davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (NC)

I requested validation of a debt on XX/XX/XXXX from this collection agency. I have not received an validation of debt as of XX/XX/XXXX. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to Wake Emergency Phys P A for them to release my medical information to a third party ( Amerifinancial Solutions ). I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization -Please provide a breakdown of fees including any and all collection costs and medical charges -Please provide a copy of my signature with the provider of service to release my medical information to you -Immediately cease any credit bureau reporting until debt has been validated by me I have not received any information from this company. They are in clear violation and I requested deletion of this account from XXXX
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

I AM A CUSTOMER OF WELLS FARGO FOR CHECKING AND SAVINGS ACCOUNTS, ON XX/XX/2021, MY SAVINGS ACCOUNT WAS HACKED, AND A {$5000.00} WIRE TRANSFER WAS MADE TO A PERSON, WITHOUT MY AUTHORIZATION, TODAY XX/XX/2021, I RECEIVED A LETTER FROM THE FRAUD DEPARTMENT, STATING THE CASE WAS " CLOSED '', HOWEVER, THE MONEY ( {$5000.00} WIRE TRANSFER + {$30.00} PROCESSING FEE ) HAS NOT BEEN RETURNED TO ME. I CALLED THE BANK IN MEANS OF GETTING SOME HELP AND I KEPT BEING SENT TO DIFFERENT DEPARTMENTS, IN WHICH NO SPECIFIC ANSWER WAS GIVEN TO ME. AS PER MEANS OF THIS COMPLAINT, I REQUEST HELP IN BEING ABLE TO GET MY MONEY BACK. THANK YOU SO MUCH, HAVE A GREAT DAY.
Consumer complaint received 2019-02-02
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. (CA)

XXXX is continuing to stick by the lie that they attempted to notify me about my deferment and forbearance periods ending. 
They never did, until my loan was almost in default. Then of course I responded immediately, as I would have if they actually would have attempted to contact me in any way, shape, or form. I believe they deliberately denied me information and avoided contacting me as long as possible to maximize the amount of interest on my loans.I had the same loans previously with XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX/ XXXX  XXXX XXXX and never once had a problem with a late payment or communication issue. It is only when my loan was transferred to XXXX that I began to have problems. Not a single phone call, automated or not, to me until I was almost 180 days past due, when I know I should have been in forbearance or had a XXXX payment due to my income based repayment plan. Seriously if XXXX the only option available to you, it is best to flip burgers. You'll likely come out ahead in the end, read any other complaint listed here or just search for news articles about them on the internet. They are not difficult to find.
Consumer complaint received 2022-05-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

To someone who can help me, I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help in this matter.
Consumer complaint received 2021-09-17
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. (DE)

I submitted disputes for a fraudulent account and fraudulent hard inquiries on my credit reports. 

XXXX XXXX Equifax Account - XXXX  XXXX {$2500.00} XXXX  Hard Inquiries - XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to XXXX
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP (NJ)

Valley bank has restricted my card. this is the 3rd time in the past 10 days that they have shut my debit card down. I believe the bank is harassing me. Because I haven't had access to my money I have been damaged.
Consumer complaint received 2021-09-17
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.
Consumer complaint received 2021-09-17
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. (SC)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-08-25
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. (MA)

I have called the company and made disputes and the information remains unchanged. My credit is set at over 101 % on my credit report and the information is false. My balance in up to date and has been. They reported the balance on XX/XX/2021 and the balance is incorrect. I have been disputing for a month and calling the company and I have received no help.
Consumer complaint received 2021-08-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NC)

I reserved a five-day stay at Marriott XXXX, and we stayed five days. During one night of our stay, occupants in the room next door were being disruptive and were doing damage to the room. We reported the issue to the front desk three times. At approximately XXXX the police arrived to remove the occupants from the hotel. 
Following the incident, I went to the front desk on 3 separate occasions to lodge a complaint and request a credit for the night. Each time I was told no manager was on duty to assist me ; they took my name and number and assured me someone would contact me. No one ever did. 

I did not authorize Marriott to charge me for the full amount of the stay, however, they did so when we left the hotel - I did not sign anything indicating that I agreed with the amount of the charge. 

