davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/21 I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I haven't received a response yet. I feel like my disputes are being ignored and I am being taken advantage of. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has now been over 60 days, so the items should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2022-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

In XXXX of XXXX I opened a chase savings account. I made a deposit of over $ XXXX. Ive estimated that im responsible for about $ XXXX that was accessed by myself. Ive tried to handle this with J.P. Morgan chase to which a representative told me that $ XXXX was actually taken, I then received a credit to my account of about $ XXXX. Thats not what was taken at all. Chase was responsible when I was not informed of suspicious activity on my account. For months they let transfers and charges and withdrawals that I did not and would not authorize.
Consumer complaint received 2022-04-10
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. (NY)

Account Name : 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, 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 2022-07-29
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. (NY)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some accounts that are not mine. These accounts have never been opened by me or with my permission. I need your assistance to stop these accounts from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any accounts mentioned in an identity theft report. To aid with the blocking of the fraudulent accounts that were discovered on my report, I have included some documents. 
XXXXXXXX XXXXXXXX  XXXX Balance Owed : {$8800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$42000.00} XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX Balance Owed : {$5500.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Balance Owed : {$2200.00}
Consumer complaint received 2022-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (CA)

Marcus by Goldman Sachs has effectively prevented me from accessing my approximately XXXX They do not deserve FDIC approval!! On a Monday i tried in vain for hours to transfer money to my brokerage account at XXXX XXXX to pay for treasuries i was buying. I received error messages online repeatedly trying to link account thru XXXX, their software. Nothing but we cant cOnnect to your bankso I called them, rep took all info and also failed repeatedly to complete transfer or linking either. I then tried initiating the linking at XXXX  end. Days passed, nothing. I have never had such problems getting my money from one institution to another like this with NO ACCOUNTABILITY WHATSOEVER!!! I called Marcus, again went thru almost hour of useless attempts, finally rep said after i was on hold for 25 min that i can t link to a brokerage account!! Then why did previous phone rep Waste my time trying!!! 
Next I tried to link to my only bank, XXXX ( XXXX ) - again both online and phone rep failed after countless attempts!!!! I said how the hell do i get my money out???? She suggested mailing me a check for the XXXX!!!! Mail??? I said are u kidding???? I am going into the hospital on tuesday and ill be damned if I have to worry about you XXXX  mailing me a check for XXXX. I called XXXX  for help -they said they should have offered to wire it. I called Marcus back, ordered wire, four days later and umpteem phone calls, no wire transfer, no communication about it, no in formation when i call repeatedly to inquire whatthe XXXX is going on. NOTHING!!! I am XXXX yrs old and i have nearly had a XXXX XXXX from these XXXX  criminals witholding my needed funds most especially when they advertise no such things as refusing to let customers have their money!!!! I will get justice if it is the last thing i do on this earth. FDIC???? How on earth????
Consumer complaint received 2022-10-07
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (GA)

Received the following text although I do not bank with Wells Fargo. Seems and obvious phishing attempt and should be stopped. Text from XXXX ( XXXX ) XXXX. 

WellsFargo : Debit Alert. AcXXXX Blocked Due To Recent Trans. Visit www.wells-groups.com/? wf To Remove BIock
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on Transunion and XXXX and a status of CLOSED on XXXX. There is NO payment history on Transunion, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and XXXX reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. and Texas Statues XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Consumer complaint received 2016-02-06
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC. (CO)

i have a payment arrangement set up with Kay Jewelers, we have been making reduced payments in accordance with the arrangement. we have been getting XXXX calls since XX/XX/2016 saying that we have not paid. this information is not true and has been verified with Kay jewelers every time we have spoken with them. Their phone dialer system has called my self and my wife a minute apart and we have spoken with them at the same time and have figured out that the nature of the calls is false. i have repeatedly informed them that if calls continue i will file harassment charges against them. today XXXX/XXXX/16 we have received 4 phone calls back to back from them after hanging up with a representative who has been informed that i am taking action against them
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I closed my Barclays credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.
Consumer complaint received 2022-10-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (FL)

