davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

I am writing to address a matter of utmost importance concerning an unauthorized transaction that occurred on XXXX XXXX XXXX involving my Wells Fargo account. 

On the aforementioned date, an unauthorized transaction amounting to nearly {$25000.00} was debited from my account. What deeply concerns me is that I received a call from Wells Fargo during which I underwent an authentication process to approve the transaction. However, I wish to emphasize that I did not provide any form of consent or authorization for this transaction, nor did I initiate it in any capacity. 

In response to this incident, I promptly reported the fraudulent activity to their customer support team, expecting a thorough investigation into the matter. Regrettably, I was informed that the case had been closed following an investigation, with no change in the conclusion, and a noticeable lack of substantial evidence to support their findings. Despite my repeated requests, Wells Fargo has been unwilling to provide the evidence I have demanded to corroborate their stance. 

I understand that there have been cases of fraudsters duplicating phone numbers and authentication methods. However, I must emphasize that during the call in question, I was told that the call was from Wells Fargo, it originated from Wells Fargo 's official phone number, and it employed Wells Fargo 's established authentication system. Given these circumstances, it is reasonable for me to seek evidence that this transaction was not initiated by Wells Fargo. 

As a loyal and long-standing customer of Wells Fargo XXXX XXXX have entrusted the safety and security of my financial matters to your institution for a significant period of time. This unfortunate incident has severely shaken my trust in the institution. Therefore, I implore you to revisit my case with unwavering commitment to resolve this issue and to restore the financial resources that were wrongfully taken from my account without my knowledge or consent. 

I kindly request that Wells Fargo conduct a comprehensive reevaluation of the evidence at hand, reexamine the details of the investigation, and take the necessary measures to reinstate the funds to my account unless definitive evidence emerges that proves my involvement in the unauthorized transaction. Additionally, I earnestly request consistent updates and transparent communication throughout this review process. 

Despite numerous complaints with the CFPB and Wells Fargo they will not prove to me that they were not involved in this fraudulent activity. I am told by Wells Fargo that they were not involved but offer no proof. 

Thank you for your understanding and cooperation in resolving this matter promptly. I eagerly await your response and a satisfactory resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by a Payback Imitation which involved me making deposits for a total amount of XXXX ETH from my Coinbase account to fraudulent investment firm ( XXXX ).
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

The problem with this issue is rather simple. I have held a Citi Credit Card for almost 18 months. Per the card holder agreement, after 18 months the card would become unsecured. I received a notice stating that that Citibank has decided to continue to hold my deposit and keep my card secured, as this will continue for another 12 months. This is highly deceptive. I have paid on my credit card with Citibank, without a single delinquency. I have stayed within my credit line and I have even opened more credit cards, which are not secured. I have opened a checking and savings account with Citi, in XXXX. I do not understand why Citibank is doing this. They have issued me a XXXX credit card with a {$800.00} limit, which is from their retail side. I certainly understand if there was a horrible pattern of delinquency, but there is nothing. I have cleaned out and cleared all collections on my report. I have refinanced my car at a far lower rate. My credit economic and income situation has changed greatly and to the positive since I obtained this credit card back in 2019.
Consumer complaint received 2021-04-23
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 — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY (TX)

This is a formal complaint against XXXX XXXX located in XXXX XXXX. MI. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-09-15
Product: Credit reporting 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. (FL)

On XX/XX/XXXX I submitted a dispute online on the Equifax website for some fraudulent inquiries on my credit report. They closed the investigation on the same date, did not investigate anything and did not removed the fraudulent inquiries. I'm attaching the letter they send me on their website. This was their response : The Results Of Our Reinvestigation >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX CR XXXX XXXX XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX (
Consumer complaint received 2021-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RevMD Partners, LLC. (SC)

I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : 1. Validate Account Revmd I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2021-04-23
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: Park Hill Holdings (CA)

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX performed an extra hard-pull when I requested to have my boyfriend added to my existing least. I was informed that they would be doing a 'soft pull '. When I questioned the rationale for needing to perform a soft pull on my credit again ( after the original hard pull when I signed my original lease on XX/XX/XXXX for a XXXXr lease ) I was assured that a soft pull would be made, which does not have much impact on your credit score. After confirming again that it was actually necessary ( as the second supposedly soft pull was to be made only 7 months after the initial hard pull for the XXXX lease agreement ) I said 'ok ' so we could proceed. I felt funny about allowing another pull, even if it was supposed to be a soft pull but trusted the Property Management company was operating under professional ethics. Upon checking my credit report soon thereafter I made the discovery that a hard pull had been made again on my account ( dated XX/XX/XXXX ). 

