davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (KY)

I have put freezes on all 3 credit Bureaus within the past year and saved all of my documentation. 

I recently tested unlocking them for a short period of time to see if it was possible. Out of all 3, XXXX   and XXXX were able to temporarly unfreeze my credit. Equifax requires that I send a letter with personal information to them. I have also tried to contact them regarding this and have yet to reach a human.
Consumer complaint received 2021-07-04
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. (LA)

I've been disputing my credit file with XXXX, XXXX and Equifax to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. Equifax comments in the creditor remarks that Consumer Disputes after resolution when in fact the account is still inaccurate ... .The 3 credit bureaus reports inaccurate accounts that has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, {$0.00} Balance closed accounts reporting a delinquent payment status, {$0.00} Balance closed accounts reporting an open account status, missing fields of closed dates, High Balance lower than Balance Owed, collection accounts that reports an open account status and past due amounts. This is unlawful reporting! After a year of disputing the credit bureaus remain in non-compliance and blatantly records negatively, this is damaging to my credit score and report ... ..Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, Equifax reports {$0.00} HighBalance on all my revolving accounts. XXXX Last payment does not coincide with XXXX  payment data history, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (FL)

On Friday, XX/XX/2021 someone was able to " append '' themselves to my wife and I checking account on Chase. This person pulled from our ( wife and I ) checking account {$18000.00} and from my step-sons account {$1300.00}. As soon as we found out we reported the incident to Chase as a potential identity theft case where my wife was the victim because it seems that they used her information to access our funds. What CHASE did was to open an Identity Theft claim case and supposedly sent us some paper work to fill in. 
Today XXXX, XXXX almost a week after we filed the complaint ( on Saturday the XXXX since that's when we found out about the issue ) with them we have not received the documents. Our claim is not being worked on, {$19000.00} were transferred to a scammer without a single notification to us as the owners of the account. Not a single phone text, email, nothing, in total silence. Because we did not know about this, we also made purchases and ended up getting overdraft and charged a {$34.00} fee by CHASE. 
The transactions appear as " Phone Transfer ''. We have never made this sort of transactions before. In addition, I noticed that in their mobile app you can now open an account with your phone. I wonder if this new software update allowed a scammer to create accounts with an information stolen without having to go to a branch. 
CHASE has been absolutely shady about this with us. Nobody seems to understand what's going on. We have the routing number and the account number of this scammer since my wife was able to see this new account from her login. Look how poor security CHASE have. 
Please, we need help. We called the police and the police can not file a report because they do not have the bank paperwork that is supposed to arrive before they can file a report. Too much bureaucracy and this family needs the money which is being held by CHASE. 
I thought that belonging to a big bank was going to add a protection but after being a customer for 10 years and having also my business account with them, Chase has not shown any appreciation for me and my family. 
I can submit more evidence if requested. I have screenshots of my wife 's login and the ability to see the account that stole the money from us and how the owner of this account split the money across multiple other accounts.
Consumer complaint received 2019-04-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (WI)

The Wells Fargo debt is not my responsibility. Wells Fargo is not honoring a divorce decree which separated that debt from me to my now ex-wife. The decree was made by Judge XXXX, XXXX at XXXX XXXX XXXX, XXXX, TX, XX/XX/2015. I supplied Wells Fargo with a copy of this decree. When I called them regarding this debt and asked why they still have me listed on this debt ( I wasnt notified of an appeal to the decree ), the conversation ended with sue us! I am a XXXX  XXXX  without resources to file a lawsuit against XXXX XXXX
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

On or about XX/XX/2022, Wells Fargo Bank allowed XXXX XXXX to withdraw {$8800.00} dollars out of my account ending XXXX which was a fraudulent transaction. I called wells Fargo bank to report the fraud and they denied the claim without reason. I have been on a recorded call with wells Fargo bank and was told companies have the authorization to make any type of withdrawals from my brand new checking account. I had closed a checking account ending in XXXX on/or about XX/XX/2022, and I had lost my checkbook, Because of this I closed the account and opened a brand new account. I did not authorize any company to take any ACH or provide my new account number or routing to XXXX XXXX or any business to take an ACH payment from my account. Wells Fargo opened case number XXXX and wrongly captions this as a stop payment when it was a fraud and unauthorized payment. I have reached out to Wells Fargo to get an explanation and talk to a manager and to this day no one has called or emailed me about anything. I have proof that this company did not have access to my new account which I will be attaching to this message. Wells Fargo needs to return my funds immediately. In addition, Wells Fargo assured me that my account was secure and no merchant could take money from my new account and that authorization doesn't pass from one account to another. This is fraud and I need Wells Fargo to show me the investigation performed on this account. 
Wells Fargo knows they are in the wrong because when I opened the claim they never sent an email with the claim number, and they never followed up with a callback, in their own writing and emails when I closed my account they tell me in writing that I have to set up accounts or payements. They are trying to commit fraud against me. I have attached another claim that they handled my other claim properly see attached and it was because it was for a lesser amount and they have no problem sending me my documents correctly so I have the proof no they are wrong.
Consumer complaint received 2021-05-10
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. (LA)

