davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-28
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 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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (NJ)

I found 2 transactions that were made without my knowledge. Transaction date : XX/XX/2022, amount XXXX $ and transaction date : XX/XX/2022, amount XXXX XXXX Both from XXXX XXXX 
I immediately notified Barclay of this fraud on my Frontier master card. After the second try, they returned the money to my credit account and said they would investigate these transactions with the merchant. and after 2 months I received two letters in one envelope. The first letter says that the fraud investigation was completed and I am not responsible for fraudulent activity but another letter says : we have completed our investigation and have determined the activity is valid based on documentation provided by the merchant. When I called and asked what does it mean? Answer is : they know the name of these swindler passengers : XXXX XXXX and XXXX XXXX XXXX, but instead of continuing the investigation and catching these frauds and putting them in prison they told me that since these frauds put my old address in billing information they decided that these people were potentially related to me. Im so upset, Im not feel protected and frustrated I feel that the Barclay company is not on my side, but on the side of fraudsters. if fraudsters were able to steal my personal information and credit cards information, this is not big news, that they can easily find out the addresses that are related to me in public records and this can not be proof that they are related to me. And for real investigators, who want to solve this problem it should be success when they know the name of person. I didnt do anything wrong, I did my payments on time, I use credit card appropriately, I never lost my card or gave to another person!
Consumer complaint received 2022-06-28
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)

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the rights to privacy. 

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NY)

I am in the middle of applying for a mortgage. It was reported on my credit report a debt that hadn't been aware of from Citi Bank. I contacted the bank and they said the debt was past the statute of limitations and I can only make a voluntary payment. I begged them to make a payment over the phone but they said I can only pay with a cashiers check to a facility in XXXX KY. It was very hard for me, but I put together the money for a full payment. I overnighted a cashiers check together with a letter of my ss # and a request for it to be expedited. I had the package tracked and on my end I see that it was received XXXX AM on XX/XX/22. I called numerous times and after many hold times and even getting hung up on by a representative, they gave vague responses " that it is probably in middle of processing '' or that " it takes time for it to post and update.. '' I contacted XXXX bank who issued the check and although the money had been debited from my account at the time of purchase, XXXX bank told me that as of today XX/XX/22 the money has still not been deposited by Citi bank . I spoke to many reps and they all claimed that they have no way to contact the facility that processes the payments. 
Then the reps told me that even after the payment posts I will have to wait another 15 days for the check to clear before they give me a paid in full XXXX balance letter as per company policy, I told them that if they require a bank check there is no processing time, but was just told that is the bank 's policy.. 
I'm under contract to buy a house my deadline is approaching and I need this matter resolved ASAP that I can show the loan officer that I paid in full. The reps contradicted each other one told me that I should send in another payment others told me that it takes time to process. 
They reported the debt I expect them to be fair, I tried to make a phone payment, I tried to send in a payment..
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

XXXX XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX  Finance XX/XX/22, XX/XX/22, XX/XX/22 XXXX XX/XX/22, XX/XX/22, XX/XX/22 XXXX Bank XX/XX/22 Credit XXXX  XX/XX/22, XX/XX/22 XXXX XXXX Bank XX/XX/22 I called and addressed the inquiries to the companies. The inquiries were not authorized by me.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (OH)

I just filed a complaint with I.C. System, Inc. on XX/XX/XXXX to XXXX XXXX for their illegal way of collecting a debt. I acknowledged how they never called me and they never sent anything in writing to me yet they placed three negative marks on my credit ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also indicated in complaint # XXXX for this company to NOT call me, but to send the debt information in writing so that I could verify the debt, and pay it if valid. I received a call on XX/XX/XXXX at XXXX from this company. I couldn't answer at the time, but called back at XXXX and verified it was this company. I stressed how I told them NOT to call me, but to send everything in writing. 

