davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX XXXX and XXXX XXXX XXXX immediately. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-01-17
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cottonwood Financial Ltd. (TX)

I made XXXX payments of {$190.00} for a Cash Store debt settlement from XXXX/XXXX/15 - XXXX/XXXX/15 and I received a call yesterday from another collection agency that this debt was not paid
Consumer complaint received 2022-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (WA)

This past XX/XX/2022 I was scheduled to start work at XXXXXXXX XXXX. so I started my shift at XXXXXXXX XXXX. and at or around XXXXXXXX XXXX. I took my first break! While I was on break I realized I had a few emails and texts messages ( I have texts alerts and I also receive emails when there's money spent and added to my card ) so I looked at my emails and realized that someone had made a total of 5 attempts to withdraw money from my account 3 transactions where successful and the other 2 transactions were declined. I don't know how this would be possible since I had my debit card in my pocket. So I was freaking out and my heart dropped I managed to call wisely the debit card company and told them to cancel my card immediately and I explained what had just happened while I was at work and I also told them that NO ONE HAS access to my debit card information and that I also had my debit card in my pocket. She told me they would reimburse me for my lost but it could take up to 45 days. I've called them numerous times and I also have sent them 2 copy 's of a letter describing what happened and where I was at when this all happened I even sent them a copy of proof showing them that I was at work in a different city while this all took place. They claim they never had received my letter 's. And I also made a police report over the phone I tried talking to the two XXXX where the transactions took place at with no help since I don't have active bank accounts with either so they could not help me either. Every time I call wisely it's just the run around a it's always a different person I speak with and they always tell me something completely different.
Consumer complaint received 2022-08-16
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. (IL)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and that violated my rights numerous of times. I demand accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1. XXXX XXXX, XXXX, XXXX, XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX Reporting a late payment as of XX/XX/XXXX and I do not have an open account with this company
Consumer complaint received 2022-08-13
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. (MN)

When I went to the car dealership I was told that my credit would only be pulled by one company however multiple companies pulled my report without my authorization resulting in me having multiple inquiries without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (IN)

I got 2 {$25.00} dollar Gift cards I have tried to use these cards at several stores and online and every time the card would come back as declined. I called the customer service and they told me to go to the stores I used the card at and have them take the card information out of the system and try again. The latest date is today I tried using it again online.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (LA)

I wrote a check from my personal checking account at XXXX Bank on XXXX XXXX, XXXX, to an incorporated roofing company XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). 
The check was stolen along with other checks from a USPO mailbox on or about XX/XX/XXXX. An individual deposited the check into a personal checking account at Wells Fargo Bank and cleared my account on XXXX XXXX, XXXX. The individual is not related or affiliated in any way with the roofing company. My bank, XXXX made a formal request to Wells Fargo Bank for a Breach of Warranty Claim- Presentment Warranty stating the type of Warranty Claim was " Indorsement is Missing/Unauthorized/Fraudulent. To my knowledge, XXXX Bank has not received a formal response from Wells Fargo regarding the Breach of Warranty. 
I filed a claim with CFPB, claim # XXXX. CFPB forwarded the complaint to Wells Fargo who replied to me and with a copy to CFPB stating that " the bank can not assume any liability when a customer chooses to do business with questionable individuals ''. CFPB responded to me that the company had responded, and the case was closed with explanation. I would like to appeal the decision of CFPB to close the case, based upon the unauthorized Indorsement by a customer at Wells Fargo Bank.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX accouint # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Consumer complaint received 2022-11-12
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 (TN)

Multiple times I've tried to transfer money from my venmo account onto my debit card. I ended up emailing them and they said the problem was I was either using a fake name or to do a bank transfer instead of a card transfer. But then I try adding my bank to my venmo account, it gives me an " error '' page. I click add bank, then I click the bank button, then it says " Sorry, an error occurred. 
Our development team has been alerted and we are working hard to make sure this doesn't happen again. '' It's been saying that for over 3 months now. 
All I want is a way to get my money I have on the account, into my bank. But they're very flakey and give vague answers or barely even pay attention to my emails or don't even care enough to find a solution for me.
Consumer complaint received 2022-11-12
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. (TX)

