davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (TX)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2022-06-17
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. (MS)

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 XXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (RI)

Since XX/XX/XXXX of this year i have been receiving emails from XXXX stating that i need to register my account on line for easy access to my checking account and then on XX/XX/2023 my mother recieved a letter at her address, addressed in my name with a debit card that has my name on it. I have not lived at this address in 3 years and I have no need for a XXXX XXXX XXXX. The account was opened in fraud using my personal information, when i called XXXX  they couldnt tell me how or when the accout was opened and they dont have my id on file either
Consumer complaint received 2023-07-19
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$27000.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PR)

XXXX XXXX auto lease account contains incorrect and innacurate information, about payments and balances and should be removed inmediately. 
I have tried to communicate with XXXX, Equifax and XXXX as well as with XXXX XXXX, without a resolution.
Consumer complaint received 2024-11-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: WELLS FARGO & COMPANY (NC)

My property ID number has erroneously been attached to a lien filed by Wachovia bank now in possession of Wells Fargo financial institution. This problemed surfaced only by coincidence. I started with the local branch in XXXX, NC to resolve this issue, which was pointless, followed by relentless hours on the phone being fed ridiculous statements. I finally received an e-mail from a XXXX XXXX that acknowledged the error but no legal separation from this lien. I am not being told no information can be shared with me because I am not named on the complaint. I did seek legal assistance also pointless as he has allowed to the bank to tell him how it would be handled. Me and my property is held by this lien in obligation based on a signature that Wells Fargo is waiting on from the lien holder on this open line of equity credit. The document is filed with the correct names ( not me ) and the address of the lien holder as well as matching description of the correct lien property. My property is not located near or even same identified city of the correct lien property or owner. I do not receive communication from Wells Fargo concerning this open line of credit or any documents that may indicate the line of credit is delinquent. At this point the account could be delinquent, and the bank isn't fixing the error only to take my property. I will not know any legal action taken against my property until it is taken from me and owned by whoever. 

Yes, I have dismissed the attorney I mistakenly chose but seeking another individual that can hopefully do more than sit and wait for my property to be taken. 

My last contact with Wells Fargo was from : XXXX XXXX XXXX Representative XXXX XXXX XXXX XXXX XXXX Wells Fargo XXXX XXXX XXXX Wells Fargo XXXX, XXXX, MN XXXX Tel : XXXX XXXX XXXX
Consumer complaint received 2022-06-17
Product: Credit card or prepaid card — Store credit 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 (PA)

I purchased a bedroom set from Ashley furniture on or about XX/XX/2020. The purchase price was {$3100.00}. The set was brand new. Over the course of the past year or so I had issues with receiving a damage free headboard for the set. The headboard was approximately {$350.00}. I've had 4 headboards delivered, each one had noticeable damage. I was told after the first delivery that they usually try two deliveries, I've had 4. I had to identify the damage, the companies delivery team never did. I worked with the company each time a damaged headboard was deliver. Each head board had touch up paint on it after they were damage, the company knew they were damaged but still tried to deliver the pieces to me each time. The current headboard I have is the last damaged one they delivered. I asked that the matter be escalated to a manager, eventually the company stopped returning my calls. At that point I disputed the amount for the headboard with the credit card company Synchrony XXXX. Their response was, " It is the cardholders responsibility to work in good faith with the merchant to resolve the problem. The merchant has attempted to work with you in order to reach a resolution. Please contact them at ( XXXX ) XXXX, so they can help resolve your issue. '' This is not true, I made a good faith effort to resolve the issue with the company. Delivering damaged headboard after headboard is not a good faith attempt to work with me. My time is valuable, I didn't sign up for this when purchasing the furniture. I've attached a few pictures of the damage headboards, there were others that were taken by the delivery team.
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

Bank of American sent me a credit card in the mail I never applied for. I received a physical card ready for activation and terms and conditions for the product. I never received any confirmation or communication about this product before getting the card.
Consumer complaint received 2022-06-17
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. (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 XXXX 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 XXXX 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 XXXX admitted they had my police report XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2023-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

My chase amazon visa card is charging 29 % interest APR. I am struggling to make payments and pay down my principal because my job was terminated on XX/XX/2023. 

I tried to ask for financial hardship and the representatives at Chase just denied it. I am trying to make my minimum payment but I don't have unemployment insurance or other sources of income. I am trying very hard to land another job or generate income through self employment but not having immediate success.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

These accounts have been listed on my credit report for several months, causing me a lot of stress. Im requesting that you confirm if these accounts are actually mine. The inaccuracies have hurt my credit score and limited my financial opportunities, making it difficult for me to move forward with my plans and goals.
Consumer complaint received 2024-10-31
Product: Credit 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: WELLS FARGO & COMPANY (TX)

Wells Fargo 's Dispute Handling and Outsourcing Practices Raise Customer Concerns In recent years, Wells Fargo Bank has faced a growing number of complaints from customers regarding their dispute resolution processes. Many customers have expressed frustration over the bank 's approach to handling disputes, stating that the process feels inefficient and unsatisfactory. A recurring concern is the quality of customer service, which some attribute to the bank 's cost-cutting strategies, such as outsourcing service roles to countries like XXXX. 

Customers report that the dispute resolution teams lack the training or authority necessary to resolve issues quickly and effectively, leading to lengthy wait times and a sense that their concerns are not taken seriously. Instead of receiving personalized assistance from knowledgeable representatives, many feel as though they are being handed off to teams who may lack the tools and resources to address complex issues adequately. 

