davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-12-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

I was late 3 days on a payment and as a result Wells Fargo did not apply payment to my HELOC. No attempt was made to call me until late XXXX at which point the account was past due and late fees where added. Had WELLS FARGO atempted to call me the payment of {$130.00} would have been taken care of. I deposited {$150.00} to be taken out automatically like always that check cleared my bank account on XXXX/XXXX/2016 .The overdraft fees and late fees blew my payment up over {$40.00}.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Last four social : XXXX XX/XX/year> To Whom it may concern, I am writing to dispute inaccurate information on my credit report. After reviewing my credit report, I noticed that there is an account listed that contains erroneous information. The account details are as follows : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Upon thorough examination of this account, I have determined that the information reported is inaccurate. The account mentioned above has an inaccurate balance, monthly payment, and original balance. ( See attachment ) Therefore, this erroneous entry must be promptly removed from my credit report to ensure the accuracy of my credit history. I request that you investigate this matter and take appropriate action to delete the inaccurate account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information on my credit report, and it is your responsibility as a credit reporting agency to ensure the validity and accuracy of the information you report. 

Enclosed with this letter are copies of documents supporting my claim. I kindly ask that you investigate this matter and notify me of the results of your investigation within the time frame mandated by law. Additionally, please provide me with a copy of my updated credit report once the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I trust that you will handle this dispute efficiently and accurately. 

Thanks, XXXX
Consumer complaint received 2017-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I obtained a loan for the purchase of my home through Citizen 's Bank. I was initially told verbally I would have no points associated with my loan. On documentation ( commitment letter ) leading up to the closing I had points listed. I had contacted the mortgage company stating they had previously stated I would have no points which they again verbally confirmed and I had them confirm via email as well. On my closing date, XX/XX/2016, while reviewing my closing cost details with my attorney, under the heading " Loan costs '' was a charge of {$260.00} labeled " 0.125 % of loan amount ( points ) ''. My attorney contacted my mortgage broker, XXXX XXXX, who stated it was an error which they would rectify via check after closing. My attorney advised to continue with the closing versus correcting the documentation first because we were already 3-4 weeks past the initial closing date. Three months later, and i 've been told for the past 1-2 months the " check is being processed ''. I was advised by my attorney to file a complaint. This is my formal complaint.
Consumer complaint received 2024-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (AL)

I have settled the debt with XXXX XXXX XXXX and they have agreed to request that the trade line be removed off of my reports with in 60-90 days and I am asking that the trade line be removed immediately off of my report. The person that I was working with was XXXX and please see the attachments below.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-10-04
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)

I disputed my personal information before. I also sent my drivers license before as requested. I keep getting name change and address change alerts from XXXX XXXX. It stated last week, that my correct address was removed and another address was added. Which was incorrrect? I only have one last name ans always have which is ( XXXX ).
Consumer complaint received 2016-09-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (GA)

I received a debit card from Wells Fargo that I did not request. I called customer service. They told me it was probably a mistake and to cut the card. After seeing the news I realized they purposely opened the account without my authorization. I still have the card. It has never been used nor activated. I contacted Wells Fargo 2 days ago but have yet to hear from them.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report
by more than seven years.

15 U.S.C. 1681s-2 ( 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 2021-04-22
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. (SC)

date XX/XX/14 looking at my credit report you are reporting inaccurate information from XXXX. 1st you are listing this account as a CHARGE OFF not a repossession which is a violation. 2nd the high balance isnt the same balance. XXXX/XXXX  is reporting {$21000.00} and Equifax is reporting {$4600.00}. if you all are getting the information from the same collector why are the numbers different? 
this needs to be deleted off all 3 of my credit reports immediately. Also after numerous times of asking a representative they could never VALIDATE this inaccurate debt. 

plz see attachment below
Consumer complaint received 2020-05-11
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: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Rushmore Loan Management Services reported my forbearance agreement to the credit reporting services. I believe the Cares Act prohibits this reporting? 

