davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (NJ)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed below within 30 days of receipt of this letter, you must remove this account from my credit report. 

SECTION XXXX : BANKRUPTCY FILING NUMBER XXXX XXXX XXXX DISCHARGE
Consumer complaint received 2022-08-20
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: Incomm Holdings Inc. (TN)

I purchased a prepaid XXXX XXXX card from a local convenience store on XX/XX/2022. The card was to be given to my son to be for school purchases. This was a variable load Visa card and I chose to load {$500.00} to it. The card did not activate properly and when I check its balance there is none. I have contacted Incomm at least 5 times as XXXX XXXX to fix my card but I keep getting the run around and told to wait XXXX hours and call back. Upon my first contact they requested pictures of the gift card front and back, a copy of the purchase receipt and a copy of my ID, all of which were provided on XX/XX/XXXX. I am out {$500.00} as of XX/XX/XXXX and have not received a working XXXX XXXX XXXX nor a refund. Please help.
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. (VA)

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.Pursant to 18 USC 8, I owe no debt, This company is violating my consumer right to privacy pursuant to 15 USC 1681b XXXX has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 These are the following accounts that are fraudulent on my consumer report US DEPT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item or information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: COMMERCE BANK (MO)

My personal and business accounts were restricted/terminated without a proper notification. The bank says they sent a letter of explanation through XXXX XXXX  in which I never received. They also sent my monies through XXXX XXXX in which I was not notified of said issue by anyone in the bank until the day my debit card stopped working. I just made a deposit last Thursday inside the bank and nothing was said when the account from what I understand was restricted at that time. If I would have received the letter I would have withdrawn my monies myself. The XXXX commerce bank has been told many times not to mail to the address they have, hints the reason I have ordered checks and had them delivered to the bank. 
I was not notified and I have no access to monies in both accounts that is mine or my companies monies. I have no monies to purchase materials so I can work. Im not working today, tomorrow, etc because of this said issue. 
I also have a voicemail from an aggravated commerce employee XXXX giving me the wrong tracking numbers for the XXXX XXXX mail. 
Please help before I go broke!!
Consumer complaint received 2019-02-16
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. (TX)

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX   {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX   {$4800.00}
Consumer complaint received 2022-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (MA)

Thursday, XX/XX/XXXX, unauthorized charges were attempted on a locked debit card which was supposed to deny all attempted transactions. After receiving a message from Ally Bank 's fraud protection program, I checked my account to find attempted charges. After attempting 3 times to call the fraud phone number for Ally, I finally spoke to someone who said that my card would be flagged, cancelled, and a new one sent out. I was also assured that the attempted charges had been denied and would not post to my account. After getting off the phone with the fraud department, I called the normal number for the bank and waited on hold for over 40 minutes to be assured that my money was safe, my card was cancelled, a new one sent out, and that the charges had not been allowed and would not post to my account. Today, XX/XX/XXXX, I checked my bank account to find that the charges had indeed posted to my account. This is not the first time I have had a debit card number from Ally bank stolen, and I have taken measures to keep my card locked at all times and only use it for ATM withdrawals. Ally needs to be held responsible for their failures to protect consumer information.
Consumer complaint received 2022-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting inaccurate information on my consumer credit report and file. I sent in a letter to them requesting the immediate removal of the account from my file and report and they responded that the creditor certified that the account was reporting accurately. The information is damaging to me as a consumer. Per 15 usc 1681e ( b ) they should be reporting 100 % accurate information. How is an account accurate if it is being reported differently amongst the consumer reporting agencies? To top it all off, I DID NOT give EQUIFAX any form of written instructions to accept, furnish or report any information on my behalf! Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). I asked them to provide a contract between them and me, notarized by a senior executive, showing that I granted them permission because no consent is identity theft. They treated my letter as if it was a dispute, however it was not a dispute, it was written instruction from me the consumer.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK (OK)