On XXXX XXXX XXXX 2021 Equifax posted many inquires I did not consent to. They have committed fraud and several violations of the FCRA. It has been over a month now and those false inquires are still on my report despite my efforts. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, Equifax has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information Equifax in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave Equifax permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2021-11-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/2021, I gave a formal complaint of inaccurate information on my credit report including inquiries and accounts. 31 days later, I have not received any response. Under federal law, you have 30 days to complete my investigation. Proof of these alleged items, specifically the contract, note, or other instrument bearing my signature has not been provided to me. Failing that, the items must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. I demand that the unauthorized inquiries and accounts be removed immediately.
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NJ)

I noticed my credit score went down. I checked XXXX and XXXX and saw a collection in my credit report. It is from a collection agency ( AMSHER COLLECTION SERVICES ) related to some XXXX account. I never had an account with XXXX This is either a mistake or an identity theft.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

I lost my XXXX credit card. I called in to dispute for all the transactions that I didn't authorized but XXXX still make me to pay for those transactions. Please help me to resolve these issues. XXXX team refused to resolve these issues and requested me to pay : 1. XXXX XXXX : XX/XX/XXXX= {$430.00}. XXXX 2. XXXX : XX/XX/XXXXXXXX {$18.00} 3. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 4. XXXX : XX/XX/XXXXXXXX {$150.00} 5. Half & Half : XX/XX/XXXXXXXX {$6.00} 6. XXXX XXXX : XX/XX/XXXXXXXX {$37.00} 7. XXXX : XX/XX/XXXXXXXX {$15.00} + {$12.00} + $ XXXX {$36.00} 8. XXXX : XX/XX/XXXXXXXX {$280.00} 9. XXXX XXXX XXXX XX/XX/XXXXXXXX {$59.00} 10. XXXX XXXX XX/XX/XXXXXXXX {$54.00} 11. XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX {$210.00} 12. XXXX 's XXXX XX/XX/XXXXXXXX {$14.00}
Consumer complaint received 2022-10-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

Over the past few years my Chase Bank account had been frauded, credit cards issued to others not on account, forgery and forged checks, atm withdrawals taken out. My late husband was joint on all 5 of our accounts. We did not even know this was happening to us and by members of our own family. After my husband passed away last XX/XX/21 My daughter went on the account to make sure everything looked right. She started auditing and we were shocked to see hundreds of thousands of dollars gone. Forged signatures on checks of myself and my husband and a lot of wire transfers in huge amounts. Left me with hardly anything and my entire chase accounts compromised. My daughter helped me and it took her about 6 months to get it all prepared properly and to complete her audit and the executive office claims they lost her hard work of our proof and truth. Chase bank allowed all of this to happen and did not let myself or my late husband know. Chase bank and my family have done the largest amount of elder abuse, identity theft, and robbery I have ever imagined. Why Chase bank especially at executive office would loose our hardwork reports and allow such fraudulent behaviors and not pay us back a penny is completely unacceptable and disheartening. Someone even used my late husbands debit card after he was killed and also moved {$6000.00} in another wire transfer! Chase has not done a thing to help us not a thing. To me they are criminals just like the ex family members that were in our bank accounts.
Consumer complaint received 2022-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC (TX)

On XX/XX/2022, I sent a XXXX XXXX XXXX to Initiate Electronic Funds Transactions to Explore Credit. However, Explore Credit continues to debit my account. The most recent attempt was using an eCheck because those are difficult to dispute with my bank. The date was XX/XX/2022 for the amount of {$330.00}, more than 60 days after I requested that Explore Credit stops debiting my account.
Consumer complaint received 2022-08-24
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. (VA)