I have reached out to all three credit burears to investigate inaccurate accounts on my credit report and they have come back " verified '' but i have yet to see a proper investigation of what iv asked for from them.Equifax, XXXX and XXXX are listing on my credit report that i have dept colletion accounts in the amount of {$4500.00}, {$9000.00}, {$4500.00}, {$2300.00} .All they have provided is the same old paperwork that i have received over and over. it states my name and address and amount i suppossedly owe. in this investigation i have requested that they send me the original binding contracts with my signature proving that i applied for theses account and i have not received my request .I know my rights as a consumer to not have my name or credit report slandered as it is and thus making it difficult to use my credit because so. The law FRCA 15 USC 1681 states that the must by law provide me the consumer with a proper investigation that is 100 % accurate. i have demanded these reports be deleted if they can not do a proper investigation and they have yet to delete then
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (UT)

I have sent dispute letters and debt validation letters on XX/XX/2021 and XX/XX/2021 in regards to WELLS FARGO account number XXXX. The date last reported is inaccurate across all three credit bureaus. According to 15 U.S. Code 1679c. A consumer has the right to dispute and correct an inaccuracies found on their credit report.
Consumer complaint received 2016-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

XX/XX/2015 I applied for a new Citibank checking account that had a promotion ( XXXX XXXX : XXXX ) to award me XXXX XXXX XXXX AAdvantage Miles after I completed certain requirements. After having opened the account I reached out to a Citibank Representative to confirm my account 's proper enrollment in the promotion and date by which I need to meet my requirements in order to receive the bonus XXXX miles. Attached is a copy of the terms and condition of the promotion that i received during the opening process of my application and also a copy of the confirmation of account being opened. Since then I have met all the requirements for the promotion and have also had repeated phone conversations with Citi Representatives that have confirmed my eligibility, and that i have had met all the requirements for the promotion. Yet after nearly 7 months i have not received my points. As a XXXX Year Old XXXX male I already feel being taken advantage of as a XXXX in many walks of life, now I have a reputable organization doing the same. How is it that I am required to hold my end of the bargain, but Citibank does not? After multiple conversations and confirmation from Citi Representatives now all of sudden Citi says I am not eligible? Citi is pulling a classic bait and switch on me and should not be able just walk away from promises made to customers for monetary benefits of their own. 
I am asking that Citi upholds its promise and award me the XXXX XXXX miles as deserved after having met all their terms and conditions.
Consumer complaint received 2022-11-12
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC. (MA)

I got a letter in the mail from Afni , Inc . It states they are trying to collect a debt. There is no debtor, there is no amount owed, nor is there an account number from any said debtor. The letter states that a request has been made on their behalf to access my credit report. Companies can not randomly choose to access credit reports under the Fair Credit Reporting Act, especially debt collector companies. 

If Afni has any real proof of my debt, or an alleged debt owed, I expect the original contract of said debt in writing with my original signature within 30 days. If this does verification does not exist, they must remove all reporting and/or access to my credit report, and they are NOT authorized to access my credit.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MD)

I signed up for a citigold checking account with citibank in XXXX of 2016 under the promotional code XXXX. After signing up for the account I received and printed out the terms and conditions for the promotional offer. The promotional offer entitled me to XXXX thank you points after a set of terms were meant. In XXXX I completed the terms of the offer and asked via a chat session with a Citibank representative when I should receive the XXXX thank you points. The citi Representative informed me that I should receive the XXXX points within 90 days. After 90 days had passed I still had not received the points. I contacted citibank again via chat and again was informed that I should have received the points and that my request was going to be elevated to an upper level. After 3 days, on XXXX XXXX 2016, I received an email saying I was not eligible for the promotion. I called Citibank back on XXXX XXXX to request clarification and was told again that it needed to be elevated to an upper level. On XXXX XXXX I still had not heard back so I called Citibank again. I was told I was not eligible for the promotion and there is nothing they can do about it. 

To summarize I was directly told by XXXX different Citibank representatives that I was eligible for the promotion but they are now refusing to honor it. I have documentation in the form of chat logs of these XXXX occurrences. Citibank did a bait and switch in order to get me to sign up for the account. I have been charged XXXX dollars so far in fees for this account which they are also refusing to refund.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NC)

For the last XXXX months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of my credit report.
Consumer complaint received 2022-11-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On XX/XX/XXXX, my mother was scammed by a hacker on her Venmo account. This person, set up an account in her name and sent money to my Venmo account. She thought this person was trying to help her, so she asked me to send the money right back. This happened two times, once for {$290.00} and once for {$990.00}. I did send the money back. The hacker then sent the money to multiple different places in small amounts to an account named XXXX XXXX. He likely also linked his account to transfer the remainder of the amount from her Venmo account into, before then deleting his account information. My mother was able to file a claim with her bank and get her money back. 