To Whom it may concern, On XXXX XXXX 2016 I went into my First Bank to see if my money was pending, like I always do. Yes, it was pending, I waited till the first when the funds would be available, to pay my bills like always. The money was there like my ex husband and I agreed upon, for the child support. I paid my bills, on the XXXX of XXXX, I was sitting in the parking lot of the library with my daughter, looked at my gas tank ( which was on E ) checked my bank account. ( It was XXXX XXXX on a Friday at XXXX. ) I looked at my bank account on my phone, the amount was XXXX as I sat there starching my head, I said to my self, " This has to be wrong! '' I logged out, logged back in again and said the same thing!! I called the bank, the representative checked all my information, kinda sounding nervous, put me on hold and got back to me, saying, " That he, ( my ex-husband, who is NOT affiliated with First Bank in anyway shape or form ) went into my account and said, " There is a check in my name go9ing into her account and I want it back! '' And the bank gave it back to him!! I feel sooo invaded, First bank did n't call me to even let me know that this happened, just let him go into my out personal account and let him take away all of my child support money and our children 's XXXX money. I was unable to pay my bills, I had to ask XXXX XXXX, to help us keep the utilities on. I was unable to pay my mortgage, again for the second time!! The First Bank manager wanted to see a copy of my divorce decree, which I brought over to them on the next day Saturday the XXXX. How can this happen? I have been doing this transaction of {$2100.00} for months, with this bank. I spoke with the vice president of the First Bank, and basically that conversation went no where. How can this happen, how can alll of these people get away with taking my children 's child support away from them?!?. 
Police report # XXXX call XXXX for the police reports there are 9 of them.
Consumer complaint received 2022-11-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (NY)

On XXXX I scheduled a XXXX payment from my Citibank account for {$2200.00} to be paid on XXXX. I received a text message confirmation of this transaction. For scheduled payments XXXX sends a reminder text message 1 day prior to the payment date, so they sent me the reminder text message for this transaction on XXXX. 

But then on XXXX, instead of taking {$2200.00} out of my account as I had requested, the transaction was duplicated and there were 2 different payments made from my account for {$2200.00}. So XXXXCitibank removed {$2200.00} more from my account than I had authorized them to do ( and {$2200.00} more than the text message confirmed they were going to take out of the account ). I immediately called Citibank to ask them to fix the problem and they said they couldn't fix it immediately and they would have to open an investigation ( I have no idea why they claimed they couldn't fix it immediately - the transaction was still in " pending '' status at the time ). They ultimately sent me a letter in the mail saying that their investigation showed that nobody had obtained unauthorized access to my account so they would not return the money to my account. I'm not sure why they spent time investigating unauthorized access to my account as nobody suggested that was an issue ; the issue was that their software duplicated the transaction. 

So I called Citibank again, once again explained what had happened, explained that I had text messages proving that I had only authorized 1 transaction, and asked them to conduct the investigation while I was on the phone so I could show them the incontrovertible evidence that I had only authorized 1 transaction and they had incorrectly duplicated it. Citibank initially refused to do the investigation while I was on the phone, but ultimately after speaking to a few different people I spoke to someone who looked at what had happened, said it was obvious that the Citibank had incorrectly duplicated the transaction, and told me that the money would be returned to my account. However the money still has not been returned to my account and I received another letter in the mail saying that the money wasn't going to be returned to my account. 

So at this point Citibank has now stolen {$2200.00} from my account because of a bug in their software, lied to me about returning the money, and wasted a huge amount of my time trying to get my money back. I would like the money that was incorrectly taken from my account to be returned and I would like to stop wasting my time dealing with this.
Consumer complaint received 2022-06-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (UT)

My auto loan with ALLY AUTO was paid off by my house refi and was overpaid on XX/XX/2022. Since then I have called several times regarding the overpayment and gap insurance refund, initially I was told 30 days, at 40 days I called and was told 50 to 60 days. At day 65, today, I was told it may be another 2 weeks. They have my banking information from all of the payments that I made, yet seem unable to just XXXX the money back that they owe me or get a check out.
Consumer complaint received 2022-07-27
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. (CA)

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : Equifax Letter Tracking # XXXX XXXX  Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin 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. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. ACCOUNT IN QUESTION : Account XXXX with XXXX XXXX
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 — Investigation took more than 30 days
Company: Mr. Cooper Group Inc. (FL)

I was in XXXX forbearance program with XXXXXXXX XXXX XXXX  effective XX/XX/XXXX. 
On XX/XX/XXXX, I received a modification package from XXXXXXXX XXXX XXXX I returned the package back to XXXX XXXX XXXX on XX/XX/XXXX. The modification was approved XXXXXXXX XXXX XXXX  advised me the payment amount was determined at {$1900.00} the interest rate was XXXX percent. 

XXXX XXXX XXXX sold the loan to Right Path. I reached out to Right Path on several occasions, but on XX/XX/XXXX Right Path informed me not to make any payments because they were going to send me out a modification package during the first, week of XXXX. I never received the package and then noticed they reported me 120-days past due on my credit report, this was around XXXX. 

