davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-20
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. (DC)

I have submitted multiple complaints against XXXX, Equifax and XXXX. This complaint is in response to XXXX and other complaints I have submitted. I XXXX XXXX XXXX am submitting this complaint on my own behalf. I, XXXX XXXX XXXX am the original creditor in all consumer credit transactions that are listed in the debt base system of the aforementioned credit reporting agencies. I XXXX XXXX XXXX am the credit per the Truth In Lending Act found at 15 USC 1602. The information listed on these reports are ALL inaccurate and false and misleading as I, XXXX XXXX XXXX am the original creditor and each company listed is a debt collector per the Fair Debt Collection Practices Act. Per the Fair Credit Reporting Act I submitted written instructions as the consumer and natural person for items to be removed from my credit report. In addition I sent in a certified letter which all companies did not honor the demand of the consumer and are still in violation of my consumer rights. The first violation is the violation of 15USC 1681a ( 2 ) ( b ) as extensions of credit directly or indirectly should be excluded from the consumer report. To further as mentioned I sent in a certified letter pursuant to 15 USC 1681b ( 2 ) stating my rights that were violated by the credit reporting agencies. In addition each company refers to themselves as Credit Reporting bureaus which is false and misleading as the term bureau means the Consumer Financial Protection Bureau. Lastly there were several items deleted from my XXXX credit report that is direct admission of the company violating my consumer rights and for that I am asking the CFPB to enforce the law. For the violations listed the total invoice amount is {$3000.00}
Consumer complaint received 2021-09-20
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. (PA)

These accounts on my consumer report are unauthorized and are not from me. I also wrote EQUIFAX an identity theft report. EQUIFAX said they have recieved my identity theft report and was takkng these false accounts off my consumer report.
Consumer complaint received 2021-09-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21, fraud was committed on my checking and credit card accounts with Wells Fargo. {$7200.00} was sent via cash advance from the platinum credit card into the checking account. From the checking account, the perpetrator wired the {$7200.00} ( from the credit card ), along with around {$2000.00} ( from my checking ) to another account. A wire transfer fee of {$30.00} was charged to my checking, a {$360.00} cash advance fee & {$61.00} interest charge were charged to my credit card. Charges are still present & fees continue to pile on I reported this to WELLS FARGO on the day that this occurred & communicated that I did NOT authorize any of these transactions. Representative filed a claim and assured me that this issue would be investigated & resolved. Also, I was told that the issue would be addressed and my funds restored within 10 business days. I have called regularly to check in on the status. 

The credit card is still maxed out and Wells Fargo has continued to charge additional fees ( cash advance, interest ). Wells Fargo DID NOT request a verification or confirmation from me for this fraudulent wire transfer. They did not flag the transaction- despite me NEVER wiring money or ever making large amount transactions. They have in the past contacted me to verify unusual or suspicious purchases with small amounts. Yet they did not think a {$9100.00} transfer was unusual??? I trusted them with the safety of my accounts. Ive been an account holder for XXXX years and have paid my bills responsibly, and work hard for the money I earn. My Wells Fargo card, prior to this incident, had a status of ON TIME, NEVER LATE for payments. It also had a {$0.00} balance at the time of this fraudulent transaction. 

Wells Fargo has not assisted in resolving this issue and has not restored the funds that were depleted. Instead they expect me to pay off this overlimit amount on the credit card- that occurred due to fraud and Wells Fargos negligence. 

I have filed a police report, filed a complaint with the XXXX XXXX XXXX  and multiple complaints within Wells Fargo. 

My credit score has gone down XXXX points due to the overlimit balance on the credit card. My checking was almost completely depleted ( the scammers left a whopping {$140.00} out of the {$2000.00} I had in there ). Ive communicated the multiple ways that this incident has negatively impacted my life and Wells Fargo has done NOTHING to resolve this issue. It is XX/XX/XXXX and Ive had to live without use of the funds I thought were safe in the Wells Fargo checking account OR the Wells Fargo credit card that I thought Wells Fargo would make sure was secure.
Consumer complaint received 2022-08-12
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. (NM)

By the provisions of the Fair Credit Reporting Act, I am sending this complaint to request that the following accounts XXXX XXXX XXXX Balance : {$1800.00} ; XXXXXXXX XXXX XXXX Balance : {$430.00} ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. pursuant to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ).
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am writing this due to non-compliance with the credit bureaus ( Equifax, XXXX and XXXX ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.
Consumer complaint received 2021-09-20
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 XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2022-08-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been recording all my transactions going in and out of Bank of America for years. As Ive noticed regardless of payment retrieval wether atm ach or wire transfer. Regardless of the transaction within time to receive on time IT NEVER DOES. Bank of America list of transactions literally has XXXX  transfers from my own account ( before you say its fake ) and its completely not in my deposit list. I have over XXXX  sitting in my account daily, and every other day deposits go missing for days than return. This causes fake bank reporting and is ruining my business as well as my personal life. On numerous occasions I couldnt eat because of this. I plan on going to the news with this because Ive giving BOA 7 years to get it right.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid 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: CITIBANK, N.A. (AL)

Citi Custom Cash is billing me {$790.00} for a transmission/product i never received or are attempting to get me refund from the merchant XXXX XXXX XXXX XXXX. They have failed to reopen the investigation dispute and there customer service is basically ignoring everything i tell them concerning the merchant. I spoke to XXXX XXXX XXXX XXXX by phone asking for a refund because they did not have the transmission as they said they did by phone basically lied to me and ripped me off. They agreed to give me a refund. The merchant XXXX XXXX XXXX XXXX sent me a bogus check CK # XXXX by mail and they later put a stop payment on the check causing me to get a stop payment fee of {$20.00} dollars. My Personal Bank is XXXX XXXX XXXX XXXX. Citi Custom Cash has failed to get me a refund or contact XXXX XXXX XXXX XXXX concerning this problem at this time. They are basically ripping me off just like XXXX XXXX XXXX XXXX. There customer service sounds like they are from another country by phone and are hard to understand .Please look into this Credit Card Company! Citi Custom Cash Card case # XXXX./ PHONE XXXX / XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE # XXXX. MY CARD ENDING IS XXXX.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

30 Days ago I was informed by my credit tracking applications that I had new reports on my credit report. I went to see them, and I found 8 different accounts from Navient had gone delinquent. I had no knowledge of these accounts, and was never once informed that they needed to be paid. Up until this point, I had never missed a credit card/car payment/student loan payment in the entire length of my credit history. I called Navient, and they pushed me hard to forbearance, and told me that the accounts should be pushed to current and that all past due payments would just be added to the balance and negated. Today I had called them to do a follow up to see why the accounts were just marked as current and not fully removed as late, and they told me they would not be able to remove them from my credit report. When it comes to the loans, they had never tried to contact me once besides them stating that they had sent emails reminding me of the payment due. My phone number was correct and never changed, and they had the right contact information for my mom as well as myself. The address was also correct for the both of us. They had said that due to me being enrolled in " paperless '' they had never tried any other method of contact. Thus my accounts being delinquent and late has crushed my credit score when I was completely unaware of the fact that any of these payments were due. If I had, I have more than sufficient income to make said payments, and would've happily done so as you can see with every other account in my name including other student loan accounts.. They also informed me that it is my responsibility to keep them up to date with current information, meanwhile the only information they had wrong/ever chose to contact me through was an email address that was wrong and I no longer have access to.
Consumer complaint received 2021-09-20
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: GOLDMAN SACHS BANK USA (PA)

A Apple Card/GS Bank USA account appeared on my credit report which I never used. I never owned any Apple Card under my name. I contacted the creditor Apple Card/GS Bank USA to know about this account and they advised me to report about the identity theft and apply to dispute that account to all credit bureau ( which I did ).
Consumer complaint received 2021-09-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC. (GA)