I was current in good standing before our agreement entered into on XX/XX/20.
Consumer complaint received 2024-03-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (KS)

On XX/XX/XXXX, I received a debt collection bill from TSI regarding a medical debt way back from XX/XX/XXXX. This medical debt is not mine and it may be a result of ID theft. Ever since XXXX, our family have been a low-income family with Medicaid and food stamp assistance from the state. With 0 copay Medicaid, the medical debt could never occur because XXXX would cover everything. In addition, I have never been to hospital for any emergency for over 10 years. I have no idea who they saw in the hospital and I have no idea why the bill comes due 4 years later. Anyway, my family doctor and the XXXX  can testify for me that I have been using the Medicaid with no copay ever since XX/XX/XXXX. XXXX XXXX card and records can also prove that we have been using Medicaid from XXXX. Ultimately, the attached letter from XXXX and people in XXXX department can testify for us that we have been a low income family with Medicaid and food stamp ever since XXXX. In addition, we have been using WIC for low income family ever since XXXX. Also, we just renewed our Medicaid this year. Nothing to be proud of, but we think it is solid proof that the debt can not be mine because I have Medicaid with no copay. With that, medical care would come with no cost if I present my insurance card or my benefit letter. Or I can even claim it later with XXXX. There is no reason I would not use Medicaid and bite the bullet to pay the bill. It would not help me and my financial situation. In brief, this medical debt is not mine because I have Medicaid with no copay and I have never been to a XXXX emergency for over 10 years. 

When I contacted the collection company, they kept insisted that the debt is mine and they showed no interest in working together for a fair solution. Please help us out with resolving this unfair debt. With our current low income, this can create a difficulty in our financial situation.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

This is a brand new dispute. 
Portfolio Recovery is in direct violation of FCRA Section6802 ( a ) Except as otherwise provided in subchapter a financial institution may not, directly ot through any affiliate disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title ( b ) the consumer is given the opportunity before the time that such time information is initially disclosed, to direct that such information not be disclosed to such third party : and ( c the consumer given an explanation of how consumer can excercise that non disclosure option by reporting negative infomation without notificationand consent of the consumer. Portfolio Recovery failed to Inform Principal that it would be reporting Principals non public personal information to a third party and failed to get Principals Permissable Purpose. 15 U.S.C. 1681 ( a ) ( 2 ) Exclusions Except as provided in paragraph ( 3 ) the term consumer does not include ( i ) report containing information solely as to transaction and experiences between the consumer and the person making the report. 
Portfolio Recovery # XXXX is reporting the tradeline on my credit ( s ) unlawfully regarding transactions and experiences violating principals and rights under the FCRA and could be held for Fair Debt Collection Practices Act as well because I will attest in a Court of Law that I never had an account with XXXX and I am demanding that all negative non public personal information, transactions and experiences be removed from my credit reports ( s ) immediately under the afore consumer mentioned rights and laws.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (FL)

I 've made a wire transfer with the amount of {$35000.00} XXXX from my bank account to a cryptocurrency exchange XXXX and my deposit was not posted on their website or returned to my bank account as promised. I made the transfer on the XXXX of XXXX XXXX. They said it would take XXXX business day on their website for the deposit to be posted. XXXX days later I opened a support ticket on their website since the deposit have n't posted yet, after XXXX  days they email me back with an general reply that my deposit would either be posted in XXXX business days or will be return within XXXX business days to my originated bank account if there is a problem. Since it 's the XXXX of XXXX XXXX, XXXX business days without any reply from them. Please help me out since I ca n't even reach anyone on their support team both by phone or by email. 
Transfer amount : {$35000.00} Wire tracking Number : XXXX My email : XXXXXXXXXXXX
Consumer complaint received 2015-06-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I closed my home equity line a month ago. I went to the local branch in XXXX XXXX Florida and signed all the papers to close the loan and paid it off at that time. There was certainly no issue to cash my check. Bank of America is now send letters to me and threatening to charge me {$1000.00} for flood insurance on a loan I no longer have.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CO)