However, Venmo is saying that I owe them {$1200.00} and has put a freeze on my account. I am concerned that they will take me to collections and that it will affect my credit if I do not pay them. You can easily see from the transaction history on both my Venmo account and on my mother 's account that I sent the money right back. Any payments that I receive in my Venmo account are going towards this negative balance now. I do not owe them this money. This was fraudulent activity on my mother 's account and they should be going after the hacker, not me.
Consumer complaint received 2022-08-16
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)

It has been discovered that you are not DISPOSING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law. 
XXXXXXXX XXXX Date of inquiry XX/XX/2021 ; XXXX XXXX XXXXXXXXXXXX XXXX {$73000.00} ; XXXX XXXX XXXXXXXX Balance {$20000.00} ; XXXX XXXX XXXX {$17000.00} ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX Bankruptcy XXXX Dismissed ; XXXX  XXXX Bankruptcy XXXX Dismissed ; XXXX XXXXXXXX XXXX  {$17000.00}
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (NC)

On XX/XX/ XXXX  I contacted US Bank Reliacard to update my address and have my unemployment card resent. The address that they had on file was the hotel that my family and I were staying at due to displacement. The representative informed me that my account was flagged ( by whom? ) and that I had to verify my identity via their website before they could issue an address update and new card. I did as I was advised and called back on XX/XX/2022. This representative advised that they couldnt update my address because NC XXXX had to it. I informed her of the last reps advise and asked to speak with a supervisor. XXXX was unhelpful and wouldnt pull the last call that I made on XX/XX/XXXX. I explained that my address was updated on Unemployments end but he still wouldnt help me. This bank has so many complaints about them doing this to others without authorization to do so. Now XXXX concerned that they will charge me extra fees for having funds on that card even though I never wanted to do business with them in the first place. NC XXXXXXXX XXXX wouldnt allow me to use my XXXX XXXX  account and I was forced to do business with US Bank Reliacard. Someone needs to look into these complaints and do something.
Consumer complaint received 2022-11-12
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. (SC)

On XXXX. I disputed XXXX Account. XXXX is reporting inaccurate, and incomplete information. The account was opened on XX/XX/XXXX. XXXX didn't report my payment history until XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with Equifax for reporting incomplete, and inaccurate information regarding this account. The account was opened on XX/XX/XXXX, and Equifax didn't report my payment history until XXXX have received no response from Equifax regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights. 

On XXXX I disputed the XXXX account with XXXX for reporting incomplete, and inaccurate information on my credit report. The account was opened on XX/XX/XXXX, and XXXX has my payment history starting XX/XX/XXXX. I have received no response from XXXX regarding this incomplete and inaccurate information it's been over 30 days, which is a violation of my rights.
Consumer complaint received 2022-11-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NV)

This is a copy of the letter I sent Chime. They denied my disputes three times and each time I had to continually ask for a reason for the denial. One time I was told because I was in the same city as the charges, which was not true. I am in Nevada and the charges were from California, and another time the reason was because the card was in my possession. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 Chime Bank XXXX XXXX XXXX XXXX XXXX, CA Dear Sirs : I am corresponding regarding my fraudulent activities claim. 
I have had several fraudulent transactions posted to my account, generated from XXXX, CA. I reside in XXXX XXXX NV and am elderly and on a fixed income ( social security ) therefore I do not travel. 
I immediately called Chime when these transactions appeared. In fact, while I was on the phone with a customer service representative two of the three charges appeared. I also spoke with a manager from the dispute department at Chime and after reviewing everything, her findings were that of the cloning of my account. I was assured that this issue would be resolved and my money would be returned to me. 
I have received notice that my fraudulent claim has been denied and no one can give me a reason as to why. I have requested to receive a written denial several times to no avail. 
The fraudulent transactions are as follows : XX/XX/2022 {$27.00} at XXXX XXXX XXXX XX/XX/2022 {$200.00} at XXXX XXXX XXXX XXXX XX/XX/2022 {$160.00} at XXXX I would appreciate some help in this matter because as I previously mentioned, I am on a fixed income and am in need of the return of this money. I was in XXXX XXXX NV when these charges occurred. I was also on the phone with your representative when two of the charges went through. 
I trust that someone will get back to me in this regard as soon as possible. Please feel free to contact me at any time if more information is needed. 
Thank you for your time. I look forward to hearing from you. 
XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-19
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. (TX)

The Following information is being reported Inaccurately and I am requesting that all items listed below be DELETED Immediately since I have been requesting them to be removed for more than twelve months. 
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 XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX