davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-01
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. (MS)

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 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX 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 XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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 XXXX XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have reached out to Equifax to dispute a charge off deposit account that Ian being reported on my credit file. I have a letter from the credit union associated with then account that says that this item shouldnt be reported in my credit file. The credit union is willing to confirm that I do not currently have a charge off account with them. 

Equifax has failed to properly investigate this matter as I have sent them a letter from the credit union that says it should not be on my file. I will attach a copy of this letter to my complaint. The credit union is also willing to verify this information if contacted but they have not been contacted by Equifax. This account is also being reported as a delinquent account that had a charge off for XXXXXXXX XXXX and subsequent payment for XXXX XXXX that never happened. The credit union is not reporting this account so there must be a third party updating the account. I would like this account deleted from my credit file without delay.
Consumer complaint received 2022-07-01
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. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX & XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX
Consumer complaint received 2022-06-08
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX- This is not my correct address. Remove it immediately from my credit report. 

3. 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 XXXX XXXX Account Number : 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 cr
imes 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 2022-07-01
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. (IL)

i filed report XXXX with ftc reporting fraud i need you guy to delete all the hard inquirys from my report i filed report what else do i have to do thanks
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

On or about XX/XX/24, I received a bill {$30.00} for an amazon Chase credit card. To my knowledge, I didn't have an amazon account. The bill looked legit. It had all my info correct ; name middle initial, address, etc.

At this point, I wasn't sure if I bought something on line, clicked a box somewhere, and it was sent to me as a result. So, I called the number listed on it XXXX XXXX XXXX XXXX. 

During the call, the operator asked me to key in my SS # to identify my account. It didn't dawn on me until after I hung up the phone that was the moment I should've known it was a scam. He claimed the bill was canceled and I would not be charged. 

I talked to my local police. He confirmed my fears. Gave me a booklet to describe what steps to take as a result. I have let my bank know and now I'm letting you know.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (AZ)

I AM A CONSUMER. This account is reporting fraudulently on my credit report. This company never sent me a XXXX cancellation of debt form for this account which is against consumer law. I want this account to be removed immediately as I will send an affidavit to all parties involved if its not removed. This account is causing me stress, damage, Defamation, and anxiety.
Consumer complaint received 2022-12-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC (NY)

Gemini brokerage did not let me withdraw my deposit es d funds in the amount of {$20000.00}. According to their XXXX, it states that a redemption of your funds would take 5 business days at the most and yet its been two weeks and NOTHING!!
Consumer complaint received 2022-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

I want paper statements. Since starting this mortgage, I have called 3 times requesting monthly statement. They said in their system that they are sending me paper statements, but I have not received a paper statement. 
I called in XXXX of XXXX, XXXX of XXXX and today, XX/XX/XXXX. They continue to say I am set up for mailed statements, and I have not received one statement in the mail, except when I call and they send me back statements. 
They have records of my three calls, and each time they send me the back statements that I did not receive, but the system never sends statements. 
I want paper statements, I have always wanted paper statements, and I want them to fix the problem, recognize it is an issue, and correct the coding or whatever is causing the issue that I am not receiving the statements. 

This is a mortgage with my son, XXXX XXXX. The property address shows on the statement. Their system shows statements should be sent to my address : XXXX XXXX XXXX, XXXX VA XXXX. They have confirmed each time that their system shows to send the statements to XXXX XXXX. Neither address receives the statement. The statement should be mailed to XXXX XXXX XXXX, and that is what they have in their system.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA (NC)

I have {$240000.00} in a savings account at Marcus by Goldman Sachs Bank. 
I can not get my money out of the bank despite XXXX calls from XX/XX/22 and XX/XX/22. 

On XX/XX/22 by phone I closed the account and requested that a check for the money to be mailed to me. I was told that this would occur. I complied with all the security checks and was told that a check would be mailed. I never received the check. 

On XX/XX/22 I called to complain that I never received the check, and the bank representative confirmed that no check had been mailed and we went through the whole security process again with a special P.I.N. code, etc, with a Supervisor, and I was again told that the check would be mailed. I was told it would be sent by registered mail. I never received the check. 

On XX/XX/22 I called to complain and was told that the check was never mailed. I again requested that the check be mailed and was told that it was " in process '', but the representative, and eventually a Supervisor stated that there was nothing more they could do. I asked to speak to the Supervisor 's supervisor, and was told that one was not available at that time, but that we could request that one call me within a few days. I agreed to that, but it is unacceptable that I can not get my money out of this " bank ''. They could not answer any questions about the process or how I could get my money.
Consumer complaint received 2022-07-01
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)

So I sent a letter off on XX/XX/2022. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC. No financial institution is suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2022 I deposited a 3rd party check from the car COVID renters help program, the program doesn't require for the applicant to be a citizen or have an id. So it's hard for the applicant to cash check. The check cleared same day with a deposit hold Until XX/XX/2022. Chase closed my account and on XX/XX/2022 a debit XXXX  charge was done. In the amount of {$13000.00}. They did not return the funds to the original named on the check to his address either they are with holding funds until he comes in with a valid id he doesn't have. Because of this he is risking eviction. And homelessness.
Consumer complaint received 2022-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this accounts. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-06-08
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. (TN)