XX/XX/XXXX I was set up with an interview for work with XXXX XXXX XXXX. XXXX XXXX emailed me for interview and to take interview with XXXX XXXX on XXXX. After interview XX/XX/XXXX I was sent a job offer from them to work for XXXX XXXX XXXX. On XX/XX/XXXX the first day I was sent checks to deposit in my personal account. I didnt want to do it but because it was for the company I decided to deposit for equipment what was asked. XXXX sent me 2 {$1500.00} checks to deposit. I direct deposit into my US Bank account and they ok by putting {$220.00} available under my account while 2 checks are pending. I tell XXXX whats available and she tells me this vendors number and to send this XXXX as payment for equipment. She says to message him the {$220.00}. I thought its something Ive never done, again for the company I then set up XXXX XXXX XXXX {$220.00} then send it to vendor XXXX ( XXXX ) XXXX. XX/XX/XXXX The next day I get a hold on my US Bank account. They tell me because of checks. I send this info to XXXX and she tells me XXXX send a code to US Bank for approval. Following day I contact US Bank they say these checks are fraud and my account will be closed. I ask them I truly need account for unemployment and taxes refunds. The tell me to go into US Bank talk to Branch Manager and explain. I start talking to Branch XXXX XXXX XXXX XXXX about my situation he says XXXX email corporate about how my account needs to be activated cause Ive had my US Bank account for 15 years, never any negative situations occur. 3 days later I was told to pay {$220.00} in my account to get it to be activated again. I had XXXX $ in my account so I brought XXXX to activate account. XX/XX/XXXX My account becomes active and I order a new card so I can use my account like normal. The only thing I worry about now is my US Bank Mobile App is still on hold until they reset but because of fraud checks it put risks where online banking I have holds or thoughts of this situation. I was told to contact XXXX for return of {$220.00} to resolve this situation and get money I lost back. Ive emailed XXXX about this and they emailed back this is a scam that they dont do business here in the US . I sent them all info about this and asked for help. They havent replied back.
Consumer complaint received 2016-07-07
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (IL)

I have been trying to obtain a modification of my loan with Wells Fargo since XXXX. I am a nurse who lost her job during the recession In XXXX I started working again but Wells Fargo denied my modification because they said my income was too low. My income has approved and late XXXX they approved a modification but the payment was almost the same as my previous payment of {$3900.00}. Wells Fargo tells me that the investor only allows XXXX try at a modification. My house is set for sale XXXX XXXX. I look at my modification attempt in late XXXX as a continuing XXXX because the previous amount was too high. We could not afford it. We could afford {$3000.00}
Consumer complaint received 2024-03-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Sezzle Inc. (OH)

I opened up an account today with sezzle. It was initially " approved ''. They verified my banking information and approved me for a spending amount. However, when I attempted to place an order I received an error saying they couldn't verify my identity, so I could not proceed with my order. 

About 2 hours after that, they still deducted a micro amount from my checking account. How is it they " can't verify my identity '', but can take money out my account? This is very perplexing. You approve me, make me go thru all of the necessary criteria, give me a spending limit, then say you don't know who I am. 

I reached out for answers, to no avail. After that, I closed my account due to not being able to utilize it since my identity is a conundrum to them.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC (NC)

These accounts are reporting inaccurate on my profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX A collection was reported XXXX the XXXX in regards XXXX XXXX XXXX {$10000.00} I immediately contacted the creditor and notified them of fraud. I never had a mortgage account or loan with this company and the creditor said that it could be due to inaccurate social and in order for him to remove it I would have to pay {$200.00} to dispute with their company. This debt is not mine and I want it removed from my credit report.
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MA)

I tried to dispute a fraud charge on my XXXX XXXX Wells Fargo credit card and the bank even allows the unauthorized transaction happened over my limitation. Never got any notification ( text, call, nor email ). And its almost my payment date and they r asking me to pay the whole amount of it will hurt my credit score. However, from what I learnt from other banks they will lock the fraud transaction and I dont need to pay it until the case was solved and it wont hurt my credit score. Wells Fargo just ignore my question and hoping I pay all of the amount ( the amount above my limitation ) and their service people are rude and un-trained
Consumer complaint received 2024-02-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation (PA)

On XX/XX/year> I reviewed my consumer report and I noticed some fraudulent and inaccurate information being furnished by BRIDGECREST FORMERLY XXXX I do not know where this account came from. I have never consented to a consumer credit transaction with this corporation the grants them the right to have my personal information. I never received anything informing me of this alleged debt. According to 15 USC 1692g validation of this debt is required furthermore 15 USC 1692f states that unfair practices are a violation of my consumer rights. I have never received any evidence of indebtedness and the information being furnished is inaccurate the dates don't match up across all 3 major consumer reporting agencies XXXX, XXXX, XXXX and according to 15 USC 1681e ( b ) accuracy in a consumer report is required by federal law. I have attached my identity theft report along with a picture of my consumer report to help prove my case. The account status is charged off however there is still a balance being reported which again is inaccurate. If the account was charged off as a profit and loss account for this creditor why is a balance still listed the overall account is inconsistent.