davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (IA)

In our complaint we maintain that Wells Fargo took a line of credit that was in my name only, paperless without our knowledge. This line of credit was apparently tied to our joint checking account as overdraft protection after we thought it was closed out. The result of Wells Fargos action made this line of credit invisible to us. My wife could not see the line of credit on-line since it was in my name and I did not use Wells Fargo on-line . If we were receiving monthly statements for this line of credit over the last 10-12 years, there is no way we would have run it up to {$30000.00} and incurred all those interest charges. We believe that Wells Fargo should remove all the interest charges from this account Wells Fargo is pleading ignorance based upon WFs seven-year retention policy ( implying they have no record of how this account went paperless ).
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

On XX/XX/23 my son 's and my joint account was compromised via his debit card by XXXX on XX/XX/23 and apple cash on XX/XX/23. We recognized it and reported it via telephone on XX/XX/23. The XXXX XX/XX/23 charge was {$200.00}. The XXXX XXXX charges on XX/XX/23 were {$100.00} and then {$200.00}. The XXXX charges were reported while they were still pending. It also important to note that XXXX XXXX is not sent up on either of our phones. My son filled out the affidavit that was sent to him by email. Another affidavit was sent to him in the mail at home. He goes to military school and serves in the XXXX. When he didn't receive or return the affidavit that was sent to his home address ( we thought that the email affidavit covered all charges ), Truist debited his account back for the two XXXX pay amounts {$100.00} and {$200.00}. He then called them in early XXXX to re-dispute the charges. This time they sent the forms to him by email and he signed them. He has contacted them several times and they just say they are investigating. So, we are at an impasse. Truist has lax controls over their cards and fraud. We reported this while the charge was pending, and Truist didn't take action and block the charge. Trusit has taken advantage of my son 's limited access in military school and serving in the XXXX to run out the XXXX XXXX dispute timeline. Disgraceful.
Consumer complaint received 2023-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (OH)

I opened an account with chase bank and deposited my payroll check electronically. Chase determined they could not read the maker of the check and placed a hold on yhe check. Even though the bank the check was created through ( XXXX XXXX ) sent the funds to Chase, Chase refused to release the funds to me and shut my account down. When I call them they say they can not return the funds back to XXXX XXXX XXXX or to me until they verify with the maker of the check that it is not a fraudulent check however, the number they have on file is not a valid phone number. They will not allow me to provide any information for my employer so that the check can be verified and they will not return the funds back to my employer. At this point thus situation is well over a month old and I still have not received my paycheck.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

Upon viewing my most recent consumer report, I saw a bankruptcy that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2023-07-20
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC (GA)

I have been receiving repeated calls since XXXX 2022, and they were occurring once a month. I spoke with the company in early XXXX, told them the debts they cited ( originating from " XXXX XXXX XXXX '' ) were not mine ( the debt had shown up out of the blue on my credit report twice, which I contested and had removed immediately ), explaining that I had insurance that would have covered or at least informed me of any outstanding balances at the time the charges would have taken place, as well as having no hospital visits occur in that time frame. I ultimately told them to provide written proof as they refused to accept that as an answer. 
I received a letter two weeks later with a post office stamp originating from Florida on the envelope ( the company states it's located in XXXX, Ga ). The letter had no formal letterhead, contained typos, and used language like, " We have tried to contact you numerous times to help you, why have you not reached back out to us? Why are you avoiding us? '' as well as the cited amount included being larger than what had been stated on the phone. 
I disregarded the letter and tossed it as it was blatantly fraudulent, and refused to interact further. 
Since then, the calls have increased to multiple times a month.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (OR)

I want to report Credit Karma because they said my approval odds were something that they were not. Approval odds were incorrect when it came to credit cards that I applied for & then was denied because I based my decision on credit karma.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (AL)

I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report. 

I kindly request your assistance in providing the following information for debt validation : 1. Original creditor 's name and contact information.

2. Account number and date of debt inception.

3. Detailed breakdown of the claimed amount, including any interest or fees.

4. Supporting documentation demonstrating my liability for the debt. 

I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed. 

Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt. 

I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required. 

Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
Consumer complaint received 2023-07-20
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-05-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XX/XX/XXXX I initiated a dispute with this company against XXXX XXXX XXXX for submitting a dismissed claim on my credit account. The claim is from XXXX XXXX account that was discharge in my bankruptcy in XXXX. The dispute was never investigated. I received a letter telling me to provide proof of address information, although the information in my credit account is current. I was told that the dispute couldn't be processed. Today, I received a message from Trans Union that my dispute was canceled as per my request. I never canceled the dispute. So many games being played by this agency affecting my credit and my life! I want these folks held accountable. Also, I settled XXXX negative accounts on my credit and my score was not affected. The accounts were simply removed. This is fraud and I would like an investigation.
Consumer complaint received 2023-05-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY (NJ)

