davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2023, I received a notice from an official at my school, saying that one of my teachers was downsizing and selling her XXXX XXXX XXXX  accessories, one being a XXXX digital camera. I searched the Name, email, and validity of this person on my official school website. Everything checked out, everything was correct. So, I had no choice but to believe it. I texted the number that was provided in the email to receive the item that was listed and was ordered to pay {$200.00} through XXXX XXXX, which is connected to my debit card at Wells Fargo, on XX/XX/2023, and the XXXX digital camera would be shipped out the same day. 
The person then ordered me to pay {$150.00} more, which I didn't have, so I requested a refund of the {$200.00} that was already paid. They agreed to give me a refund and said give them a minute. This is when I knew I wasn't getting my money back. I waited until it posted into my Wells Fargo bank account and called to submit a dispute of {$200.00} on XX/XX/2023. The customer service representative that I talked to at Wells Fargo, one of the first things he said was " I don't want to give you any false hope, but you are not getting your money back. '' He explained that XXXX XXXX is a third party website and I had to go through them in order to file the dispute. Even though I didn't receive the merchandised ( as is one of the options in their dispute reasons ), he assured me I wasn't getting any money so there was no point in following through with the dispute, which I felt was very rude. I then cancelled the dispute at Wells Fargo, because he already told me I couldn't get my money back. 
I then tried going through XXXX XXXX XXXX on XX/XX/2023, because Wells Fargo told me that the purchase was not made through them, but through XXXX XXXX  XXXX XXXX repeated what Wells Fargo told me and it felt like I was going in circles looking for an answer to this scam. I tried re-filing the dispute with Wells Fargo, but they told me since I already filed before and cancelled, I wasn't able to do make a new dispute on the same claim, even though he told me to cancel earlier because I wasn't going to get my money back from the start. I wasn't helped by either Wells Fargo or XXXX XXXX.
Consumer complaint received 2023-06-13
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: Experian Information Solutions Inc. (TX)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted. Company information Transunion Please delete the following accounts XXXX bal. {$520.00} XXXX XX/XX/XXXX XXXX bal. {$670.00} XXXX XX/XX/XXXX XXXX XXXX. {$360.00} XXXX XX/XX/XXXX XXXX bal. {$130.00} XXXX XX/XX/XXXX XXXX XXXX. {$340.00} XXXX XX/XX/XXXX XXXX XXXX. {$170.00} XXXX XX/XX/XXXX XXXX bal. {$270.00} OPEN XX/XX/XXXX XXXX XXXX bal. {$850.00} OPEN XX/XX/XXXX XXXX XXXX XXXX XXXX. {$11000.00} OPEN XX/XX/XXXX XXXX XXXX XXXXXXXX. {$1300.00} OPEN XX/XX/XXXX XXXX XXXX XXXXXXXX. {$500.00} XXXX XX/XX/XXXX XXXX bal. {$2400.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I'm deeply disappointed by the ongoing inaccuracies in my consumer file reported by ChexSystems. I want to make it clear that my legal name is XXXX XXXX XXXX XXXX, and any variations from this name need to be removed from my file. ChexSystems currently has my name listed as XXXX XXXX XXXX and, even worse, they had it as XXXX XXXX before which is completely wrong. 

Another concern is the incorrect address they have on file, specifically XXXX XXXX XXXX XXXX. This gives the false impression that I've lived at two different addresses. To set the record straight, my correct address is XXXX XXXX XXXX XXXX XXXX, FL. I've also noticed mentions of unfamiliar banks claiming I have accounts with them, and they're using addresses like " XXXX XXXX XXXX XXXXXXXX '' ChexSystems doesn't have any record of these addresses. 

I want to clarify that I'm only addressing bank-related matters separately. This letter is specifically for ChexSystems. Dealing with this situation has been really frustrating, and I'm tired of having to keep bringing it up. I expected these issues to be resolved a month ago when I sent in my driver 's license and fixed other mistakes. I did my part, but it seems like ChexSystems hasn't done theirs.

