davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I am submitting this complaint against Equifax after discovering the reinsertion of a bankruptcy on my consumer report. I sent in a letter to dispute reporting of a XXXX XXXX account and their response was to reinsert a bankruptcy that was deleted. I did not give Equifax or any of it's affiliates permission to report this private information. They will most likely respond the way they have previously claiming the information is public and received from a third party. It is not XXXX XXXX because I am opted out of XXXX XXXX and have been for years. It is also not the " furnisher '' because the US bankruptcy court has confirmed they do NOT provide information to credit reporting agencies because it is PRIVATE. I am not interested in a long drawn out battle. I am livid. I demand the items be deleted IMMEDIATELY along with compensation for Equifax 's willful noncompliance in damaging my reputation without my consent or notifying me per the FCRA.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2022 Wells Fargo BankXXXX  XXXX XXXX XXXX XXXX, CA XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Demand Letter Checking Closure Request Account XXXX To whom it may concern : On XX/XX/2022, I asked Wells Fargo to close the captioned account in writing via CFPB complaint ( docket XXXX ). The account was not closed as requested. 

On XX/XX/2022, I was charged a $ 10 monthly service fee which overdrew my account. 

Now, I respectfully demand that Wells Fargo reverse the fee, issue compensation in the amount of {$50.00}, and close the account. 

Otherwise, this matter will proceed to arbitration with all fees and costs taxed to Wells Fargo. 




Sincerely, XXXX XXXX
Consumer complaint received 2022-07-28
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. (VA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$420.00}
Consumer complaint received 2022-04-24
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. (DE)

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-01-24
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. (TX)

To whom it may concern I filed a dispute with equifax for reporting incurrate information. With confirmation # XXXX dated XXXX XXXX from equifax it states that I should contact : XXXX XXXX XXXX XXXX XXXX 


I have previously contacted them and they provided me with a letter. I did and they provided me with a letter that says they do not provide information to credit agencies. So how was this information that was not verified? This is a complete violation of my consumer rights. As states of 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 may be inaccurate. 



I have attached letter of results from Equifax and from clerk us bankruptcy court
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

In accordance with the Fair Credit Reporting act US Department of Education, has violated my rights.

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Consumer complaint received 2022-09-20
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: DISCOVER BANK (PA)

The charges on my credit card were not mine. I was taken advantage of by an abusive parter and he was the one to use my credit card without my permission. The company has not resolved the issue when I filed my dispute. I was diagnosed with XXXX  due to the traumatic experiences I've had with my ex-partner and I will not pay a bill that is not mine, especially when I was taken advantage of during our past relationship.
Consumer complaint received 2022-07-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (FL)

I, XXXX XXXX, the federally protected consumer, is the Successor in Interest to the Estate of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX whose address is XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Fl XXXX is a Third party debt collector. XXXX, XXXX, XXXX XXXX XXXX XXXX has used abusive debt collection practices without prior consent of the consumer given directly to the debt collector. A debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer Without prior consent from the consumer given directly to the Third party debt collector Pursuant to 15 USC 1692c. As the consumer, I herby notify XXXX, XXXX, XXXX XXXX XXXX XXXX that I, consumer, wishes the debt collector to cease further communication with the consumer. XXXX, XXXX, XXXX XXXX XXXX XXXX shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ; to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. XXXX, XXXX, XXXX XXXX XXXX XXXX has violated me by their abusive debt collection practices pursuant to 15 USC 1692d Harassment or abuse, 15 USC 1692e False or misleading representations, and 15 USC 1692F Unfair practices.
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (CA)

After months of follow up, phone calls to Apple/Goldman Sachs they have failed to remove the three 30 days late reported on my credit report. This is no longer a dispute as Apple/Goldman Sachs acknowledged that their system caused a failure in my ability to pay the account. They promised to correct this, but several months have gone by and this still shows up on my credit report. This has impacted my ability to obtain a mortgage, now rates have jumped up 2 % higher causing me thousands of dollars in damages. My next step after this complaint is to file a lawsuit for damages.
Consumer complaint received 2022-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (TX)