This happens to be an ongoing issue that has been happening since XXXX almost 1 year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with Wellsfargo about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of Wellsfargo ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from may a month earlier, I was scammed 2 times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$9000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. Wellsfargo in Union rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay.
Consumer complaint received 2023-07-20
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: CITIBANK, N.A. (KY)

Citibank is in severe violation of the FCRA by failing as a furnisher to provide reasonable investigation, and committing unfair and deceptive practices ( UDAAP ) by failing to acknowledge they are participating in attempted identity theft. On XX/XX/2023, I received a credit reporting alert of a new credit inquiry. XXXX reported a credit inquiry that same day from Citibank NA., Best Buy. I immediately called Citibank at XXXX to dispute this credit reporting because I did not request an extension of credit or authorize the use of my information in any manner. I have excellent credit and was fearful the credit was open, but Citi confirmed it was denied. Citi never provided me a reason for denying the extension of credit, but during this call I was grateful Citi did not find it appropriate to approve the request. That same day I initiated a lock on my credit with all three credit reporting bureaus to prevent future attempts of fraud. 

On XXXX Citi called to verify my mailing address so they could send their final investigation results. A few days later I received Citi 's denial to remove the hard credit inquiry. Citi justified maintaining the reporting because all of my correct personal information was used to initiate the credit request. Because my personal information was fully used to make a credit inquiry, open an account, etc., does not negate fraudulent activity. I am disappointed by Citi 's failure to acknowledge attempted identity theft and the attempt to open an account with their financial institution using my personal information. Citi clearly found reasonable justification to deny the fraudulent attempt to open the credit account, but fails identity theft victims by refusing to remove incorrect credit reporting information.
Consumer complaint received 2023-07-22
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. (IN)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AZ)

A COMPANY THAT I HAVE NEVER HEARD OF LexisNexis is all of a sudden reporting information on my insurance history ( and who knows what else ). The information they reported in relation to an insurance claim is inaccurate and has caused insurance companies to not give me the best rate or to be denied. The claim was from 2019 for less than $ XXXX and they have reported almost $ XXXX. I disputed it and told them that I had a letter from the insurance co. They still are stating their findings are correct. I then had the Insurance co. email them directly to confirm what the claim was. Lexis Nexis said they will have to do another investigation! are you kidding me. I told her the email was sent to their address on the form and gave her the phone # of the insurance person, LexisNexis didn't even want to take the phone # down. 
This claim has not " popped up '' until this Co. got involved. Their records are inaccurate and I do not want them reporting anything on me. How do I OPT out so they stay out of my business. We have 3 longstanding credit reporting agencies in place for years, so why do we need these idiots???? I also tried to log on using the link that they sent me to request my " report '' and was given a PW to plug in. Guess what?? the link did not take me to a place to plug in this supposed password. This place is a joke. I have listed a review on the XXXX site as well. Thank you. XXXX
Consumer complaint received 2023-07-20
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. (CA)

Hello, so I am imforming you the CFPB that XXXX, Equifax, and XXXX have violated me and my life by reporting inaccurate information and I have found out that all 3 bureaus are FRAUD. THESE COMAPNYS ARE ONLY to report to consumers that live in the state of XXXX  ONLY.. This is Identity Theft, FRAUD and I DEMAND A COMPLETE INVESTIGATION OF ALL 3 CREDIT REPORTING AGENCY XXXX, EQUIFAX, AND XXXX. These agencies are in violation of the law because if they are smart they would have stolen my identity and I demand these so call reporting agencies to erase my report meaning everything off my report. I am a resident of XXXX  and I demand as a consumer here to delete everything off my report bc you have no right to steal my identity and report anything when in fact u are only to report XXXX  residents only. Yes I have caught on to these FRAUD companys and I demand you delete my entire report 15 USC 1681b. I did not give consent and these so call Credit Agencys are not licensed to report peoples reports outside of XXXX... I DEMAND A DELETION IMMEDIATLY.. OR I WILL TAKE FULL LEGAL ACTION WITH XXXX, EQUIFAX, AND XXXX. I WILL ALSO TAKE LEGAL ACTION WITH CFPB FOR ALLOWING THESE AGENCIES TO BE ABLE TOO DO THIS FRUAD AND STEALING PEOPLES INFORMATION LIKE THIS. THIS IS AGAINST THE FEDERAL LAW..
Consumer complaint received 2023-07-20
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. (NJ)

I am writing to formally dispute an inaccurately report on my credit file. As a responsible consumer, I have always diligently managed my financial obligations, and I firmly believe that this account entry is not valid and should be removed from my credit report. I have thoroughly reviewed my records, and I can confidently state that I have never had any financial dealings or accounts with the aforementioned creditor. The entry appears to be a result of a reporting error, and I urge Equifax and XXXX to investigate this matter promptly. 
I have rights under 15USC 1681. XXXX and Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand this account listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give Equifax and XXXX any written permission to furnish this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-06
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. (LA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.