davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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)

On XX/XX/XXXX I made a payment of {$500.00} to XXXX XXXX to bring my balance down to {$3200.00}. On XX/XX/XXXX after I made that payment XXXX XXXX reported I made an {$140.00} payment for the XX/XX/XXXX payment. It also still says my last payment was XX/XX/XXXX. I called XXXX XXXX and was told a ticket would be sent. I called back days later and was told there was never a ticket created and that I have to dispute the information with the credit bureaus. I disputed the information with XXXX on XX/XX/XXXX and XXXX XXXX LIED to XXXX stating I only made a payment of {$140.00} and my balance increased. On XX/XX/XXXX XXXX XXXX reports to XXXX that the original information they reported was incorrect which is not true. I have proof on their provided statement that the balance is now {$3200.00}. I filed other dispute with Equifax on XX/XX/XXXX XXXX XXXX again lies and tells them the information currently on there is correct. I have called XXXX XXXX multiple times are every time I am told there back office handles that and there is nothing they can do. I have to keep filing disputes. I filed another dispute on XX/XX/XXXX with Equifax and they still refuse to update my balance. I filed another dispute with XXXX on XX/XX/XXXX and that is pending. I just got off the phone with XXXX XXXX and now I was told I need to send them a request to have this looked at and it could take 30 days.
Consumer complaint received 2022-10-21
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below : XXXX XXXX XXXX Balance : {$3100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$620.00}
Consumer complaint received 2022-04-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

I have had my Wells Fargo XXXX payments automatically deducted from my credit union account for years. When COVID hit, Wells Fargo stopped automated deductions from the account for many, many months. Given this, I assumed something was wrong with the automated debit agreement, but did not have time to address it. Since I am a responsible credit consumer, I continued to make payments on my HELOC on time on my own through Wells Fargo 's website. During this time, I stopped funding the credit union account to cover my automated debits. In XX/XX/XXXX, Wells Fargo resumed making automated debits from the same credit union account without notice or warning. Since the account was not funded, it overdrew my credit union account. I assumed responsibility for this since I had an automated debit in place. However, since my payment behaviors had changed, I did not want Wells Fargo to continue automated debits from this account. I continued to make on-time payments on my own through their website. I took further action to prevent future debits from that account by removing that same credit union account from my Wells Fargo profile where I listed checking bank accounts I use to submit payments to Wells Fargo. In doing so, I assumed that I was removing permission from Wells Fargo to ever access that account again, thereby protecting myself from future credit union account overdraws. However, in XX/XX/XXXX, Wells Fargo used that same account to make an automated payment. On XX/XX/XXXX, I spoke with Wells Fargo, explaining all the above and requested them to never again use my credit union account. I further requested a refund of {$58.00} to cover XXXX NSF fees issued by my credit union for the XXXX attempts Wells Fargo made to withdraw funds on XX/XX/XXXX and XX/XX/XXXX. When they declined, I asked to speak to a supervisor. I was put in touch with XXXX XXXX, who promised a resolution within 3-5 business days. When I had not heard from her, I placed another call to Wells Fargo on XX/XX/XXXX with a promise on an answer to refund those fees within the next 1-2 business days. I have not heard anything more to date.
Consumer complaint received 2022-10-21
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under USC 1681. 


Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : TEXAS ATTORNEY GENERAL OFFICE : XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX XXXX All accounts listed has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other thank records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is Inaccurate.
Consumer complaint received 2022-10-21
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)

This is my 2nd 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 Balance : {$0.00} ; XXXX SELF-REPORTED XXXX Balance : {$35.00} ; XXXX SELF-REPORTED XXXX Balance : {$20.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-21
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. (CA)

My Equifax disputed accounts are sent back as verified and are entirely inaccurate, incomplete and represent very serious errors in their reporting. Company is in violation of 15 U.S.C. 1681. XXXX required under the FCRA to have properly verified the accuracy of accounts listed on my credit report with physical documents. Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that Equifax cant just verify my accounts by telling me they are verified. Nor can Equifax verify my accounts by telling me to contact the creditor of the accounts I disputed as Verified. This means that IF Equifax cant send me proof of these accounts from THEIR COMPANY, it must come off. All in all, Equifax has ignored my request to provided me with the documents that it has in their files that Equifax used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to ... promptly delete all information which can not be verified. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section 609. XXXX XXXX XXXX Account XXXX This account needs to be removed IMMEDIATELY via FCRA section XXXX. Equifax fails to comply with federal regulations by credit reporting agencies. Equifax is guilty of : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Thank you, XXXX XXXX
Consumer complaint received 2022-10-21
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. (CA)

