and XXXX denied the claim. However, when I contacted XXXX, the dispute was still open. So I sent a fax to Wells Fargo ( since there was no other way to contact them ) with the email thread from XXXX, where I asked Wells Fargo to reopen the dispute and hold the amount that is due until the issue is resolved with XXXX. Wells Fargo acknowledged received of my fax, but no further reply was received. The credit card payment in the amount of the dispute is due XX/XX/2022. 

Credit card account number : XXXX Amount ( transaction ) : {$1200.00} Dispute initially submitted to Wells Fargo : XX/XX/XXXX XXXX XXXX
Consumer complaint received 2022-09-25
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)

On XX/XX/2022 XXXXXXXX XXXX, I sent several EQUIFAX executives a registered email with a signed and sworn Notice of Demand by Affidavit demanding that EQUIFAX removes all negative items from my credit report, including all hard inquiries and late payments within 24 hrs of notice. I never gave EQUIFAX permission to furnish my private transaction information, let alone create a credit report using my social security information. 

I have let them know they are violating several federal laws. They have yet to comply with my demands.
Consumer complaint received 2022-07-29
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 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2022-08-23
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. (MO)

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an account on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that this account Lates payment will be removed. 
XXXX XXXX Balance : {$7400.00}
Consumer complaint received 2022-06-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

I was negotiating with them about loan modification. Also, I was trying to dispute {$1300.00} they charged for insurance. I faxed the insurance policy a few times, but they told me they haven't received. In end of XXXX, they told me to provide the insurance policy. XXXX, I faxed the policy again and tried to tell them that I faxed the insurance policy again and kept asking to lower the interest rate. ( 5.375 % I have ) I also made sure not to foreclose my house. All the representatives I talked told me they won't foreclose. Then, they suddenly foreclosed my house. I asked them why? I was very late for the payment, but they were willing to do loan modification and I was negotiating. Then, they gave me another chance and told me to make two months payments by XXXX. They told me to XXXX the money from XXXX. I made sure if they accept the payment even last day. They said they will take if I go to XXXX on XX/XX/XXXX. I went to XXXX ( XXXX XXXX XXXX XXXX ) to XXXX  the money before XXXX but I was told that they only can do up to {$500.00}. I called Selene Finance and asked what to do. There was no supervisor and I was told to call back tomorrow morning. I kept asking if there's any other way to make payment. She said wiring takes 24-48hours. I was never told about wiring before. All I was told was to send by XXXX from XXXX. I was on the phone for XXXXminutes. The representative just told me to call back next morning. I called next morning and asked a way to make payment. But I was told they won't take payment anymore and they won't stop the foreclosure process unless I pay reinstatement. Yesterday, they emailed me a reinstatement quote for a wrong person. They sent me another quote next day and it says {$90000.00}. I could have stopped foreclosure last month if I was able to pay {$4400.00} by XXXX and I brought that money. I tried to dispute but the customer service blocked and rejected my email. Now my house is going to auction on XXXX. Please Help!!!
Consumer complaint received 2022-09-25
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)

In accordance with the FAIR CREDIT REPORTING ACT XXXX  accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating my rights under 15 USC 1681 section 602A, 15 USC section 604A section 2 and 15 USC 1666B view attachments below. Also in accordance with THE PRIVACY ACT OF 1974 as amended, 5 USC 552a. 
Also in accordance with TITLE VI OF CONSUMER CREDIT PROTECTION ACT. View attachments below.
Consumer complaint received 2022-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

Hi, Im having a problem with Chase Bank, I deposited 4 checks in my account on XX/XX/2022, totaling almost XXXX XXXX dollars, those 4 checks got flagged by chase as potential fraud, and in order to release those checks to me, they wanted to verify the maker of the check, but since they couldnt find a registered phone number to that company, after 10 days they closed my account, and they are holding the funds ( chase ), but the funds went out of the makers account, so I reached out to chase and asked them to either release the checks to me, or to return the checks to the maker if they think it was fraud, I dont think its fair for chase to hold the checks with them, now the maker doesnt have the money because chase took the money out of their account, and I dont have it either because chase is holding the funds in suspense, which is not fair, im a chase costumer for a long time already, I tried calling dozens of times and I went in to dozens of chase branches and nobody can help me, the only option they gave me, is for the owner of the company that made the checks to go In to a chase branch and to verify the checks himself, but thats not a option, I cant force the owner to go down to a branch, Im in touch with his office but theres nothing the can do. 
and now Im stuck and Im missing almost XXXX XXXX dollar. 
I dont think its fair or legal that chase is just holding the money with them. If they think its fraud they should return the checks to sender, and at this point its been a few month, and I dont know what else to do
Consumer complaint received 2022-09-25
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 (NJ)

My Venmo account was frozen on XX/XX/12. As per the company direction I changed my password and provided requested information to Venmo support. I have spoken to customer support who can not help and have directed me to account specialist who can only communicate via email ( I have all the exchanges ). Basically, without telling me why my account was frozen, they will not unfreeze my account unless they provide them a government issue ID such as my drivers license and passport. I do not want to do that. How do I know who, what, how and where they will use my confidential information. Just like your website says do not provide confidential data, Venmo should practice the same. Ive never provided Venmo with a government issued ID so providing how providing one now will prove who I am. They have nothing to compare it against. They indicated to me in correspondence that they have been collecting information on me. I have no idea what that means and how do I even know that they are collecting accurate information on me. I have provided them transaction history that only the account holder would know and offer to provide other Government issues ID that contains less sensitive and/or confidential data. Still there has been no resolution on my account. I would just like my account unfrozen. This whole experience has been frustrating and such a personal violation. I appreciate your assistance.
Consumer complaint received 2022-06-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CBC Companies, Inc. (OK)

