davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

My Wells Fargo debit card and other debit cards i have all have my pin written on the back for them because all my pins are different. I have stopped doing this since this incident. My wallet was lost on XX/XX/23. The same day before realizing my wallet was missing i was going to het food at work and decided to check my account. Fraudulent charges totaling {$1800.00} appeared on my account. I immediately contacted wells fargo fraud department, answered all questions and had my claim filed. Their policy states if i decision had not been made within 10 business days my account would be temporarily funded for the charges. The following days I continued to receive emails from Wells Fargo stating that they were still processing my claim. On the 10th business day XX/XX/23 I received the same email and decided to contact wells fargo since my account had not been funded and i had not received anything saying they had reached a decision. When I contacted them they stated that my claim had been denied because there was nothing to suggest fraud. But like stated before my card was stolen out of a lost wallet.
Consumer complaint received 2017-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Data Systems (NC)

Financial Data continues to report a collec tion account from   XXXX   XXXX   on my credit report that does not belong to me. The account belongs to my son, who has the same name as me. I recently filed a complaint against  Financial Data because they would not remove this account from my credit report. They responded w ith a copy of the contract, stating the account belonged to me. However, in contrast, the very document they supplied displayed my son 's drivers license number and signature ; not mine! I called  Financial Data a nd spoke to a guy named  XXXX , who claimed to be a supervisor. He did n't seem to care that they were reporting my son 's account on my credit report. He told me the only way they would take the account off my report is if I paid them {$450.00} for an account that does n't even belong to me.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (AZ)

US Bank has frozen and restricted my checking account with an outstanding balance, informing me the account is set to close and I will be receiving a check in the mail. They have not closed my account officially or sent the check, and I was not able to withdraw the funds in person at the branch. US Bank needs to either make my funds available to spend/transfer online or proceed with the account closure and disperse my funds in a check immediately.
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
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. (AR)

I am writing to file a complaint regarding inaccurate items on my credit report and I am requesting your assistance in getting them removed. The incorrect information are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving this matter with the credit reporting agencies directly. I have attached supporting documents to my letter for your reference, including correspondence with the credit reporting agencies. I believe this documents to my letter will demonstrate the errors made by the credit reporing agencies and support my request for the removal of the disputed items from my credit report. These are the following fraudulent items that are needs to be removed immediately : 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 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 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
Consumer complaint received 2023-07-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My XXXX XXXX XXXX was totaled in a car accident on XX/XX/XXXX. I was rear-ended which resulted in a total loss. XXXX my insurance company XXXX sent in their payment and I paid off the remaining balance of {$370.00} twice so far. The first time I paid the {$370.00} by debt card was on XX/XX/XXXX Capital on said they didnt receive it but my bank XXXX verified the debt card payment was approve immediately because the money was there and debt card transaction is immediate. So after arguing with Capital One Auto Finance and them stating that I needed to make another payment for {$370.00} to close out the account I did so again on XXXX XXXX and this took care of the remaining balance of XXXX. However today XX/XX/XXXX Capital One Auto Finance placed an other balance again for {$370.00} preventing the pay off. Also there was a refund check sent to Capital XXXX by XXXX XXXX for gap insurance and warranty coverage. I havent received a refund from Capital One and they keep charging me {$370.00}. Please review these financial documents.
Consumer complaint received 2023-07-08
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: Experian Information Solutions Inc. (NC)

This is my 10th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Re : Unauthorized Credit Inquiry To Whom it May Concern, XXXX ( Finance ) XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX  ( Finance ) XXXX XXXX I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it. Please have this inquiry removed from my credit file immediately because it is making it very difficult for me to acquire credit.

U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act 30 Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention a serious matter regarding a fraudulent account that has appeared on my credit report. I recently discovered that my personal information has been compromised, leading to the creation of an unauthorized account under my name. I have taken the necessary steps to dispute this account, but I am deeply concerned about the potential impact on my creditworthiness and financial well-being. 

Below, I have outlined the details of the fraudulent account : Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$680.00} No. of Months ( terms ) : - High Credit : {$680.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX I have already initiated the dispute process and provided supporting documentation to prove that I am a victim of identity theft. However, I am concerned about the potential negative consequences of this fraudulent account on my credit history and overall financial reputation. It is imperative that this matter is resolved promptly and accurately to mitigate any further damage. 
I kindly request the following actions be taken : Conduct a thorough investigation into the fraudulent account and promptly remove it from my credit report. 
Update my credit report to reflect the correct and accurate information, ensuring that no traces of the fraudulent account remain. 
Place a fraud alert on my credit file to prevent any further unauthorized activity. 
Provide written confirmation of the removal of the fraudulent account from my credit report. 
I understand that resolving this matter may require time and effort. However, given the severity of the situation and the potential long-term consequences on my financial standing, I trust that you will handle this complaint with the utmost urgency and diligence. I also request that you keep me informed of the progress made and any actions taken to resolve this matter. 