I am unsure who this company is, but blatantly ignoring codes/ rules and consumer 's preference of no call, but send letter is COMPLETELY UNACCEPTABLE. I will continue filing to notify XXXX XXXX about the unethical business practices of this company as this needs to be brought to your attention. I am not ok with what is currently taking place.
Consumer complaint received 2022-09-21
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. (PA)

I am a Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. VIOLATIONS from XXXX, XXXX & EQUIFAX see attached ;
Consumer complaint received 2023-03-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I was doing a refi with Wells Fargo when the interest rates were low. I already have my loan with them. It took them 6 months to do my refinance. They then declined my loan. I have perfect credit and income. I am a single XXXX  that lives in a XXXX  development in XXXX XXXX. They would not even give me my appraisal refund back. I do have documents and emails from all my correspondence. It was to late to go to another lender because interest rates went up.
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

Account through chase. I was scammed or victim of fraud, a total of {$2000.00}. Two separate XXXX dollar transactions on XX/XX/XXXX and XXXX. I was trying to buy a monocular online through a site called XXXX. Once the money was sent the person XXXX XXXX then he kept telling me something happened or a bunch of excuses and he couldn't send. I started looking into his feedback on the website and realized he had set XXXX fake accounts to make his profile look honest but they were all fake and found the same item/ pictures for that same item on sale 8 months prior under a different profile name and that profile was shut down for suspicious activity. I filed a police report and notified the bank of the issue as soon as these things were brought to my attention. After trying numerous times to get my banks help on this to try and recover some of the losses they have not helped or tried assisting me in this at all so far. Police report # XXXX. If additional information is needed I have all the proof documented in email form upon request. I have a lot more evidence in email form but this site is limiting me to the file size I can upload but I can provide everything upon request.
Consumer complaint received 2022-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST HORIZON BANK (TN)

XXXX  XXXX bank card wont work and was flagged for fraud but all the transactions were legit. I spend 3 hours calling the bank and no one seems to know how XXXX  XXXX to get the card unflagged. I need the card to work if it is supposed to not keep wasting time calling XXXX XXXX XXXX after another.
Consumer complaint received 2022-09-21
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: Affirm Holdings, Inc (CA)

According to Section XXXX of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports XXXX XXXXXXXX XXXX XXXXXXXX In general. Subject to subsection ( XXXX ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : Therefore, in accordance with XXXX ( XXXX ) of the debt collection practices act, which clearly states that any information know to be false, can not be reported to any credit bureau XXXX I request that you immediately delete this information from my credit reports. 


XXXX XXXX XXXX XXXX  XXXX, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec. XXXX { b } that your claim is disputed and validation is requested
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, i received XXXX letters dated XX/XX/XXXX, from my Wells Fargo Bank that as of XX/XX/XXXX, they are closing my accounts. I called the phone # on the letter and after an hour and a half hold, the lady that I talked to said " that she could not tell me the reason '' and " that it was a business decision on the part of Wells Fargo ''. I was very upset, so i went to the bank and talked to the Branch Manager of the XXXX, XXXX. branch, XXXX XXXX. He essentially said the same thing, but he did try to call the same # that I did, and was on hold forever. I am a XXXX XXXX XXXX man who has been with that bank for over 45 years, and have an outstanding history of banking with them, and have lived thru over 4 transitions of other banks buying out the others. I also have extremely good credit with all three credit firms and am still working full time for XXXX XXXX of 47 years next month. This is very upsetting as Wells Fargo will not tell me their reason for this and says in the letter that " all decisions are final ''. I am devistated to think that I have to start over with another bank, after all these years and excelent history. I am asking your help into this matter. Sincerely, XXXX XXXX.
Consumer complaint received 2022-06-07
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. (NJ)

I have sent multiple disputes to the 3 majoXXXX credit bureau requesting to have my credit file corrected from all inaccuracy. 

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 an account without my written instruction. 

Reporting a debt as charged off, when it was settled or paid off. 

Reporting late payments when your payments were timely. 

Reporting old debts as new ones. 

Reporting that an account was active after it was voluntarily closed by a consumer. 

Inaccurate statement of balance due. 

Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2022 I sent Wells Fargo Auto a letter they requested in order to remove a hard inquiry they made on my credit. I initially disputed the hard inquiry in XX/XX/2022 when they sent me a letter stating they ran my credit. Application # XXXX. On XX/XX/2022 after not receiving any acknowledgement of my request I sent a certified letter disputing the hard inquiry, On XX/XX/2022 I finally received a response stating they would not remove the inquiry. On XX/XX/2022 I received another letter after filing a complaint with CFPB requesting documentation from the dealership stating the credit application was processed in error. Case # XXXX. I have submitted the letter from the dealership and they still have not removed the hard inquiry. Letter was submitted directly to XXXXXXXX XXXX XXXX  the XXXX XXXX Management Office In regards to XXXX XXXX XXXX XXXX, Ref # XXXX, I have not received any acknowledgement they received the letter from the dealership nor have they removed the hard inquiry. 

The dealership letter was sent to both companies with their respective case numbers and neither have removed the hard inquiries. 

Also, I did request documentation showing my signature on supposed credit application and neither produced anything with my signature which violates my rights under the credit reporting act.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Hi I am submitting this XXXX XXXX XXXXXXXX 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 XXXX has me at a score around XXXX. 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (PA)

I had an account at PNC Bank with a {$200.00} balance. I had never received a fee on this account. I never received any mail or any communications from PNC. All of a sudden, I received a statement that shows my {$200.00} balance along with two {$7.00} fee withdrawals for having a low balance for a total of {$14.00}. I received no notification to the fact that PNC would start to withdrawal a XXXX XXXX  monthly fee due to my low balance. I called and the rep was not able to refund the fees. I was escalated to an " executive team member '' who showed no empathy for my situation and was not willing to do anything to help me. She acted like she was listening to me but she was just checking the box by having the conversation with me. In my opinion, this is simply PNC 's way of bleeding accounts so that they don't have to do extra work when accounts become dormant and or escheat.
Consumer complaint received 2022-06-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Albert Corporation (MA)

XXXX XXXX XXXX has scoffed off with 6 months of my social security XXXX income by locking me out of account so I cant report disputes, cancel card on account, see anything account information except for the diwindling balance disappear and myself not able to eat or pay rent or anything all my government funding gone and only way to contact them is by email that you send over and over but no response or resolutions of any kind how to I even close such fraudulent accounts?
Consumer complaint received 2022-11-30
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: ADIR INTERNATIONAL LLC (NV)

For the last few months I have been disputing this account ( CURACAO ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now CURACAO is reporting three different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside CURACAO be held responsible far as making correction to my account.
Consumer complaint received 2016-10-28
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: Brelvis Consulting, LLC (NC)

In XXXX, I had inquired about consolidating my student loans with The Student Loan Help Center. My student loans had went to default and i was afraid that I wouldnt be able to get them out of default. So i called this company The Student Loan Help Center. They made me feel like they were going to help me get my student loans out of default. They ask for a payment upfront of XXXX dollars. I didnt have all of it at the initial conversation. So i paid XXXX dollars intially and setup XXXX payments for 2 months of XXXX dollars. I was very hesitant about giving them the money. But, they reassured me that if i was not happy with the service i would get my money back. I realized later on in the month that i was dealing with XXXX companies. They had to send my information to another company for processing. So which that would make them a 3rd party. So, periodically I would call The Student Loan Help Center to check on the status of the consolidation process. But, everytime I call they would tell me that everything was going fine and i should hear something back in XXXX. But, that was not true, it was not okay, because they sent me a letter XXXX XXXX, 2016, stating that the consolidation process needs to be reinstated please contact their office. So when i spoke to their Representative XXXX, he had to put me on a conference call with XXXX XXXX. I was angry that they did not let me know that this had happened. I done some research and found that my consolidation has been this way since XXXX. They never thought about notifying me about this matter. The Representative lied to me about this matter. I also had a chance to speak with a Manager XXXX, today he was very arrogant and threaten to take me to collections if i canceled with them. I asked them to provide me with a invoice copy of services. In which would in detail explain what the money was used for. He quickly explained that they do not have to provide that statement to me. I really felt like i got taken advantage of. I would really like to have this company investigated for fraudulent activity and obtaining documents without having a license to do so.