Wells Fargos outsourcing to overseas teams, particularly in XXXX, is cited by critics as one reason for the decline in service quality. While outsourcing can be a valuable strategy for companies looking to reduce costs, it often requires intensive training and oversight to ensure that customer service standards are maintained. However, some believe that Wells Fargos choice to outsource may prioritize cost savings over customer satisfaction, leaving customers frustrated with subpar support. 

While outsourcing is a common practice in the financial industry, Wells Fargo 's execution has raised questions about whether the bank is striking the right balance between operational efficiency and customer care. As customers continue to voice their dissatisfaction, many are left wondering if Wells Fargo will take action to improve its dispute handling processes and invest more in high-quality, accessible customer support.
Consumer complaint received 2022-06-17
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. (MS)

In accordance with the Fair Credit Reporting act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX Account # 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 This creditor has been in direct violation of my rights by reporting inaccurate information on my credit report.
Consumer complaint received 2022-06-17
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. (FL)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP (CA)

On XX/XX/XXXX, I went to US Bank to cash a XXXX XXXX dollar check, detached check from invoice with bank teller. Bank teller ask me who is the check from, why would they send me this amount? I ask teller why are you asking me these questions? Teller states because scam and fraudulent checks come to this office daily. Teller ran check through machine and stated it was not variable. Call corporate with XXXX XXXX XXXX department legal department stated they are a vendor with US Bank the teller should have called to verify the check. Branch manager told me today XX/XX/XXXX call CFPD I dont care hes the one discriminated against me. I was completely humiliated he had customers thinking Im there to cash a fraudulent check. He stated deposit it in your own bank, I said Im aware of the policy and procedures this check say US Bank.
Consumer complaint received 2024-10-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IA)

This is in late XXXX of XXXX. I filed a dispute with XXXX XXXX to dispute transactions which were fraudulent. I had been " ripped off '' by purchasing several XXXX XXXX XXXX who represented themselves on XXXX as dealers. In terms of dollar amount, maybe, {$2000.00} - {$2500.00} was spent and lost over XXXX vendors. I filed the complaint with XXXX explaining these items were not delivered and the company 's websites had no support for tracking. I waited a very long time. When XXXX had made the claim, the filed it over the exchange which it took place on, Coinbase. I was a caddie at the time and was saving $ to visit XXXX. Not only did I spent the $ I lost, the remainder was pooled into XXXX XXXX. I had put in about {$1000.00} of savings to be pooled, or " staked. '' I was given a guaranteed interest. I was invited to do this. Anyways, I wake up and check my account and it's gone shortly after filing the claim. All of it. Coinbase liquidated the position I had in the staked pool of XXXX.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANCFIRST CORPORATION (OK)

On XX/XX/year> I received a text message from ( XXXX ) XXXX saying that I qualified for assistance paying my bills. A check was sent out via USPS. Tracking XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. On XX/XX/year> a check arrived for {$2900.00}. I deposited the check into my BancFirst account. The check cleared and was paid out. I was offered a job assisting a real estate agent in listing homes on various websites/marketplaces. Because I did not have an up to date laptop, the company offered to help me purchase one of my choice. On XX/XX/year> a check was sent out via USPS. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I deposited the check in my BancFirst account. The check cleared and was paid out. XXXX not entirely sure what happened at this point but my bank called and said that the checks that were cleared and paid out came back unauthorized. She suggested I get in touch with both places and ask for a check to be reissued. Texting both places back and requesting what my bank suggested and each place agreeing to do so, a check was mailed out via USPS. Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. The check was for {$3900.00}. I deposited it into my BancFirst Checking account. The bank held the check. Then they placed my account on hold and said that it wouldnt be unlocked until the check cleared. They said it didnt and when I asked for the information they used to come to this determination, they refused to provide it. My account is still locked. I have XXXX access to my account or to my money. The bank said that they would end up charging my account off and report it to the credit bureau if I didnt make a payment to cover the overdrawn amount of {$2300.00}. XXXX XXXX was supposed to call me 8 days before this action to offer what they call a XXXX XXXX XXXX to cover the amount of my overdrawn account. But that I had to pay the loan back in XXXX equal payments and if I failed to do so, they would charge my account off anyway and report it to the credit bureau. It is XX/XX/year> and I have yet to hear from the bank. I do not feel like its right to treat the situation as fraud on my part as I didnt write the checks or have anything to do with the process. I also contacted the FDIC since my bank is backed by them and they referred me here.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2022-06-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (PA)

On XX/XX/2022, I received a Chime visa debit card in the mail that I did NOT apply for but appears that someone else did. I tried calling Chime at the number on the back of the card at XXXX, but there is no way to reach a human representative through their automated phone system. I tried calling The XXXX XXXX at XXXX only to be put back into the Chime phone system. On XX/XX/2022 and XX/XX/2022, I emailed XXXX to report the fraud and close the account. I've only received automated responses that my request has been received and is being reviewed by their member services team. 
On XX/XX/2022, I filed a fraud report with the XXXX XXXX, PA police department. 
On XX/XX/2022, I confirmed that my fraud alert is still active on my XXXX account. The fraud alert is also on XXXX and XXXX. 
I am a victim of fraud and identity theft. Chime will not respond and close the account. I do not want to activate the debit card and have no way to verify if there is any activity on the checking account.