When I spoke with someone at Right Path regarding the 120-day delinquency in XXXX, they stated it was an error and corrected my credit report. Now Right Path has reported me 120 days past due again to the credit bureaus and have not corrected the issue.
Consumer complaint received 2021-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Recently sent disputes to Equifax, the most recent dispute was sent to Equifax on XX/XX/XXXX for collections account with XXXX XXXX for XXXX XXXX XXXX. Collection account should be permanently deleted. Original creditor ( XXXX XXXX XXXX  ) last date of delinquency was XX/XX/XXXX. Provided Equifax with XXXX XXXX statement showing last date of payment as XX/XX/XXXX. Spoke to an Equifax representative the week of XX/XX/XXXX, who stated Equifax has my information showing the first date of delinquency as XX/XX/XXXX, BUT since XXXX  said the account was reported as accurate for the date of XX/XX/XXXX, Equifax has to follow what the creditor states, regardless of the proof on file. 

This account has had its first date of delinquency changed three times from XX/XX/XXXX, to XX/XX/XXXX, to now XX/XX/XXXX, which is fraudulent activity, after I have disputed these inaccuracies showing last date of delinquency as actually XX/XX/XXXX. Equifax and XXXX XXXX refuse to report accurate information, which has created denials for credit applications submitted during this timeframe. 

Dispute History : XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX had first date of delinquency as XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion-results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency from XX/XX/XXXX to XX/XX/XXXX. 
XX/XX/XXXX, filed dispute for inaccurate information and asked for deletion -results received on XX/XX/XXXX from Equifax-XXXX  XXXX changed first date of delinquency again from XX/XX/XXXX to XX/XX/XXXX, but reports date of last payment as XX/XX/XXXX, which is a discrepancy with the date of first delinquency. 

The XXXX XXXX account does not have any payment history for XXXX, XXXX, nor XXXX, which is verified by statements. XXXX XXXX can not provide proof of last payment nor first date of delinquency on this account because they have no payment information from the original creditor. XXXX XXXX keeps adjusting the date, re-aging the account, which is illegal and Equifax supports this creditor in its illegal practices.
Consumer complaint received 2022-05-22
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. (CA)

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish account without my written instructions 15USC 1663 : A creditor may not treat payment on a credit card under any open end consumer credit plan as late for any purpose.
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  Account XXXX, XXXX XXXX Account XXXX, XXXX Account XXXX, XXXX XXXX  XXXX Account XXXX, XXXX XXXX XXXX  Account XXXX, XXXX XXXX  Account XXXX, XXXX Account XXXX, XXXX XXXX Account XXXX, XXXX  XXXX Account XXXX, XXXX XXXX XXXX Docket Number 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 2022-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/2022, I mailed a letter to Goldman Sachs Bank including police report and FTC report stating that a credit card was opened in my name and added to my credit report on XX/XX/2022. The account name being APPLE CARD - GS BANK USA. I have yet to receive a response from Goldman Sachs and it has been more than 30 days. According to federal law, they must have responded to my original inquiry within 30 days of receiving the original letter and so I am now requesting that this account be cleared from my report and cleared with the bank, again due to identity theft. I am uploading copies of the police report, FTC report and original mailed statement.
Consumer complaint received 2022-08-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (PA)

On XX/XX/2022, I transferred {$300.00} to my Venmo account. Venmo then transferred it all plus fees to an old unused bank account without my consent. After fees, they transferred {$290.00}. I contacted Venmo and they said I made the transfer, but in fact I did not. I contacted my bank and they stated they had returned the money back to Venmo on XX/XX/2022. The money is still not in my Venmo account and no associate can help. They simply said nothing can be done. This is theft. The bank confirmed once again they sent the money back on XX/XX/2022, but Venmo will not contact the bank or provide my money.
Consumer complaint received 2022-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (FL)

XXXX/XXXX/122 i received an email from chime stating that my account was temporarily closed. I was asked to provide documents and pictures of me to verify my identity. I provided Everything they wanted. they gave me specific time to wait for them to respond back. Each and every time they took longer than stated on the email i received. i even begged them to look into my case because i have children and we are currently going through financial hardship and needed to pay a hotel. i have no money to feed them and i lost my recently. i tried to get atleast XXXX to pay the rest of the valance for a room and they could not help. i lost time money and my family in a short time because Chime refuses to unlock my account. Now i begging you to help me.