davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-03
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)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-04-26
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 (TX)

On  XXXX   XXXX ,    2017  I received an email from my personal  XXXX  account that a trip ( Itinerary #  XXXX  ) had been booked on  XXXX  trip was booked from  XXXX  to   XXXX   XXXX    for  XXXX ,    2017  through XXXX   XXXX ,  2017 . I immediately went into my  XXXX  Account and noted how the trip was paid for. Upon arrival at home I looked for my credit card ending in  XXXX  from Barclays Bank and noticed it was missing. I immediately called Barclays and reported the card-lost-stolen. I was given credit and sent a new card. Days later I noticed the charges appeared back on my online account. Upon further review the names on the itinerary were listed as my  XXXX  old daughter  XXXX   XXXX  and her  XXXX  old boyfriend  XXXX   XXXX . After speaking with my daughter about this unauthorized charge I calle d Barclays a nd advised them of the situation. I explained that these charges were not authorized and the fact that my daughter is  XXXX  old and unable to travel alone. I was advised b y the Supervisor   XXXX   (   XXXX   )  that this was not going to be covered and that I would be responsible for the charges as the unauthorized charges were made by my daughter. I explained the circumstances and how she was not given permission nor is she authorized on my account to make these charges.  XXXX  said there was nothing he can do that I would be responsible even though the trip and the hotel would not be taken.     I do not understand how Barclays states I am covered against unauthorized charges but yet I am being held liable for the charges. The total amount charged to my card is {$1000.00}. I called  XXXX  on  XXXX / XXXX / 2017  and was advised that I would need to call my credit card company as they agreed this is an unauthorized charge.
Consumer complaint received 2022-09-27
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: Rocket Mortgage, LLC (OH)

Rocket Mortgage In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 16666b 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 2022-12-09
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. (TX)

Hello, My name is XXXX XXXX, I am writing to request these items to removed from my credit report. 

1 ) Incorrect Employer : XXXX The correct employer should be : XXXX XXXX XXXX XXXX Please update 2 ) Late Payment from XXXX XXXX XXXX XX/XX/XXXX Account number XXXX XXXX ) I do not recognize these inquiries. I would like to remove them from my credit report XXXX Inquiries These lenders have accessed your credit file : XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-12-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (MI)

I enrolled in a Covid forbearance with US Bank home mortgage under the cares act in XX/XX/2022. My income remained impacted by covid and this forbearance continued through XX/XX/2022. At that time I had returned to work full time and informed the company that we would be able to resume payments. I continued to attempt to set up a repayment plan with us bank, making multiple phone calls to customer service. I was initially informed that I should choose a repayment plan using the app. When I attempted to use the app, the options appeared briefly but then locked out and disappeared before I could select an option. I immediately notified us bank and was informed that because I did not select an option, I would need to send a signed letter to US bank requesting that my account be removed from active loss mitigation. The representative informed me that my options for repayment would then be reinstated 7-10 business days later. I emailed the letter as requested on XX/XX/2022. The email was sent to the email address that the representative referred me to ( XXXX ). My account status has remained unchanged since that time. I called and spoke with a representative on XXXX, who stated he could escalate my request but that the company may later request additional information. I made several attempts to call on XXXX only for the calls to automatically disconnect. I then dialed from my work number ( unknown to the company ) and was finally able to speak to a representative! This representative is now saying that we will need to fill out an application for mortgage assistance as out forbearance has expired. I feel that US bank is violating the cares act by causing confusion and difficulty surrounding the exit options and intentionally dragging their feet in order to force the borrower into default. They failed to provide education regarding our options for repayment.
Consumer complaint received 2022-08-01
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. (NV)

The credit bureasus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also I have multiple collections on my report when The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. This grounds for removal they also violated my rights under 15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NV)

Wells Fargo has a {$10.00} fee associated with a checking account. Per Wells Fargo policy, to have this fee waived the account holder needs to have a daily balance of {$500.00} or a minimum monthly direct deposit of {$500.00}. 