The car loan that I have is held by Exeter Finance LLC. I've had the loan for approximately 5 years. The loan was for XXXX as of today my balance is nearly XXXX. This is surely an illegal business operation. I have tried to contact upper management about current situation at hand. The vehicle is a XXXX XXXX XXXX purchased in XXXX.
Consumer complaint received 2022-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

on the XXXX of XXXX i bought a ticket from a girl on social media she sold me a XXXX ticket that didnt work i sent her money through zelle and she never sent me my money back like she said she would. She scams people offering XXXX tickets for a lower price and never responds back and blocks you. i contacted my bank because its connected to my zelle and they told me i couldnt do anything about but i decided to search up what i can do to recover my money.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A. (IA)

My Citi card was charged {$1.00} in mid XX/XX/2021 and it was determined as fraud. Citi then sent me new card with a new account number that I received at the end of XX/XX/2021 which I activated and have used. Today XX/XX/2021, I received another new card with the old account number on it with a new expiration date. It was sent to my former address, but forwarded to my current address. I called the ( XXXX ) XXXX and explained to the CSR what happened and she told me to cut up the new card with the old number, but could not explain why I was sent the card. I find this behaviour very suspicious and would like an answer from Citi. It is also of note that as soon as fraud was detected on my card, they changed my limit from {$1500.00} to {$440.00} ( which at the time was just pennies over my balance ). The letter that came with the new card with the old number states that my limit is {$1500.00}. When I asked the CSR about this she tried to do a credit limit increase and then stated that she was sorry that she could not perform one at this time because the limit had been decreased within the last six months.
Consumer complaint received 2022-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has fraudulent accounts that need to be removed immediately.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
B RENT RECOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (SC)

I RECENTLY RECEIVED IN THE MAIL AN EQUIFAX CREDIT FILE DATED XX/XX/2021, SENT TO ME FROM EQUIFAX. THIS VERIFIES THE FACT THAT I DO HAVE AN EQUIFAX CREDIT FILE. 

HOWEVER, WHEN MY CREDIT UNION ( XXXX XXXX XXXX XXXX ) TRIED TO GET MY CREDIT SCORE FOR THE PURCHASE OF AN AUTOMOBILE, THEY WERE UNABLE TO OBTAIN ONE. 

SO, MY CREDIT UNION, WHICH ONLY USES EQUIFAX, ASKED ME TO CONTACT EQUIFAX, I ALSO WAS UNABLE TO OBTAIN MY CREDIT SCORE.
Consumer complaint received 2021-06-09
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)

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, XXXX, XXXX, Equifax, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
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: World Acceptance Corporation (FL)

XXXX XXXX XXXX & World Finance Corp has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my abusive ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Consumer complaint received 2019-06-11
Product: Credit card or prepaid 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: SYNCHRONY FINANCIAL (FL)

Ill begin by stating my problem is with PayPal mastercard in the amount of XXXX. To explain on XX/XX/XXXX I attempted to make a split payment purchase between my debit card for XXXX PayPal Mastercard for XXXX and the remaining on PayPal credit for a chassis for go kart and the 3rd payment method PayPal credit would not work we called and they told us try in another week which we did but it still declined for unknown reasons so I told merchant I was okay and we would not be purchasing product and we have been trying to get back the XXXX in our XXXX XXXX acct as well as XXXX that was Charged to the Mastercard reversed and have been running in circles. I never even purchased a product yet the balance on that Mastercard is 1200+ and interest I've been paying the limit on card is only XXXX so its over limit and I just need someone to take the info and fix this matter once and for all its insane how this has gotten to this I have communication between the merchant and I where the charges were reversed on his end and he did dispute 1 time due to the Mastercard taking it from him a 2nd time but he agrees we should be refunded so I have no where else to turn and am needing the fees interest and charge reversed and I'm still trying to fix bank as well. Thanks for any help. I will attatch screenshots of conversations between merchant and I along w statements where I was charged and if anything else is needed please email me at XXXX XXXX
Consumer complaint received 2022-04-09
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. (NC)

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX has violeted 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 an account without my written instructions.