davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX I received two deposits in my Wells Fargo checking account, one for XXXX dollars for " CREDIT FOR FEES ASSESSED IN ERROR '' and one for XXXX cents for " PAYMENT FOR TIME WITHOUT FUNDS OWED YOU ''. At no point did Wells Fargo notify me about anything regarding these charges, not via mail, not via phone, not via email, not even via their online message system. I called and spent an hour on the phone, finally reaching their remediation team, who told me that Wells Fargo had conducted an internal review of all their transactions between XX/XX/XXXX and XX/XX/XXXX and that an error was discovered which caused them to credit my account. They could not tell me how much of my money was affected, the nature of the error that caused me to lose funds, how long my money was gone, why this error occurred, or why I wasn't notified. I asked those specific questions multiple times. Wells Fargo messed up my money, kept it for an unspecified amount of time, and then threw XXXX cents at me, hoping I wouldn't notice the issue. I want answers to my questions ; what was the error, why did the error occur, how much of my money was affected, how long was my money gone, and most importantly, WHY WASNT I NOTIFIED. If I had accidentally stolen money from a bank, it would not have ended with XXXX cents and a nonexistent apology. It's unacceptable for a bank to act this way.
Consumer complaint received 2022-09-23
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)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2022-09-17
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: ERC (WI)

I have never heard of or done ANY business with ENHANCED RECOVERY COMPANY They have no right to report anything on my credit report. If so then they should have validated the debt showing that I have an account with ERC that is in default. 
Further more, this issue is fraud and now in litigation to have the item removed
Consumer complaint received 2021-07-19
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: JPMORGAN CHASE & CO. (GA)

The inquiries listed are unauthorized and fraudulent inquiries. I did not consent to the following inquiries. 

XXXX inquiry date was XX/XX/2020 inquiry date was XX/XX/2020
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC (TX)

Its been 4 months and still nothing from Box Loans. Enter at your own risk, Beware of these guys. You're better off keeping your current mortgage vs. attempting to complete a refinance with these guys. Not consist and always have an excuse for their mess ups. Management needs to realize that the people representing this company is a reflection of them. But again, when you're making money, giving people the run around, and lying to cover your tracks, I don't think one customer would make a difference to them. Four months to complete a simple refinance is unacceptable, but again its due to COVID-19. These guys have yet to say, we are weak, don't have the man power to make thing happen in a timely manner. Just man up and say we XXXX  up, and we are very sorry for the XXXX  we are giving you. As of today, I am still waiting on a REAL manager or the President/CEO of the company to contact me regarding the several issues I am experiencing. This has cost me time and money, not to mention I was going to give them two more properties to complete on my behalf. I have gone through 3 seasons and still don't have this loan completed. It doesn't make sense for my clients or friends to start a refinance 2 months after me and complete it a month ago, and got better over customer experience/customer service. I will have my attorney file a formal complaint within the federal and state level regarding this matter. Your action throughout the entire process has lead to conclude I am a victim of discrimination.
Consumer complaint received 2022-06-22
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)

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 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
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, 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 so XXXX XXXX XXXX  has violated this law because this late payment had been deleted from XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX because they realized that the information is inaccurate, but it is still reporting on Experian and XXXX and is a violation of my right to privacy because I didnt give them permission to report it publicly.
Consumer complaint received 2022-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridge IT, Inc. (KS)

So Ive been cleaning up my credit reports and I happened to notice this tradeline from BrigitXXXX XXXX XXXX there with a Closed, Paid status with 3 late payments reporting on my credit reportsthe problem is is that I NEVER had an installment loan with this company..I contacted them and they said that they deleted the account and any information pertaining to this fraudulent account, but here it is months later and its still on there for some reason. So I contacted them again and they say they have no information in their system involving an account with my credentials reporting to the credit reporting agencies, BUT THEY DO!!!! As you can see in the screen shot provided. It is reporting on my reports which is hindering my financial freedom and it needs to be rectified IMMEDIATELY.!!! Remove this fraudulent trade line from all 3 credit reports, ( XXXX, XXXX, XXXX ) or I will be forced to proceed with my legal representations advice of graying legal action against you all. Litigation will commence if this isnt rectified immediately.
Consumer complaint received 2019-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I secured a prepaid Netspend debit card six months to a year ago, to be used specifically for online purchasing. On XX/XX/2019, I attempted to use the card to make an online purchase when the purchase was declined by the bank for irregular activities, notwithstanding the fact that I have been using the card consistently for a number of months to purchase very similar items from the same online vender. Since the declined attempted purchase was in every way consistent with all previous purchases, I couldn't understand why my purchase had been declined, nor how was such an irregular activity. I contacted Netspend four times on XX/XX/XXXX regarding this issue, each time I was told that the issue had been resolved and I could continue using the card. However, on each subsequent attempt that day, I continued to get the same results and the same explanation., Finally during my last call on the XXXX, as a result of my frustration with the situation, I requested that the card be cancelled and my funds loaded on the card be returned and refunded. I was informed during that conversation that the card had been cancelled, a refund requested and issued and that I could expect to receive my refund of {$30.00} by the XXXX of XX/XX/2019, via US mail. However, commencing on or about the third of XXXX I began to diligently check my mail each day in search of the refund check I was expecting from Netspend, as of this date, XX/XX/2019, I have received no refund from Netspend. I telephoned Netspend at XXXX on XX/XX/XXXX and Informed them that I had not received my refund and I was attempting to follow up to determine what next to do. During this phone conversation I was informed the refund check had been mailed on the XXXX of XXXX and that it should arrive to me by Friday the XXXX, however, as stated above, no such thing has transpired. Thirty dollars isn't a lot of money, however it is a lot if they do this to a thousand or a million people.
Consumer complaint received 2022-08-19
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. (MO)