Well I'm an independent contractor working for XXXXXXXX XXXX  direct deposits my weekly reserve ending balances every Tuesday. So ... whatever is in my account by Monday XXXXam, it's then direct deposited into my Wells Fargo Account available Tuesday. Well... luckily XXXX has a feature where I can pay myself beforehand. I can choose to pay myself daily or when I need money for expenses. My direct deposits, meaning one institution sends money from another, directly deposited into my account, are well over $ 500 monthly. Why does Well Fargo continue to charge {$10.00} when one of the requirements are met? Just because I chose not wait until Tuesday, and pay myself, should not be not recognized as a direct deposit.
Consumer complaint received 2022-08-01
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. (TX)

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} ; XXXX XXXX Balance {$150.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance {$430.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$580.00} ; XXXX XXXX XXXXXXXX Balance {$900.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance {$180.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$240.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$4700.00} ; XXXX XXXXXXXX Opened XXXX XXXX, XXXX XXXX Balance {$3600.00} ; XXXX XXXX XXXXOpened XXXX XXXX, XXXX Balance {$260.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$200.00} ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date XXXX. XXXX, XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODAInquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2022-08-01
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX BANK XXXX XXXX XXXX : {$970.00} ; XXXX XXXX CO XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$910.00} ; XXXX XXXXXXXX XXXX Balance : {$400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX Bankruptcy XXXX XXXX CT XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX Bankruptcy XXXX Bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TX)

I would like for XXXX XXXX XXXX XXXX to show proof of verification that I owe them {$82.00} with ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (CT)

I was a victim of " phishing. '' On XX/XX/XXXX I received a text message from a Citibank impersonator, and I thought it was from Citibank. I clicked on the text message and logged on to what I thought was the Citibank website. The next day I found that {$49000.00} was wired out of my savings account ( 2 wire transfers ). On XX/XX/XXXX I filed 2 Citibank claims for unauthorized wiring of funds. After 90 days I received a letter from Citibank saying that my claim was denied ( reason : " the fraud reported was caused by providing customer account information or authorization for the transactions that were determined to be a scam. '' ) I phoned Citibank and they said that I could appeal, but they did not ask me to fill out an appeal form, or even ask why I was appealing the decision. A couple of weeks later they sent a memo that stated No new information was received or discovered that would change the denial decision. I've had an account with Citibank since XXXX and nothing like this has ever happened before. When I logged on to the fake Citibank website ( XX/XX/XXXX ), I didnt know that I was giving the scammer my password that is why it was a scam and I was the victim. Citibank knows the bank ( s ) that received the wire transfers and the names associated with those accounts. 

I filed a report with the local police department. I dont know what else to do.
Consumer complaint received 2022-09-27
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. (PA)

In accordance with the Fair Credit Reporting Act. 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-27
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. (CO)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. 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. 


15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 





15 U.S.C 1681 623 subsection ( A ) Reporting information with actual knowledge of errors. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-09-27
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: V and H Portfolio (TX)

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
Consumer complaint received 2022-09-27
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. (NJ)

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 719XXXX 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 n 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 4 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 n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 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 im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-09-27
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)

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  Account # XXXX has violated my rights. XXXX  Account # XXXX  has violated my rights. XXXX  Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXXXXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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 2022-09-27
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. (LA)

XXXX2022| 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person
Consumer complaint received 2022-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (TX)

I was diagnosed with XXXX in XX/XX/XXXX right around the time the pandemic began. Throughout the time that student loans have been paused, I have been dealing with health issues and accumulating medical debt. Since my XXXX diagnosis, I have had multiple surgeries and and trips to doctors so my expenses have been significant. I had to decide between paying medical debt which does not accrue interest or paying down my student loan XXXX and finally seeing the XXXX decrease for the first time since I started paying 10 years ago. I paid nearly {$5000.00} into my student loans since the pandemic and it has not been easy but I had to make a choice that best helped me decrease my debt in the long term. With the announcement of the student loan forgiveness plan, I will be eligible for $ 20k forgiveness and that covers my current XXXX plus the money I put into the loan. I have requested a refund of all moneys paid in since XX/XX/XXXX but my servicer, Nelnet, is dragging it's feet processing my refund. They are purposely delaying my request and will be putting me in a position where I may not be able to request the refund if my forgiveness goes through first or will not have option to pay that back in if it is the not the amount I am expecting. I have called and have been lied to about the process. I first requested the refund on XX/XX/XXXX and was told I would have a response in a week. 3 weeks went by and I followed up and was told that it would be 4-6 weeks for a response and then an additional 4-6 weeks for a refund. Thats almost 3-4 months! I believe they are unfairly and intentionally dragging out this process for their benefit ... it is a delay tactic and it will have severe consequences for many of us that are hopeful this forgiveness program will help us reduce or eliminate debt in hopes of building a better future.