Enclosed with this letter, you will find copies of relevant documents supporting my claim, including a police report I have filed regarding the identity theft incident. Please treat this matter with the seriousness it deserves, as I am eager to restore my creditworthiness and regain peace of mind. 

I look forward to your prompt attention to this matter and a resolution that upholds the highest standards of accuracy and consumer protection. I can be reached at the contact information provided above should you require any further information or clarification. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2023-07-08
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. (NC)

This is my 6th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance XXXX {$2900.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-07-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXXXXXX Balance : {$650.00}
Consumer complaint received 2018-11-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (TX)

I owe over {$200000.00} and the fees keep changing, customer service is extremely rude, and don't offer me much options to pay back for my loan. I took half-time courses during this past summer and Navient decided to continue with my continuation of loans when I took half-time courses just recently. When they were informed at first when I took half-time courses, I was told my loan repayment would be in effect till XX/XX/2019. All of a sudden, they decided to stop the grace period recently ( just last week ) when in fact I looked and researched that there is supposed to be a sixth month grace period when there was only three, which is unfair and unethical on their part. I know federal law requires that I have a six month period but what navient is doing is completely wrong and just not business professional like.
Consumer complaint received 2018-11-26
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: JPMORGAN CHASE & CO. (TN)

I purchased eyeglasses from XXXX and returned them within the full refund date and received a receipt showing credit refunded back to my AARP Chase credit card for {$530.00} on XX/XX/XXXX. I gave 30 days for the refund to go back to my account. When it did not, I called the credit card company and opened a dispute. They said that they did not receive the refund. This situation has been going on since last year and has not been resolved. I received a letter stating that the account will be turned over to a collection agency on XX/XX/XXXX. I reaching out for assistance to close this situation. 

AARP Chase Credit provided a fax number, XXXX to send in the refund transaction forms. I have emailed and faxed the forms repeatedly. I continuously talk to the credit card company. I was informed that they did not receive the documents. I emailed them and faxed the receipt of return transactions on XX/XX/XXXX and XX/XX/XXXX, and spoke with Chase credit card company monthly. 

The manager of XXXX spoke with AARP Chase Card on XX/XX/XXXX and the situation was not resolved. The refund transaction clearly showed the return of receipt at store # XXXX on XX/XX/XXXX, for {$580.00}. They swiped it back to my card and AARP Chase Card said they did not receive it. 

I have been trying to resolve this issue since XX/XX/XXXX and now the credit card company tells me on XX/XX/XXXX, that I can not open another dispute and I need to call XXXX to reissue the credit.
Consumer complaint received 2018-11-25
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. (CA)

I sent a certified letter to Equifax dated XX/XX/18, that was received by them on XX/XX/18 challenging the accuracy, compliance and reportability of a entry listing a Bankruptcy on my credit report. I received a dispute investigation outcome dated XX/XX/218 from Equifax  stating that they confirmed the information provided to them by XXXX and will continue to report this information. I placed a security freeze on my XXXX consumer account which was effective on XX/XX/2018, in addition I contacted the Bankruptcy Court to confirm that they do not report any public records information to Credit Bureaus. XXXX is not allowed to release any information contained in my consumer report when placed under a freeze. Therefore, I request that the incorrect bankruptcy be deleted from my credit report because Equifax is not able to properly verify the information they are reporting as previously requested they do via the certified mailing. Thank you in advance for your assistance regarding this matter.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate I was XXXX XXXX XXXX XXXX XXXX, which resulted in my car being totaled and Gap said it wouldn't cover my claim due to them stating it was a DUI. Later to find out it was not a DUI  and the gap still hasn't covered the remainder of the bill. I have provided the conclusion of the court case, proceedings and gaps bill. 
2. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 4. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate XXXX. Validate Account XXXX Account Number : XXXX Please ensure that all information is accurate 6. Validate Account XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 7. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Validate Account XXXX XXXXXXXX XXXX Account Number : XXXX Please ensure that all information is accurate 9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please ensure that all information is accurate By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also reque
st that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Consumer complaint received 2018-11-14
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. (CA)

I requested multiple investigations ( XX/XX/2018, XX/XX/2018, XX/XX/2018 ) into the accuracy of account : XXXX/XXXX and after reviewing my credit report provided by Equifax on XX/XX/2018 confirmation # XXXX, and credit reports from XXXX & XXXX dated XX/XX/2018, ( creditchecktotal ) the account, XXXX XXXX  is still being reported inaccurately . How can you report that the item was verified to OUR company that the current status is being reported correctly when the payment history is NOT correct, nor is there an account balance being reported according to Equifax confirmation # XXXX. According to report dated XXXX2018, Equifax is reporting me with a " XXXX '' balance on XXXX XXXX, '' however, XXXX & XXXX are reporting me with a {$230000.00} balance. If the CRA 's have properly investigated the accuracy of this account then why are all 3 credit bureaus reporting all different payment histories, different balances if they actually verified the accuracy of the account as requested multiple times? 
The CRA 's are in violation of 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] therefore delete this account.