The next day, I called my card issuer, Chase, to dispute the amount of the charge. I spoke with three individuals at Chase, including a supervisor. They told me it was not their job to assist with customer service issues, and that I had no recourse from them. 

Based on my own experience with other card issuers, and from what I've read, I believe it is the responsibility of the card issuer to assist in resolving discrepancies between service providers and consumers : XXXX XXXX XXXXXXXX XXXX I promptly closed my account with Chase.
Consumer complaint received 2019-02-02
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: LEXISNEXIS (FL)

LexisNexis has been notified of mailing address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida XXXX COMPLAINT Violation : The three credit bureaus within the past 30 days has stated LexisNexis has provided my information that is under a security freeze in violation of Florida 501.005. 

The 2018 Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter 501 CONSUMER PROTECTION View Entire Chapter 501.005Consumer report security freeze. 
( 1 ) For purposes of this section, a security freeze means a notice placed in a consumer report that prohibits a consumer reporting agency, as defined in 15 U.S.C. s. 1681a ( f ), from releasing the consumer report, credit score, or any information contained within the consumer report to a third party without the express authorization of the consumer. This section does not prevent a consumer reporting agency from advising a third party that a security freeze is in effect with respect to the consumer report. For purposes of this part, the term consumer report has the same meaning set forth in 15 U.S.C. s. 1681a ( d ). 
( 2 ) A consumer may place a security freeze on his or her consumer report by : ( a ) Making a request in writing by certified mail to a consumer reporting agency. 
( b ) Including information that properly identifies the consumer. 
( 3 ) A consumer reporting agency shall place a security freeze on a consumer report no later than 5 business days after receiving a request from the consumer. 
( 4 ) The consumer reporting agency shall send a written confirmation of the security freeze to the consumer within 10 business days after instituting the security freeze and shall provide the consumer with a unique personal identification number or password to be used by the consumer when providing authorization for the removal of a security freeze on his or her consumer report pursuant to subsection ( 5 ) or subsection ( 11 ).
Consumer complaint received 2021-10-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

CareCredit..I obtained the card in XXXX unknown to me the Dentist XXXX XXXX charged the whole amount this was at the start of the pandemic .I put in a dispute for the charge which care credit refunded and never informed me that He Refunded the card completely on XX/XX/2021 and Care Credit is Saying that I still Owe them thousands of dollars and I have been making a payment every month of {$300.00} which is more that what they said was due I never got a bill with a charge just what I owed I had them send me the statement and they refuse to refund all the payments I have made to this account since last year. The bank appears to have people that are not American handling the customer issues which makes this so hard to understand. I was asked if the work was completed and I informed them I did not and he also billed my insurance. They Owe me a year of payments I have all copies of the bill my Name is XXXX XXXX I live in XXXX Il I am paid what I owed and they refuse to refund my payments back account number XXXX XXXX XXXX XXXX and my phone number is XXXX PLEASE HELP ME!!!!
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (TX)

Security Concerns Regarding the XXXX Rewards Credit Card Administered by XXXX XXXX XXXX I would like to formally lodge a complaint concerning the weak security processes associated with the XXXX XXXX Credit Card administered by XXXX XXXX XXXX. 

I recently opened a XXXX Rewards credit card account through XXXX XXXX XXXX. According to XXXX, my credit card was sent to me via mail ; however, I never received it. A few weeks after opening the account, my XXXX account was inexplicably locked. After contacting XXXX customer service, they assisted me in restoring access to my account without telling the root of the problem. At the end of the call, I informed the representative that I had not received my credit card. I was subsequently transferred to the credit card department, where I was informed for the first time that my card had already been activated and that there were several unauthorized charges on the account. I have since disputed these charges, and the matter is currently under review by XXXX XXXX. 

In light of this situation, I would like to see XXXX made to XXXX XXXX ' security processes : Weak Activation Process : The current activation process is inadequate. Credit cards are sent via regular mail, and the only information needed to activate the card is the last XXXX digits of the cardholder 's Social Security XXXX ( XXXX ) in addition to the one that printed on credit card. Furthermore, the suspect is not even required to log in to XXXX to activate the card. Given the prevalence of XXXX data breaches, this is not a secure or sustainable approach. 