This is XXXX XXXX and I am submitting this CFPB complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update these suspicious information. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINTS, and I'm including these again : XXXX XXXX Balance Owed : {$24.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-09-17
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)

Hi I am submitting this XXXX 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 more then 29 times nonstop this is exhausting 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (TX)

This is not a duplicate complaint but a complaint of credit card companys payment policy. My credit card was stolen and because of Discovers payment policies the credit limit was exceeded and even doubled when bogus payments were made by the thieves which then bounced. Let me explain. The thief used the card up to the credit line and then called and made bogus payments as many as 4 times in a short period! And Discover kept accepting the payments and freeing the card to use. Discover never put a hold on payments like banks even when the thief used the same bogus account number multiple times. Discover surprisingly was not aware of this tactic until I brought it to their attention by requesting the method of payments. I am not responsible for Discovers 21st century payment inadequacies. We are in the year 2020 and it should be easy software to put a hold on a payment like banks especially when the same bogus account is used. Discover could have prevented the theft of more than {$5000.00} by having a policy holding payments until cleared through bank. Even if Discovers software is elementary and doesnt allow a hold, they should have at least been alarmed when multiple bogus payments were made. I did not authorize the payments and the account used was not mine. Clearly fraud. However, Discover denies  fraud and accuses me of siding with the thieves to my own detriment. Unbelievable!
Consumer complaint received 2021-07-20
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. (FL)

XXXX XXXX claims that I have a debt with them. I am disputing this debt with Equifax. Equifax claims to have evidence from the original XXXX XXXX XXXX XXXX that validates the debt. The evidence they have presented in no way validates this debt. It looks like something XXXX made up on their computer and submitted. I could make up the same thing thing on my computer and put Equifaxes name on it. I want to see a signed credit card receipt with my name on it. If they dont have that then I need to see a copy of the credit card agreement between me and XXXX XXXX XXXX. If they dont have that then I need to see the phone records from XXXX XXXX XXXX from when I activated this alleged credit card. There is nothing that validates this debt yet Equfax claims to have proof of debt from original creditor but they refuse to show it to me. What they have presented does not validate this debt in anyway. See the attached document that Equfax has presented as proof of debt validation. I have asked XXXX 4 times ( all 4 times I submitted my request VIA the XXXX SC XXXX ) to validate this debt and they have yet to reply. I sent my first request to XXXX through the XXXX XXXX on XX/XX/XXXX ). The only thing XXXX has sent me is proof that I have not paid them. They have yet to submit the first credit card receipt with my name on it. They have yet to produce the credit card contract or alleged contract. They have showed no proof except for an alleged bill from XXXX XXXX XXXX. I could have made that same thing on my computer and put their names on it. If Equifax has actual proof that validates this debt I want to see it. I did not have a credit Card with XXXX XXXX XXXX in XXXX. I do have an unsecured credit card with XXXX XXXX XXXX but it is in good standing. If they can not produce Credible proof of this alleged debt then I want XXXX ( AKA XXXX XXXX ) trade line removed from my credit report. I have also request debt verification from XXXX through the CFPB and have yet to receive a response. I have attached the last response I received from XXXX XXXX. ( This was not through the XXXX of CFPB ) This was a response to a e-mail I sent them asking for debt verification.
Consumer complaint received 2022-06-09
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: SYNCHRONY FINANCIAL (TN)

Its inquires I know nothing about someone said someone was trying to get cars and furniture under my name Syncb/PayPal XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-09-17
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. (MD)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} U S DEPT ED XXXX Balance Owed XXXX {$0.00}
Consumer complaint received 2022-09-17
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. (MD)

I called the 3 credit Bureaus after I purchased a credit report with smartcredit. After receiving a copy ofmy report, I saw these UNVERIFIABLE accounts on my personal profile. I sent a letter to the 3 credit bureaus last XX/XX/2022 and its over 30 days after I sent the letter. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Hoping that these listed accounts Late payments will be removed. 
XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$11000.00}
Consumer complaint received 2022-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

A person stole my identity and used the Tele-Check services inside a Casino to withdraw {$980.00} from my Checking Account with XXXX XXXX  XXXX However, due to suspicious several withdrawal attempts by the person that stole my ID, the bank had notified me to verify if that was me. Since I didn't know any of these transactions, the bank has stopped all of payment and advised me to close that account and reopen it with a new account with the XXXX XXXX. 

At the end of XX/XX/2022, I received a Debt Collection letter from TRS Recovery Services XXXX Inc. indicated that I owed {$980.00} and I responded to it a Letter explained that I never went to a Casino or used any Tele-Check services inside a Casino. In the Letter, I told them that Casino has ton of cameras that recorded every moment or services. They can pull out the video at the time of the Tele-Check cashing at their Cash Cage, then they will have the picture of that person that stole my Identity. On XX/XX/2022, I received a Letter from TRS advices me to file this report and provide all the information necessary for them to investigate.