davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
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: JPMORGAN CHASE & CO. (OK)

XX/XX/XXXX : Merchant " XXXX XXXX '' charged correct amount of {$400.00} for " moving service ''. The merchant then continued to manually charge my credit card number without authorization for additional {$400.00} on XX/XX/XXXX and again {$400.00} on XX/XX/XXXX. I contacted the merchant multiple times and could not get a response. I contacted Chase credit card Fraud service and went through the fraud steps -- submitting a letter and text message documentation supporting my argument. Chase reviewed my documentation and refunded my fraud charge. Then the merchant " XXXX XXXX '' responded to chase without documentation and Chase Bank went back on their decision and charged my account an additional {$400.00}. I tried working with them further but received no help. I cancelled my credit card and changed banks because further issues occurred where Chase was withholding my other funds without reason. Over 6 months after cancelling, I received late bills from this credit card. I called to resolve and got some of the late fees taken care of but not all. I just received a letter that my credit score has been negatively affected by this fraud charge and incurred late charges due to the incompetence of the credit card service not shutting my card off.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : WELLS FARGO XXXX ( XXXX ) Date Opened : XX/XX/XXXX Balance : The creditor agreed to delete this account, please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX
Consumer complaint received 2022-07-05
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. (MI)

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 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 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 daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-07-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

In XX/XX/2021, I visitied XXXX  and XXXX XXXX XXXX with insurance. Neither health centre filed invoices for my visits against insurance. They reported invoices as unpaid to XXXX XXXX XXXX. 

Following months of trying to have the invoices correctly filed to insurance, I engaged the help of the Head of the Department of XXXX. His engagement resulted in the invoices filed correctly to insurance and a letter of apology. 

I have tried to have the erroneous credit entry removed with success, except for my engagement with Equifax. 

Equifax refuses to engage with XXXX XXXX XXXX and present the physician 's letter of apology. Whereas the other two credit reporting agencies correctly engaged with XXXX XXXX XXXX and removed the erroneous entries, Equifax takes no action, stating that the entry is correctly reported. The reference numbers for my effort to resolve the situation with Equifax are : XXXX, XXXX, XXXX, and XXXX. 

Before contacting the credit reporting agencies, I contacted XXXX XXXX directly. XXXX XXXX declined to remove the erroneous entries. XXXX XXXX may be contacted at : XXXX XXXX XXXX ( XXXX ) XXXX. 

The erroneous hospital invoices are : XXXX XX/XX/2021 for {$160.00} XXXX XX/XX/2021 for {$1200.00}, and XXXX XX/XX/2021 for {$320.00}
Consumer complaint received 2022-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (TX)

An outstanding bill is showing in my credit report that is with XXXX XXXX but has been sold to Transworld Systems. This debt is well over 7 years old, but Transworld Systems shows it as an active account open in 2020. But that is false, this account should have fallen off after 7 years because it is a very old account and I have since filed and been discharged in bankruptcy in which it should have cleared in the bankruptcy. This old account has been sold to a third party whose try to collect the debt. I have called XXXX XXXX and they have no record of an account in my name and the number I found for Transworld Systems on XXXX is disconnected.
Consumer complaint received 2021-08-13
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. (MN)

XXXX XXXX XXXX sent an official letter stating card ending in ( XXXX ) has been closed since XXXX. Equifax and XXXX shows a reporting of account is still open in the years ( XXXX & XXXX ) and still reporting actively. They have sent me a letter saying they made mistake and rep did not officially closed card down in XXXX when it was paid in full, and now its actively being reported. Please accept this letter from XXXX XXXX that is attached in the complaint and resolve this credit reporting issue urgently! I am closing on a house in 2 weeks and this can not wait 60 days to resolve. Please give a detailed explanation as to why this can not be resolved with official letter provided by the company stating this is an error.
Consumer complaint received 2021-08-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (GA)

I established this loan in 2003 as a co-signor for my ex wife. The loan was originally for roughly around {$7900.00} funded by Sallie Mae for her to attend medical billing school it has since been assumed by Navient. 
In 18 years this loan has grown to over {$11000.00} because of all the deferments and forbearance by the primary borrower, so in over 18 years the loan has gotten worse with little to no assistance from the primary borrower. 
I have attempted on several occasions to lower or remove all of the interest and negotiate the principle but have been unsuccessful. 
She attended XXXX XXXX in which was a total rip off and did not help her gain employment in that field at all after completion
Consumer complaint received 2020-01-23
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: Auto Trakk, LLC (KY)

On XX/XX/2015, I purchased a vehicle from XXXX XXXX XXXX, in XXXX, KY. I was under the impression that I would be purchasing my vehicle directly from the dealership. No mention of my purchase being a lease, or being sent to another company was ever discussed. I am attaching a copy of my original purchase receipt, which makes NO mention of a lease agreement, or a leasing company!!! 