Instead of fixing things right away, they're waiting until someone complains to correct the information. This approach puts an unnecessary burden on consumers and raises concerns about our rights.

Reporting inaccurate information isn't just disappointing, it could be against the law. I'm insisting that they immediately remove any names or addresses that don't match my driver 's license. I can provide a photo of my license to prove my residency and full name.

I want to mention that I reported this issue to the Consumer Financial Protection Bureau ( CFPB ) a month ago. Despite their intervention that fixed a previous mistake, ChexSystems is still holding onto incorrect information about me. This shows a lack of commitment on their part.
Consumer complaint received 2023-10-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (GA)

Getting changed $ XXXX insurance every month and wont accept insurance I purchased for {$97.00} a month, they paid the I shopped around the {$97.00} a month and I am being charged more than $ XXXXmonth And when I asked to pay it off the mortgage it became almost {$10000.00} more ( XXXX deferral,XXXX+interest and $ XXXX+ escrow Mortgage company name is SHELLPOINT Phone number is XXXX I am not sure if this is right, can you please help, thank you
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX. XXXX XXXX - Account number : XXXX. Balance : {$7200.00} XXXX. XXXX XXXX - Account number : XXXX. Balance : {$2600.00} XXXX. XXXX - Account number : XXXX. Balance : {$360.00}
Consumer complaint received 2023-07-28
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX  XXXX Balance : {$9200.00} ; XXXX  ( OriginalCreditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2023 I checked my Wells Fargo checking account to view my direct deposit from My job. I noticed my balance dropped extremely low, I then check my statement and see 15 charges from XXXX  that I did not make including one deposit credit of {$1000.00} that I did not make. I immediately called Wells Fargo customer service to report this and They replaced my debit card and started a claim. They advised me there will be an update within XXXX business days. Following the call, I filed a police report with my local Pd. Coming close to the XXXX business day, I miss a call from a number which is Wells Fargos claim department due to my workplace not allowing me to be on personal phones. The voicemail states that a Wells Fargo claims XXXX has a few questions for me regarding my claim and to call back this number. I call back as soon as I can and was advised that I cant connect to the case XXXX as they are in the backend team. I explained they called me at work and then I was asked to provide a time frame I can answer the phone for their call back. I gave the time frame and it was noted by the representative. The next day I was called at the same time at work, and I wasnt able to pickup the phone again. This time the voicemail stated that the claim has been decided and to call back this number. I call once again and was advised that I cant connect to the XXXX as she requested me to, and this time they asked if I have a work number I can answer the phone for the call back. I gave my work number. This is XX/XX/2023. The supervisor who noted my work number said they will call me within XXXX hours. It is now XX/XX/2023 and I didnt get any call back .i call the claims department once again and was finally given information regarding my claim. They told me that the claim was denied since Wells Fargo cant confirm fraud occurred. They advised me to file a police report, which I did weeks prior, and to contact the merchant. The issue is I did contact the merchant the same night I called Wells Fargo to report these charges. They advised me that the charges I am describing to them do not appear on my XXXX ID. Thats it, no more information at all. My wells Fargo debit card was never attached to my apple wallet before, I never used Wells Fargo on apple pay either. My XXXX XXXX account shows no transactions, and the only cards I ever had attached to my apple wallet was my capital XXXX credit card and my XXXX XXXX XXXX credit card.
Consumer complaint received 2023-10-11
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (NJ)

CREDENCE RESOURCE MANAGE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$810.00} past due as of XX/XX/2023. 
Status updated XXXX XXXX XXXX {$810.00} XXXX updated XX/XX/2023
Consumer complaint received 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

JP Morgan Chase Customer Service XXXX XXXX XXXX XXXX, DE XXXX. 
Dear Sir or Madam : I am writing to dispute a late payment attributed to my account ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX replacement ). I am a victim of identity theft, and I did not have control of this account on multiple occasions since XXXX of XXXX. My JP Morgan Chase accounts, personal e-mail addresses and personal devices were compromised during this period. Changes were made to this account including payment information that I did not authorize. 