I completed an online application for a {$75000.00} mortgage loan through Rocket Mortgage aka Quicken Loans on XX/XX/22 yet my application was denied because of then given " XXXX XXXX '' XXXX XXXX of XXXX ; wherein XXXX ( the lowest reporting score of the XXXX national credit bureaus ) was used to deny my application. I discussed with a senior advocated for Rocket Mortgage why the low score when other bureaus and models were showing a higher score that would have qualified my application for the loan yet insisted he to has never heard of a " XXXX  XXXX '' scoring. I later called back on XXXX to request a copy of my completed application used in their decision making process but was told there is no application available to provide to me. However ; earlier on that day XXXX a banking agent within Rocket Mortgage stated there was no application or record of me ever applying for a loan with Rocket Mortgage on XX/XX/22 only showing that I had telephoned on XX/XX/22 inquiring about the status of my application. I will conclude that information provided in my application to Rocket Mortgage ( besides the credit bureau and score they used ) was in whole part of their credit decision in denying my loan ... in other words, XXXX XXXX  and XXXX XXXX  my application refusing to provide or produce a copy of my application is a sign of Rocket Mortgage aka Quicken Loans trying to hide their decision making process in denying certain XXXX XXXX XXXX  for loans.
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXXXXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2022-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SYNCHRONY FINANCIAL (NH)

I have had a checking account at XXXX XXXX  XXXX XXXX XXXX XXXX Florida since 2010 my checking account number and pin XXXX XXXX. I have been using my checking account to pay my Amazon XXXX monthly bill using auto-pay from Amazon synchrony Bank whose address is Amazon. XXXX XXXX. this has been working smoothly for 10 years. On XX/XX/XXXX I received a notice from Synchrony Bank that my Amazon store card has been closed down and I may not get another one. I contacted Amazon synchrony and they told me that I must contact XXXX bank which recently merged with XXXX XXXX become truist. XXXX has had numerous customer complaints about funds not being available debit cards not working and all kinds of banking errors. I looked on my synchrony Store card account and discovered that the digits to the last 4 numbers of my checking account were transfer so it didn't say XXXX XXXX any longer it was a different number. Amazon said my payments were being declined. I could not understand this as the account has over {$600000.00} in it. Finally I found the problem and I corrected the payment method by opening a new payment source using the correct checking account number and correct routing number from truist. I can only assume that truist made a digital error or keyboard error in entering my account number when the name of the bank changed. I would like the result of this complaint to be that synchrony accepts that this was a banking error in involving keyboard and not the consumer 's fault.
Consumer complaint received 2022-10-07
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)

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. 

XXXX XXXX # xxxxx 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 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 2022-07-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Figure Technologies, Inc (FL)

My situation is critical, I am a senior, age over XXXX, an American citizen and a victim of a huge scam including my personal savings value of {$90.00} plus my credit card value of XXXX plus two mortgage loans {$57.00} and {$54.00} from Figure Lending company. I was scammed by to men introducing themselves as the government representatives. According to them they were investigating my case advising me to empty my account from the XXXX XXXX and purchase bitcoins as my future protection. After that they have advised me to increase a value of my credit card from {$2.00} to {$10.00}, and applying for two mortage loans, for them to fully succeed of catching a thief ( s ), so I did. I have invested everything to bitcoins machines. They assured me every day, that as soon as their investigate is over the money of my credit card and the money of my loans will be returned, there is no need to worry, they only do their job. Today I know their names were fake, plus their phone numbers we fake as well and money was not returned. Help me please, I am a good person, a widow, who has lost her beloved hubby XXXX years ago and this situation is the second shocking time of my life. I nedd your help so badly.The total scam is {$210.00} XXXX XXXX
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (TX)

Someone has opened a visa in my name ending in XXXX I dont know the bank or card number. This individual used it at Best Buy for over {$900.00} and used another card that Ive already reported.
Consumer complaint received 2022-04-10
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. (SD)

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 right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX XX/XX/XXXX amount, XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Collection opened XX/XX/XXXX States Account is closed and paid in full yet, still reporting on my credit report which is also a violation of my consumer rights. 


As-well as the removal of these inquiry of my credit report. as these have violated my rights of 15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 


XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX BANK Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX XXXX XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions
Consumer complaint received 2022-10-07
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. (FL)

Delete Late payments XXXX XXXX # XXXX from XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states. ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XXXX/XXXX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-10
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 XXXX # XXXX, XXXX # XXXX, XXXX # XXXXXXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-10-07
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (NV)

I received a phone call saying they were with the student loan forgiveness program at about XXXX XXXX today from XXXX. The call said they were with the department of education at first it was a lady that said she just needed to ask a few questions to be sure I would qualify for loan forgiveness she asked me if I owed more than XXXX in student loans I answered yes she asked me if I was still enrolled in school I replied No and she asked me if I was currently working and who with I replied yes and the XXXX XXXX. She said okay I'm going to transfer you to my case manager so then a man got on the phone and he started to tell Me about the loan forgiveness program and I said ok how do I find out if I qualify he said first I need you email address which I gave to him then he asked my date of birth I gave that to him and he said ok thre is a code being sent to you to verify your phone number but I saw in the text it was coming from FSA and knew he was trying to reset my password so before I hung up I told him No that I knew he was trying to reset my password and I would be reporting this to the authorities.