Once I realized the hard pull rather than soft pull had been made, I attempted to resolve the matter, multiple times, directly with both the property management company XXXX XXXX. XXXX ) and through their hired tenant screening company XXXX XXXX XXXX XXXX XXXX. I was unable to resolve the matter using this approach. Today I logged on to XXXX again and inquired via Live Chat how I could go about disputing the mistake directly with XXXX. I was instructed to resolve the matter directly with XXXX  XXXX and/or XXXX XXXX XXXX. When I reported that I had already attempted to resolve with these companies, and what my options were, I was told that if I were to file a dispute directly with XXXX, I would receive a letter stating that my only option is to resolve directly with the entities who made the hard inquiry. So, I'm stuck. I am unable to receive assistance from either XXXX XXXX or Rental Property Solutions directly so I am seeking guidance now from the CFPB in hopes I can better understand and resolve the issue. As I begin looking to purchase a home, having the most accurate and timely information on my report is of the utmost importance. 

Thank you for your time and help with this important matter.
Consumer complaint received 2024-10-23
Product: Credit reporting 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. (NC)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (FL)

I took out a loan with Lendumo on XXXX XXXX. I previously had a loan with lendumo which was paid off on XXXX XXXX and previously i had loan with lendumo which i took out on XX/XX/year> and successfully paid off on XX/XX/year>. I have had XXXX loans with lendumo. On my current loan that i took out on XXXX XXXX I have made a total of XXXX payments the loan term ends on XXXX XXXX. On wednesday XXXX XXXX i reached out to a lendumo representative to revoke my ACH to avoid an overdraft because of a hardship an unexepcted expenses and i explained that i will reach out to set up arrangements. I am on a fixed income and i am barely making it and i am struggling to make ends meet. In total i have made XXXX payments towards this loan and i have XXXX payments remaining. I would like to settle for the principle balance pay it in installments and close the account i have other expenses to cover such as bill utilities monthly bills and it is causing me to be in a bind. I look forward to a resolution to resolve this matter I have been a loyal customer since 2023 and i hate to do this but times have been tough for me
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 2024-09-16
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/2024, we called to request a XXXX lease extension for our lease for account " XXXX '' to allow us time to have our new vehicle built and delivered. We were told by the agent that a letter would be mailed extending our lease for an additional 30 days and to sign that document and submit our lease payment. It is important to note that this call was taken by an agent who was not in the XXXX call center. We were advised by the representative to not make a payment until we received the document. This is the same process that we were advised of on our original lease extension. 

We never received this letter, and sent payment anyway because we still had the vehicle and wanted to honor our agreement. As promised, we turned our vehicle into the dealer on XX/XX/2024. We then received a letter stating that we were billed for having the vehicle for additional days for a rate of approximately {$80.00} per day. 

We called Ally and was told there was no record of the call and they could not make any adjustments. The representative XXXX first advised Ally mailed the document, and that we did not return. I requested the date of that document and he advised that it was sent on XX/XX/2024. I advised him this was the first request. He then confirmed that they did not mail the second request because they did not see our request on file. Although it was made via phone on XX/XX/2024. 

The representative apologized and advised there was nothing they could do because they did not have the lease extension document. They don't have the document because it was never mailed as the previous representative stated.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

After inspecting my credit report, I noticed several mistakes. The XXXX credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

The company sent an approved forbearance notice for XX/XX/2024-XX/XX/2024 However, the company reported the account as late for XX/XX/year> and XX/XX/year>. I have been denied access to other opportunities because of the recent dates of reported late payments by this company.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (NY)

On XXXX XXXX I went to XXXX XXXXXXXX XXXX XXXX XXXX inquiring on a vehicle. They were supposed to run a soft inquiry on my credit report but instead ran a hard inquiry and shopped me around to other banks to find me the best deal. Ally Financial, XXXX XXXX and XXXX XXXX also ran a hard inquiry. I contacted XXXX who told me to get a letter from the dealership and the other XXXX banks. I got a letter from the dealership but when I contacted Ally, XXXX and XXXX they said they can not provide me with those letters but they are also confused as to why it was ran as a hard inquiry on there behalfs too but it should have been a soft inquiry and that the dealership should write a letter that includes all three of the banks. I contacted XXXX and they told me that they can accept the letter from only the dealership to take off only there inquiry and I still need a letter from each of the other XXXX banks ( Ally, XXXX XXXX XXXX ). I contacted all XXXX banks again and they said they can not write those letters. I contacted XXXX again and they told me to contact CFPB and possibly can get help. Thank you
Consumer complaint received 2024-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MO)

Hello. Im sorry, due to my XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) were victims of fraud in excess of {$120000.00} and are still finding accounts. Police report is open and we know the suspects. Home Depot has denied the fraud claims. What a nightmare. We did not open any Home Depot Cards at all. We have not BEEN to Home Depot, if they checked their cameras they would NOT see us. We did not give anyone authorization to use our information to open a Home Depot card. I am receiving correspondence from Home Depot for XXXX XXXX AND XXXX XXXX. Home Depot states they need the complete Police Report to dispute the denial of the fraud claims. Report is NOT complete. The contractors that worked on my house ( the suspects that stole cards from our wallets and opened other accounts ) were to be paid through a Home Equity Line of Credit, but they stole that as well. They were never authorized to open a Home Depot card. They are pros at fraud ( look at their police records ). They make it look like these purchases were for materials for my house but I promise you they were NOT. And even if they were, the suspects opened the card fraudulently. 
Thank you XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.