I booked a flight for my mother in law and father in law in XXXX of XXXX. These flights were booked for a departure in the end of XX/XX/XXXX. The tickets were paid through Chase XXXX XXXX with no points at all, just full cash. The airlines, XXXX XXXX, changed the timing of the flight which was a problem and prompted me to cancel. The flights were canceled in XX/XX/XXXX. The airlines approved the cancelation minus a {$50.00} non-refundable tax fee. I was fine with this. It has now been four months and I have not received the refund of {$2700.00}. Every time I call Chase XXXXXXXX XXXX  I am told that XXXX has not released the funds. I've been on hold for hours each time. Once I was told that it will be refunded in 48 hours. It has been two weeks and I have still not received the refund. I called today and was back to being told that XXXX has not released the funds. I asked what was being done to press them to refund and was told that Chase is just waiting. They have not been emailing or calling XXXX at all. Four months is a long time to wait for a refund of this large amount and I have no idea when it will ever come if no one acts on this.
Consumer complaint received 2022-06-27
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. (IL)

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 XXXX 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 XXXX 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 XXXXdays 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 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 im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-09-20
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. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section A 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-07-28
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$72.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXX : {$7500.00} XXXX XXXX Date of inquiry : XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc. (GA)

I have been trying to access my GRAIN TECHNOLOGY acct since XXXX of XXXX. I have opened multiple tickets regarding this and no one has gotten back to me. I went to their XXXX page and noticed other consumers complaining about the same issue. My account info is no longer attached so payments arent being auto deducted but thank God because I cant even access the account to manage any bank info. When trying to use the app it just is a blank idle screen and it never works no matter if u update it or not. They can report my late pmts and tank my credit score but there isnt even a way to speak with a live rep. I would call this company fraud at this point because they dont respond to you theres not way to access my account and my score is being severely affected due to this company
Consumer complaint received 2022-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

It was very difficult to open a business checking account under the same XXXX number. 
Chase Bank XXXX XXXX XXXX XXXX, TX XXXX. 

The staff were uninformed about XXXX. I was told that I cant use the same XXXX to open another business. 

To much waiting for a simple job and very unprofessional Vice President. XXXX XXXX XXXX, XXXX ID XXXX The vice President of the bank, XXXX XXXX XXXX, threatening me to forcefully remove me from the bank.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (IL)

XX/XX/2022 i applied for a wyndham credit card the card i applied for i applied fo was denied i was given a card that had less favorable rates and a very low credit limit i have excellent credit according to XXXX XXXX  XXXX on XXXX XXXX and XXXX on XXXX i feel the only reasioon i was denied is because of my XXXX
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

I've sent a number of letters to get these inaccurate information corrected The Credit bureaus stated that XXXX : Account # : XXXX, XXXX XXXX  : Account # : XXXX, XXXX : Account # XXXX XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, DEPTEDXXXX  : Account # : XXXX, XXXX : Account # : XXXXXXXX XXXX : Account # : XXXX, XXXX XXXX XXXX  : Account # : XXXX was properly investigated and verified but how is this possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 

This is grounds for removal. They also violate my rights under 15 U.S.C 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I havent given these accounts written permission to furnish these accounts on my credit report.
Consumer complaint received 2022-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 3rd 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 alleged fraud or extortion. 




XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$3000.00} ; XXXX XXXXXXXX Balance XXXX {$3200.00} ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX : {$7900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX Balance : {$5400.00} ; XXXX XXXX  XXXX Balance : {$13000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$890.00} ; XXXX XXXX  ( Original XXXX : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

in accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have to 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 2022-07-28
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: CITIBANK, N.A. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.

If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.XXXX XXXX XXXX XXXX XXXX NY XXXX, CITI XXXX