Factual data attempted a hard inquiry on all three of my credit reports. Fortunately, I have a freeze on my accounts. I am attempting to find out who the mortgage lender is that asked factual data to run my credit, since they provide this service to mortgage lenders. I have not applied for credit in nearly two years except for a refinance back in XX/XX/2022. I took the freeze off my account just long enough for XXXX XXXX  to approve my loan and I quickly put the freeze back. I would like to know the name of the lender that fraudulently engaged Factual Data. From there I would like to know if there is an individual attempting to steal my identity.
Consumer complaint received 2022-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IN)

It's my understanding that federal student loan repayment has been paused until 2023. Navient however is attempting to collect payments, charging massive late fees and capitalizing the interest in violation of current laws. 

They're also sending out false statements, attempting to collect in spite of the current pause. 

In the statement I'm enclosing, for XXXX unpaid month, they're charging over {$80.00} in fees. Over a third of the bill is late fees during a time they aren't supposed to be collecting. 

Further, they give you less than XXXX weeks to pay your statement. The one I'm including is for the XXXX with a due date of the XXXX and is for nearly {$250.00}. This is a blatant attempt to make it as difficult as possible to pay so they can charge more extraordinary fees
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

Due to the pandemic communications companies allow people to open accounts online and if your info, i.e., name, DOB, social, etc., are in a data breach, anyone can open accounts with these companies. The companies take them without running further checks, as an example, Ive had my XXXX XXXX XXXX cell phone number for over 20 years, and yet, they failed to call me to verify my identity for this new, fraudulent account with XXXX XXXX XXXX XXXX When you complain to these companies that you have been a victim of identity theft, they want you to fill out about affidavits, police reports, etc., of documents to prove your claimthe irony. Perhaps they should do the same to prove who you are BEFORE they open an account to just anyone. There should be some type of two-factor authentication. You are not notified of the fraud until the suspect fails to pay their bills. In my case, XXXX XXXX XXXX XXXX XXXX fraudulent account under my name sometime in 2022 and again, without calling my XXXX XXXX XXXX phone number to verify and waited until the account became delinquent to finally contact me. How absurd!
Consumer complaint received 2022-09-25
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (NY)

I am having a problem with my CareCredit account, which is up under Synchrony Bank. They are penalizing me for disputing a charge, and not giving me the provisional credit that they are claiming that they are doing, which is required by Federal Regulations. 

I had a credit limit of {$1900.00} with CareCredit. Therefore my available credit limit was {$1900.00}. I made a one time purchase for {$1800.00}. As a result of such, my available credit limit became {$5.00}. After that, I made a one time payment to CareCredit, of {$1800.00} to pay off my entire balance. Such payment brought my available credit limit back to the original amount of {$1900.00}. I have not used my CareCredit account since then, so my available credit remained at {$1900.00}. 

Because the purchase I made for the {$1800.00} contained a breach of contract, I disputed such charge with CareCredit, and subsequently was told that I was going to be given a provisional credit for the disputed amount. Instead of being given a provisional credit, prior to doing so CareCredit placed a hold on my account for {$1800.00}, in order to stop the provisional credit of {$1800.00} to be given in good faith. Such action flies in the face of 12 CFR 205 Electronic Fund Transfers, as governed by Regulation E. ( https : //www.federalreserve.gov/supervisionreg/reglisting.htm ). 

For me to have an available credit limit of {$1900.00}, then dispute a charge of {$1800.00}, just be given a provisional credit of {$1800.00} right after a hold is placed on my account for {$1800.00}, is tantamount to not being given a provisional credit at all. In fact, since the hold has been placed on my account prior to the provisional credit being posted, my current available credit is only {$5.00} and will remain at {$5.00} until the provisional credit posts to my account ( when prior to such dispute my available credit was {$1900.00}. ) If my available credit limit was {$1900.00} prior to the dispute, and after the provisional credit of {$1800.00} is posted, my credit limit is still {$1900.00}, where is the provisional credit at? 

By Synchrony Bank and CareCredit placing a hold on my account for the amount I am disputing while offering me a provisional credit, they are surreptitiously circumventing the banking regulations set forth to protect consumers, and finding a way to abuse my rights as such consumer. CareCredit is making it appear as if they are giving me a provisional credit when they are in fact not doing so. 

I spoke to three different people regarding this issue on the morning of Sunday, XX/XX/2022. The people that I spoke to were representatives by the name of Nurse ( phonetic spelling ), via phone ; XXXX, via SMS ; and XXXX, who said he was a manager, via phone. None of the three parties made an attempt to resolve this issue.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

The XXXX XXXX initially stated this account was paid and also was closed. Information is true yet still hasn't been removed from my report. Section 611 ( a ) states that failure to investigate items by CRA within 30 days must be removed if presume to be inaccurate. This has been over 30 days and I will like this to be Deleted immediately.