My information was supposedly handed over to Autotrakk LLC without my knowledge. This company, after a lawsuit was filed by the Attorney General of West Virginia, was required to vacate any debt that they claimed was a result of a repossessed vehicle. They then changed the status of the debt that they were incorrectly reporting under my name from " Reposessed, '' which would have forced them to remove the debt as agreed in the lawsuit settlement, to " Voluntary repossession, '' which allowed them to continue to unlawfully claim this debt as being mine. 

Other than another lawsuit against this unscrupulous company, nothing will make cease their fraudulent claims that they can not and have not proved, as required by FCRA regulations. They continue to skirt these laws and they are allowed to do so by the credit bureaus, as well as by any agencies that do not force them to produce the full proof of debt, including signed contracts between myself and the responsible party, as they so claim.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2022 at about XXXX pm I got a call from Wells Fargo XXXX department asking me if I did an advance from my Wells Fargo Credit card to Checking and if I opened a XXXX account and sent money. I told them I never have done that in my life. I have been with Wells Fargo for at least XXXX years. {$2500.00} was advanced to my checking and XXXX withdrawals of {$200.00}, {$250.00}, {$240.00}, and {$240.00} totaling {$940.00} were sent through XXXX to XXXX XXXX which I have no idea who that is. They stopped anymore withdrawals. ( There is still {$1500.00} in my checking account left from the transfer which I don't know what to do with.. I'm waiting for the bank to tell me what I should do with this left over money. 
A few hours later XXXX more transfers came visible of {$2500.00} each which Wells Fargo XXXX They closed my accounts and issued new accounts with new passwords etc. They told me every thing was okay after that. I called the XXXX XXXX. a couple of times to check on things because my account still showed {$2500.00} on my XXXX XXXX as an XXXX. They told me everything was ok and not to worry as I was leaving on the XXXX on XXXX for a XXXX week vacation.. When I got home on XX/XX/XXXX I got a letter from the XXXX XXXX. saying there was no evidence of XXXX since the unauthorized transactions took place on line. They said I did it or someone I know did the transactions. I live alone and no one has ever had my cards or passwords EVER. On XX/XX/XXXX I spent more than XXXX hours on the phone with the XXXX XXXX. telling my story and looking for answers. They transferred me to Claims, Credit Card XXXX, Everyday Banking, back to the online Fraud Dept, to a Resolution XXXX ( Stephaney in Florida ) who said someone from the XXXX XXXX will be calling me in 10 days. They also told me they would not show me proof that I did this transfer. 

In the mean time, on XX/XX/XXXX I went to my branch office of Wells Fargo in XXXX XXXX, MN and the banker XXXX XXXX XXXX made a complaint to the XXXX Department on this situation. Since then I have heard nothing from the XXXX Department. I checked with XXXX about the complaint and she hasn't heard anything. It is now XX/XX/XXXX. 

I don't know what else I can do. I want to fight this as I don't have that kind of money to give back to the bank. I live on XXXX XXXX Please advise me of what action I can take.
Consumer complaint received 2022-07-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY (PA)

Numerous times in the last 5 years the bank has put a hold on my account claiming the checks that were deposited were not paid. It wasn't until the pandemic that I had the time to follow the money. As it turns out that since I have had the ability to follow the money, the bank receives the check is paid for it and at a later date places a hold it, after the bank receives the funds for it. The hold is extensive, usually ten days while they overdraw the account and claim to my creditors that the account has insufficient funds, but never notify anyone that they had placed a hold on the account even after they had collected the funds. 
This seems to happen at least once a month with the latest hold happening XXXX even after the deposit was paid on XX/XX/XXXX. This has caused me thousands in bank fees, late charges and has adversely affected my credit rating making it almost impossible to get any type of credit at a completive rate. 
I am in the process of having my accountant tally what the cost has been to me over the the time I had filed the last complaint XX/XX/XXXX.
Consumer complaint received 2022-11-07
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. (KY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

Upon inspection of my credit report, I noticed the following information is incorrect : My full name- There should be no other names listed on my report. Please remove all the other names you have listed as they are incorrect. 