The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-10-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (PA)

I received notice that my checking account was negative {$4000.00}. Upon checking the withdrawals, the bank took {$4400.00} out of my bank account for " returned deposited items ''. We called the bank to verify and we're told they could not do anything until the transaction processed because they couldn't see why until the process was complete. I contacted the bank as soon as it was no longer pending in my account and was told that they could not find the item the original deposit of the item that was returned to them. The checks that were supposedly were deposited were not deposited into my account nor should I have received any checks for those amounts. The bank has told me on multiple phone calls they can not see the transactions to give me any answers as to why this happened and are not refunding my money when they clearly can't find the transaction of the deposit to show it was not me.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my Credit Reports that need to investigate. Therefore, Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that needs to be removed completely from my Credit Report : XXXX-Date of Inquiry XX/XX/2020
Consumer complaint received 2021-09-11
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)

Hello, I do not know the reason why I dont receive an answer from the different Bureaus, there is a lot of information on my report that is incorrect and Im trying to correct that, Ive been doing this for months now and havent receive and answer, I know the Law and they are supposed to send me some correspondence.
Consumer complaint received 2019-04-18
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Certegy Holdings, LLC (WA)

My Wife purchased a money from XXXX XXXX, # XXXX at XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. On XX/XX/2019, she had returned to the same XXXX XXXX to cash out the money order. The department manager, XXXX could not cash out the money order because Certegy Check Services would not allow her to do so. My wife has not had an issue with getting money before. We were informed by the Manager at XXXX XXXX that we had to call Certegy and verify her information and everything would be ok. We called Certegy , they absolutely gave us the run around. They tried to give us many excuses as to why they wouldn't cash out the money order. We had explained the money order was purchased with cash, which was met with " We can not cover the cost of the money order ''. This is the same store where my wife had previously was able to get {$2000.00} in cash from them.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nicholas Financial Inc. (MD)

To whom it may concern, I am writing to request information about the account NICHOLAS FINANCE COR on my credit report XXXX. As per Section 609 of the Fair Credit Reporting Act, I am entitled to see any sources or documents you have on record regarding this account, including the original contract with my signature and the credit application.
Consumer complaint received 2022-08-24
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: Experian Information Solutions Inc. (IN)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$200.00}, Inquiries Not Included XXXX : XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX FIN XX/XX/2021 XXXXXXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Accurate Background (IL)

I had applied for XXXX delivery driver and was denied to get hired just today XX/XX/XXXX by XXXX XXXX XXXX. I understand the reason why I got denied for but because of my drivers history of just one Incident I had back in XXXX but again that was XXXX I was young at the time and made my mistakes. I feel like I deserve I should be allowed to work for XXXX because Im not the kid I was before, I know better and will not do the same mistake over again, Ive learned from my lesson. I just really need this job so if you guys can please give me a chance
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (MD)

There's a XXXX credit card on my reports and I have disputed several times for 2-3 years in a row. All three refused to acknowledge my complaints about the activity that's not mines. I have even been threatened by XXXX in writing before that they will forward the information to all XXXX credit bureaus to impact my score in a negative way and that's what has happened. Ive asked time again to remove the debt from my reports.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc. (CA)

I started a " XXXX, XXXX '' account online. It was meant to improve my credit. While I was on automatic payment and received a weekly paycheck everything was fine. I had in fact forgotten about the account. They never sent statements and their emails would go to my junk mail. 

On or about the XXXX day of XXXX I applied for a mortgage and my XXXX XXXX was around the XXXX range. XXXX then reported the payment for XXXX late and it resulted in a XXXX point decrease in my XXXX XXXX. I requested that as a courtesy they remove the late payment as the first time I saw the late was when it was reported. 

XXXX indicated that they do not send paper statements they only communicate by way of an email. Because I was dealing with my father 's death, I did not even get the emails or remember to look for them. They refuse to reverse the late payment and I am devastated as now I can not move my family into a home.
Consumer complaint received 2021-09-11
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. (GA)

I have repeatedly reported that there are FRAUDULENT items on my credit report and that they are in violation of FCRA regulations. 

There is an abundance of inaccuracies in my report. The attached accounts are reporting inaccurately and or erroneously. I have reported these in XXXX and XXXX of XXXX  with no rectification for the accounts. 

I have attached all three reporting agencies to show inconsistencies and FRAUDULENT negative accounts.