I am requesting that the late payment be removed from my account and that I receive accurate statements going forward. 

Enclosed are copies of the Identity Theft Affidavit, credit monitoring fraud alerts and a subset of police reports supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs. 

Please investigate this matter and correct this error as soon as possible.
Consumer complaint received 2023-10-11
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. (CA)

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- XXXX -- XXXX XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XX/XX/2023 -- EQUIFAX -- XXXX - XX/XX/2023 XXXX - XXXX XXXX - XX/XX/20XXXX XXXX - XX/XX/202XXXX XXXX - XX/XX/2023
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (WA)

6 payments of {XXXX to scammer/fake landlord via CashApp from XX/XX/XXXX to XXXX XXXX XXXX is the persons name and their cashapp handle is $ XXXX. It was supposed to be for a deposit in a property and turned out to be fake. Neither CashApp nor XXXX XXXXXXXX XXXX was any help whatsoever, despite numerous impassioned requests for investigation. Additionally, no one seemed to be interested in pursuing the scammer whos email is XXXX and phone number is XXXX
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

Bill originally showed up as Comenity Bank, with no other information as proof of my actual purchase through XXXX XXXX XXXX  XXXX. Once I was able to confirm where the purchase was made, I confirmed with XXXX XXXX  that they could release the funds. XXXX XXXX  has confirmed that they did so & Comenity has not been able to locate the payment. They requested proof of payment in 3 different way, at 3 different times. They do not accept electronic communications so they only way to send anything to them it through the mail. Registered/signature reqt 's mail is not allowed. Every time they have requested one manner of proof, I send it. They then say that they have never received the former requested material and that in any case, that particulare material that they had previously reqtd as proof is not acceptable. I had a 3 way call between myself, XXXX XXXX  & Comenity which resulted in them saying they would send me a form to my email that should finalize the problem. I rec 'd the email, but the link did not work. After 6 months of trying to deal with them, at least a dozen hours on the phone, 3 mailings of requested information and more hang-ups ( when they say that they are transferring me to someone more senior ) from them that I can count. I feel that I have exhausted all options at this point & have even had one of their supposed managers tell me that I might want to get an attorney. They continue to call me multiple times a week & my bill has more than triple, which is of course affecting my credit score. Can this office help with this problem?
Consumer complaint received 2023-10-11
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY (PA)

My parents ( at whose address I have not lived for over 5 years ) received 2 letters declining an application for a Target card. The first one said that more information was needed ; the second one said there was a problem with the checking account information provided (! ).

I did not request information or apply for a card from Target ; I suspect fraud.

My father called Target on my behalf ( I live overseas ) and both application attempts have been marked as fraudulent.
Consumer complaint received 2023-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

On XX/XX/2023 I spoke with XXXX XXXX a float personal banker as well as XXXX XXXX the county region Manager with regards to the many attempts prior to the use of the balance calculator on the checking account. I also called the service number provided. No one had even heard of the balance calculator which is the " check register '' for online banking. I was told that it was my browser although I used different browsers. I was told that it was not a bank error although the message on the screen was generated by the bank. I was told many times that the situation would be addressed and an urgent request was filed by XXXX XXXX. As of this date, nothing has changed. I rely on the balance calculator to help with paying my bills on time and being able to project future balances. I do not feel that my issue was taken seriously. Many of the people I spoke with at the customer service number had no idea what I was talking about until one actually looked at her own account and saw the problem yet nothing was attempted to address the issue.
Consumer complaint received 2023-10-11
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. (NY)

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 2023-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account NumberXXXX Account Name : XXXX  Account NumbeXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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.