My date of birth is reported incorrectly. 

My social security number is reported incorrectly. 

My current address - Any other addresses are undeliverable, and I have no access to them. Please remove these incorrect addresses immediately. 

You have listed several companies as employers. These are not my employers, please remove from my report. 

I do not wish to have any telephone numbers on my report. 

Attached is the supporting documentation to validate my dispute. Please update your records promptly.
Consumer complaint received 2021-04-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Unauthorized charges withdrawn from my Wells Fargo savings account to a company called XXXX for a total of XXXX. Two transactions on XXXX for a total of XXXX dollars and XX/XX/25 total XXXX and XXXX. Total withdrawals XXXX. I emailed XXXX  got no response. Contacted Wells Fargo filed a claim number XXXX
Consumer complaint received 2022-09-24
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. (CT)

I have a collection account on my credit report. I have been asking for documentation for over 6 months and the company refuses to provide it. I have also asked equifax to look into the debt and all they do is tell me that they verified it was owed by me but will provide no documentation.
Consumer complaint received 2022-07-16
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Optimum Outcomes, Inc. (AK)

This company robocalls our landline number to attempt to collect a medical debt owed by an individual who does not live here and has not lived here since 2020. We have answered the call and indicated that the individual does not reside here, is homeless somewhere in California, and continue to call. They purchased the debt from the Emergency Room physicians who operate the ER at XXXX XXXX XXXX XXXX in XXXX, Alaska. 

The company is Optimum Outcomes, INC they purchase debt from medical providers, including XXXX XXXX physician operating companies.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Enforcement Inc (CA)

My scooter was stolen from my place of residence in XXXX of XXXX. Due to the COVID-19 outbreak, the DMV was closed so I was unable to reach them concerning the matter. I filed a police report. I received a letter in XXXX of XXXX  notifying me that the scooter was found earlier that month and was being held at a tow yard. The letter also notified me that I owed the tow yard over {$500.00} to cover the cost of the towing on top of the rate per day to keep it at the tow yard. I immediately called to let the tow yard know I had filed a police report for the stolen scooter and did not understand why I was not notified before the scooter was towed. I did not agree to have the stolen scooter towed and should not be responsible for the fee. I also told them I did not want to repossess the scooter. It was then sold at auction. Since then, I have continued to receive letters from a lien company claiming I currently owe {$580.00}.
Consumer complaint received 2022-07-05
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. (AL)

I have been disputing this information for years that certain accounts do not belong to me. The credit reporting agencies and the collecton agencies seem to verify the information within hours! This was originally reported as Identity Theft back in 2017, the person involved went to prison over this. Yet, the accounts still sit on all of my reports. I have since filed an updated report with the FTC. 

I have written to all three credit reporting agencies, provided documentation beyond the necessary limits and yet they never remove the information, nor do they acknowledge that they receieved anything from me. 

I have tried to upload documents through their dispute process but the system is always " unavailable '' and just won't upload even the smallest PDF.
Consumer complaint received 2022-12-15
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. (KY)

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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, US DEPT ED : # XXXX, XXXX/DOFED : # XXXX, XXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (GA)

Past due debt paid on XX/XX/XXXX Moneylion XXXX account : : **Instacash debt owed in the amount of {$110.00} from previous debit account loan from XX/XX/XXXX paid from external linked account in full. 
XXXX XXXX XXXX XXXX debt owed in the amount of {$330.00} from Moneylion XXXX account loan from XX/XX/XXXX paid from external linked paid in full. 
**Instacash loan opted into by imposter associated with Identity theft. 
XXXX XXXX XXXX XXXX in the amount of {$500.00} opted into by imposter associated with Identity theft. 
** Unauthorized transactions disputed in my account and I was told that I was authorizing these disputed suspicious activities because the imposter shopped locally as if it were my activities being performed. 

I've been communicating with the financial institutions with no outcome. All detailed information is documented by myself and available upon request. 
I am owed in total {$2100.00} in unauthorized transactions caused by identity theft and the poor administration within Moneylions company. 

The past due previous debt owed is not reflected in my account but registered as loans however. My account also reflects a {$500.00} loan as a charge off on my credit report causing damage to my overall credit score. I would like the negative information removed because the debt was unauthorized and is a result of identity theft.