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2021-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NC)

Good Morning. My name is XXXX XXXX. My account number is XXXX. I just spoke to a Navient representative. I was also informed Navient only reports at the end of the month. I am currently in a deferment and my loan is in good standings and has been in good standing for the last few years. There is no balance due on my account. Navient has reported incorrect information to the credit bureau twice this month. Once on XX/XX/2021 and XX/XX/2021. My credit score has dropped 42 points. This has caused me great pain and suffering. I have been working on my credit I have paid over several items recently. Navient has done this in XXXX of this year and they fixed the problem now this is happening again. This is unacceptable. I have called, emailed, mailed, and faxed numerous letters to Navient and no response. Navient has only reported this to XXXX.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Colony Brands, Inc. (OH)

On XX/XX/XXXX I sent Monroe & Main a fourth complaint as well as CFPB to do an investigation and of an account on my credit report. The account is showing a balance of {$240.00}, which is inaccurate. I do not owe them any money. This account status is also stating charged off with a balance which inaccurate. This account also appears to re-aged charging off or collections back in XX/XX/XXXX. Your investigation from complaint # XXXX, XXXX, XXXX, XXXX shows the account was updated. What was updated? Who did you speak with? I am demanding that this inaccurate and incomplete account be deleted from my report. According to FCRA violations and FDCPA violations. The original creditor has NEVER sent any information to respond to any of my request for an investigation. How are the able to update and illegally re-age this account?
Consumer complaint received 2022-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NV)

ATTENTION TO XXXX XXXX ( XXXX XXXX XXXX & ALL CREDIT BUREAUS AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company.This account has been reporting to my file since XXXX I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$280.00} does not belong to me. This account was fraudulently opened through this company XXXX XXXX  in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN or Credit Card ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-12-01
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (IN)

*Contacted WFB via phone regarding closing my $ XXXX XXXX  with maturity date XX/XX/22 on XX/XX/22 and on XX/XX/22 due to interest under paid interest errors. 
* Phone banker verified me and said she would forward closure form to close account on XX/XX/22 and request the {$5200.00} funds be transferred to my checking account. She advised it would processed within XXXX business days. 
* After checking both account 4 days later I verified, the XXXX account was not closed. 
* Called WFB again and was informed, the request was not eligible because over $ XXXX. 
and joint account so she would request a cashier check to be mailed to me after I educated them that there is no WFB branch in the state of IN and the POD on account stands for beneficiary not joint account! 
* To date, no check was ever mailed and no resolution after I initiated XXXX additional phone calls and receiving an email on XX/XX/22 and XX/XX/22 from a Escalation Complaint dept with an invalid *extension number! 
* I transferred my mortgage with them 2 years ago due to this type of inferior service and frustration. However, this is my money so Im appalled at this experience.
Consumer complaint received 2022-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC. (NC)

On XX/XX/XXXX, my checking account at Axos Bank was frozen. This caused them to return two pending XXXX XXXX payments. This meant my credit card account relationship was damaged, and I was charged a {$35.00} return payment fee. 

In order to unfreeze my account, I sent the requested documentation needed to verify my identity to Axos Bank, which was received on the evening of XX/XX/XXXX. I called back 3 times since then, on XX/XX/XXXX, XX/XX/XXXX, and XXXX and each time was presented with the same explanation, that the review will finish in XXXX business hours. I'm submitting this complaint as I do not believe them at this point, and I had the same problem with my Axos invest account last year, which I was forced to resolve through XXXX.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

PRESENTED A CASHIERS ( BANK CHECK ) ISSUED BY XXXX XXXX FOR DEPOSIT INTO A WELLS FARGO BUSINESS CHECKING ACCOUNT. WELLS FARGO INDICATED THAT IT WILL TAKE 10 DAYS TO CLEAR. HAD TO RETURN TO XXXX XXXX AND DO A WIRE TRANSFER FOR WHICH I WAS CHARGED FEES BY XXXX XXXX AND WELLS FARGO. XXXX COULD NOT CLEARLY DEFINE THEIR POLICY ON ACCEPTING BANK CHECKS. I HEARD A FEW DIFFERENT THINGS FROM XXXX  AS TO WHY OT TAKES 10 BUSINESS DAYS TO CLEAR A CASHIERS/BANK CHECK : 1. THE XXXX  ACCOUNT THAT THE CHECK WAS BEING DEPOSITED TO WAS ONLY 7 MONTHS OLD. 2. THE HOLD IS DETERMINED BY THE LOCAL BRANCH MANAGER. 3. TELLER WASN'T SURE WHY THEIR WOULD BE A HOLD. BRANCH LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX BANK FALSE CLAIMED TO HAVE SETTLED CLAIM BY PAYMENT OF {$60.00} BUT THAT IS NOT TRUE. SEE PRIOR CFPB CLAIM NO. XXXX AND COMPANY RESPONSE. 

ONLY RECIEVED HALF OF THE MONETARY RELIEF. 

WELLS FARGO OWES ME ANOTHER {$30.00}
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MN)

Company put on a fraud alert and hasn't taken it off and it has been nearly 60 days. I have called them numerous times and sent the required information and it hasn't been resolved. They don't fix it and I haven't heard back from them.