Lack of Activation Notifications : There is no notification or email sent to the cardholder when the credit card is activated. As the cardholder, I was unaware that my card had been activated and used. This lack of communication exacerbates the risk of fraudulent activity. 

I trust that you will address these concerns and consider implementing stronger security measures to protect your customers. 

Thank you for your attention to this matter.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer Social Security # XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consist of auto loans, auto insurance ( collections ), and credit cards. 

Account Name : XXXX, Account number : XXXX, Account Balance {$36000.00} ; Account Name : XXXX  XXXX, Account Number : XXXX, Account Balance : {$490.00} or {$500.00} Account Name : XXXX XXXX, Original Creditor : XXXX Account Number : XXXX, Account Balance : {$300.00} Account Name : XXXX XXXX, Original Creditor : XXXX, Account Number : XXXX, Account Balance {$300.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity theft XXXX  Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2019-12-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CT)

A Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to accounts not authorized and did not need or want, fees charged to these accounts. There have been no such attempts, he mentions such attempts in prior replies to CFPB complaints. His responses seem to be a general form letter, he has not detailed any of of the attempts at resolution. I can assure the CFPB Wells Fargo has not made any attempts, he is lying. I've filled out a total of four mediation request forms to date, a settlement offer was made by Wells Fargo rep, XXXX XXXX, it was accepted but no payment received. Failing to honor their offer, I requested a refund of {$610.00} which was detailed in my mediation requests, it was later denied citing a check supposedly sent to me prior which was never received. Needless to say, nothing resolved and again, any supposed attempts at resolution are entirely bogus, a lie. Wells Fargo is well aware of resolution which is a refund of {$610.00} for fees charged to accounts opened which I mentioned above. They have denied this request, additional complaints will be filed in regard to this matter. A refund of {$610.00} will resolve this..
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have sent over 5 separate request asking for federal law to be applied to my credit report based on XXXX. I provided the attestation form the organization and my ID. They keep asking for the same information that I have sent them several times in response to their request for additional information.
Consumer complaint received 2024-08-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MN)

Transactions on XX/XX/XXXX and XXXX amounting to XXXX I reported it on XX/XX/XXXX with documents, thy gave me a line of credit expanding about 20 days. Than denied my claim.they gave me a Email to request reasons why denied that wasn't valid for them to provide the details of why it was denied. I have documents showing a new sign in. Hacked my XXXX account and that was proven.
Consumer complaint received 2020-01-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HOVG, LLC (FL)

I HAVE NEVER HEARD OF OR HAVE BEEN MADE AWARE OF HAVING A DEBT WITH BAY AREA OR XXXX XXXX. I RECEIVED AN ALERT ON MY CREDIT MONITORING SYSTEM AND I WAS ADVISED THE ACCOUNT WAS REMOVED. HOWEVER, THERE WERE 3 ACCOUNTS AND ONLY 2 WERE REMOVED. HOW IS THAT POSSIBLE? THAT ACCOUNT THAT REMAINED WAS THEN UPDATED TO A COLLECTION. WHERE IS THE DOCUMENTATION? WHY WASN'T I NOTIFIED OR GIVEN AN OPPORTUNITY PRIOR TO RESEARCH THIS FALSE CLAIM. 

THE SYSTEM IS FLAWED, IT'S NOT FAIR TO JUST APPEAR ON MY REPORT AND IMPACT MY LIFE AND NOW I HAVE TO FIGHT TO REMOVE IT AS OPPOSED TO CONTACTING ME VERIFYING AND CONFIRMING IT IS MY DEBT PRIOR TO THIS ACTION. 

I MAKE IT MY DUTY TO PAY MY BILLS TO NOT BE IN THIS SITUATION SO IT IS VERY FRUSTRATING TO HAVE TO DEAL WITH THIS.
Consumer complaint received 2020-01-25
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (NC)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-02-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (MA)

I tried to transfer out {$5.00} from my Discover savings accounts to my checking account at a different bank. I received this message, " Your transfer must be greater than or equal to {$25.00} ''. I have not had this experience with other banks savings accounts where a minimum amount is required to set up a transfer without using a bank representative. Is this allowed under bank regulations to prevent access to funds if less than {$25.00} is available?