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. I am worn-out of sending dispute letters to Equifax requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-21
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. (CA)

I discovered that the account on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX Balance : {$260000.00}
Consumer complaint received 2022-10-21
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report an XXXX letters last XX/XX/XXXX, XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2022-10-21
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$360.00} Charge-off : XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX Date of inquiry:XX/XX/XXXX XXXX XXXX XXXX Date of inquiry:XX/XX/XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry:XX/XX/XXXX
Consumer complaint received 2022-10-21
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. (OH)

Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with Equifax, XXXX, and XXXX. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB XXXX, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.
Consumer complaint received 2022-04-04
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)

According to 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. This is my 2nd attempt reaching out to the bureaus making corrections to updating my personal information. Please remove all addresses EXCEPT current address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-04
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2016-11-09
Product: Bank account or service — (CD) Certificate of deposit
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (GA)

I was included in the XXXX VS Wells Fargo Settlement. I received XXXX checks for {$110.00}. As soon as I received the checks I went to my local Wells Fargo branch and asked where the checks valid. I was told yes and deposited the checks in my account and to have the checks returned - as refer to maker and charged XXXX return check fees. I called the Wells Fargo customer service number and they said the could not explain and to take the checks back in the local branch. It took over an hour in the branch for the rep ( who was the same rep that I asked if the checks were valid in the 1st place ) to figure out that the check was cut a date from XXXX was and said void if not negotiated in 65 days of issue. She gave me a number to call to have the checks re cut- I called and they say they can not re cut the checks - even tho I just received the checks.Well after the 65 day time frame.
Consumer complaint received 2022-04-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

This email pertains to the inquiry and explanation of case numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/2022 we were informed by mail of an unauthorized transaction of 3 times {$1000.00} on a debit card that we have never asked nor did we receive. The hackers also managed had open an account under our names,. We called the bank immediately and told the agent that the new account was not initiated by neither of us and elucidated and stressed that we have not had a joint debit card for several years.. We requested the bank to close the hacked account account and pleaded to the agent to ask the bank to be more diligent and set up an automatic notification of any activities on our accounts in entirety and avoid further unauthorized transactions. She acknowledge and promised to do that immediately. 
The situation got more daunting 2 days later as we were monitoring our accounts and realized that 3 more fraudulent withdrawals were made from our different accounts to the same XXXX account for a total of {$22000.00} ( {$700000.00} + XXXX + XXXX ). 

. This continuous issues has been beyond stressful and we are so frustrated with the banks lack of due diligence and protection. To further complicate this situation we just received a letter today regarding claim # XXXX that our disputed unauthorized transactions on the debit card was declined. We find this decision insulting and beyond appalling and feel extremely disappointed with the management of our account and the manner it is being conducted. We are expecting for a professional resolution and thorough investigation of this dire issue from Wells Fargo. We clearly know our rights and if need be we would hire legal assistance to help recovering our lost funds which has happened simply due to the bank 's negligence and lack of security protection. 

We have been loyal customers of Wells Fargo bank for more than a decade with average daily deposit of several hundred thousand dollars. 

Please let us know about your due diligence about this matter as soon as your investigation is completed. 
Attached is the the letter of denied rights. ( a total insult ). Basically meaning that we are involved in fraudulent activities, we do not take this lightly. 
Disappointed that the bank has leaked our information. 

Sincerely
Consumer complaint received 2022-10-21
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. (NV)

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 stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus 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 remove these files. XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX XXXX XXXX NV XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$19000.00} XXXX XXXX : {$4800.00} XXXX XXXX XXXX  XXXX : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$890.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$740.00} XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 2022-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (GA)

I paid this off, discover credit card ya dig, and they still wan na kick me down when I'm trying to get up n even advance myself as a XXXX man or lowercase XXXX. They have given nothing but discombobulating answers to my questions as of why I paid but they won't take this off of my credit report. 
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