davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2024 I received a phone call from a number identified as Wells Fargo customer service. The caller said fraudulent activity was detected on my debit card, did I recognize this transaction. I said no. They asked me for the rest of my debit card number and I said this sounds fishy. The man said of course, I understand, look at the back of your debit card. This is the number on there, no? It was. He also gave me some kind of " customer service ID number. '' So I provided the information he requested. Over the next couple hours, this scammer sent me text messages with verification codes that he claimed were needed by them to stop additional unauthorized fraudulent activity on my debit card. All of a sudden, the line goes dead. I call back, and Wells Fargo tells me they have not contacted me and it was a scam. I am out {$6300.00} -- all of the money in my checking and savings accounts at that time. I file a debit card fraud claim and a police report. Wells Fargo promised an investigator would call me to follow up and get more details from me, but that never happened. I was notified by letter a few days later that they determined I had authorized the transactions in question and had closed the case. I filed an escalated complaint. Ten business days later, another email/letter upholding the original investigation findings. Wells Fargo is violating the Electronic Funds Transfer Act by not reimbursing its customers for unauthorized debit card transactions and wrongfully holding customers liable when they fall victim to scams like this. They need to be held accountable and other customers need to be aware so they do not have this happen to them. This is a horrible bank.
Consumer complaint received 2024-07-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Credit, Inc. (VA)

To : Sentry Credit , INC Hello my name is XXXX.I am sending this email to request a refund for a payment I made. On XX/XX/2024 of {$1000.00}. The account number is : ending in XXXX the XXXX Account number is : XXXXThe creditor is XXXX XXXX. 

I received my renters ledger and XXXX XXXX lawyer sent the court a Letter of Satisfaction. 

I've satisfied my balance with XXXX XXXX and in my ledger it shows I already paid for the repair to the unit on XX/XX/2024. 

I dispute the vaildaity of this debit.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MN)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consuming reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( I ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer Please remove the following items from my credit report immediately : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX. 

XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-23
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. (FL)

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section ( 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 convections of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ), A person should not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

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 2024-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Recently Purchased A Copy of my consumer credit report and learned that I have ( XXXX ) unauthorized hard inquiries hurting my credit report. I did NOT authorize anyone to MIs-REPORT or fraudulent use my social for any purpose or matter without my written consent please remove immediately. 

XXXX XXXX XXXX ( XXXX  ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXX  XXXX XXXX  ( XXXX  ) XX/XX/XXXX XXXX
Consumer complaint received 2024-06-21
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. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-23
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. (MI)

I have experienced great mental hardship as I have not been able to refinance my home do to this erroneous account.

I am a federally protected consumer and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE this inaccurate account from my consumer report. 

ACCOUNT : XXXX XXXX XXXXXXXX, Date opened XX/XX/year> Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home.

Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency.

Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter, XXXX XXXX XXXX
Consumer complaint received 2024-08-08
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

On XX/XX/year> - I saw a collections account from " Columbia debt recovery dba genesis '' drop my credit score XXXX XXXX  ( XXXX  ). In the past I submitted a dispute and that dispute was completed and each credit agency removed the collection from my account based on the facts and documents presented. Now the same company has returned to submit the same collection to my credit in an attempt to collect a debt that is not owed. I called in on XX/XX/year> to speak with XXXX the same rep who I dealt with previously on the matter and was told this collection was from rent and utilities in which were never paid and they gave me a credit on the account of about $ XXXX which is also not true based on this being removed from my credit so they had no choice but to remove it. On the invoice I have attached here for this complaint you can see I paid rent on the same month I left in which prompted a credit on my account. To add the rep let me know after requesting XXXX again once he was done to call back at XXXX XXXX  in which I did so twice and was unable to get anyone to transfer me to him or given the answer of " he is unavailable ''. I have filed a dispute with XXXX on this matter, and am contacting XXXX and XXXX as well so they are aware.
Consumer complaint received 2024-06-21
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. (IL)

My credit profile contains inaccurate information, which is unfair to me. I request that you investigate this matter and correct it. I am really sick and tired of these problems. If there are no updates on my inquiries, I will go to court.
Consumer complaint received 2023-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (ID)

Edfinancial is my loan servicer. They are purposely not communicating with borrowers. The phone hold times are up to 8 hours. You can request that they call you back and keep your place in line. I've requested that 4 different times. They've called back once, when I picked up, I heard them laugh, then immediately hang up on me. I'm almost a fully XXXX veteran, and I know for a fact I can get a much lower payment. But they won't answer me or help me submit my financial information to get the payment lowered. I've tried to use their chat function, it doesn't work. I've tried calling, they hang up. I've tried emailing, and I get no response. I know I'm eligible for a much lower payment, but I have no recourse to have access to my loan servicer. I've filed a complaint with the Department of Education, but there is nothing I can do.
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY (TX)

I have a XXXX XXXX  and I would like to be able to pay for my international manufacturing expenses XXXX through my business bank account but the transparency for what the total cost is lacking ( including any upfront fees and charges in XXXXhe exchange rate ).
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-05-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Albert Corporation (MI)

Albert ( XXXX XXXX XXXX ) ; Albert is a financial management application that hosts or offers to that of financial management and investment tools ; with that of a prepaid debit card service. Upon linking stated card with my XXXX XXXX XXXX account ; such service provider engaged in mutliple transactions non-initiated by myself the user. When contacting the company of regard ; the company sent back a flippant ; " This is what our service offers email '' ; indicating a state of non-care to company intiated transactions and exhibited manipulation of user funds debited from the XXXX XXXX XXXX account and transacted to that of Albert. Of which potentially involved to that of hidden fees referant to the use of such stated service. Access had to be subsequently removed from XXXX  XXXX XXXX ; and each illustrated debit referented of association to that of fraud for the purposes of preventing such stated transactions and transactionality. When requested the deletion of such stated account ; such service potentially did not reply under after addresing such with XXXX  XXXX XXXX. Use of 3rd party banking or payroll applications typically defaults to that granting access to that of primary bank accounts.
Consumer complaint received 2024-06-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Complaint Description : I am filing this complaint against Equifax because they have not accurately reported my personal information on my credit report. This inaccurate reporting is affecting my credit score and overall financial standing. 

Incorrect Personal Information : The personal information that Equifax is reporting inaccurately includes address and employer. Specifically, the following details are incorrect : This is not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX This is not my employer XXXX XXXX XXXX Attempts to Resolve : I have attempted to resolve this issue by contacting Equifax through mail, but I have not received a satisfactory resolution or explanation for why my personal information has not been updated correctly.

I request an investigation into why these inaccuracies occurred and measures to ensure they do not happen again in the future.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am sending this complaint today to inform you that I am a victim of identity theft. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into these inaccuracies and the subsequent removal of the erroneous items. I kindly ask that you initiate this investigation and provide me with a written response within the statutory timeframe of XXXX days as required by law. I have attached the important documentation, including payment receipts and identification documents, to verify my claims and request a thorough investigation into this matter. These are the following items that need to be removed from my credit file right away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-23
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. (MS)

Ive recently checked my credit report and I notice the inquires that I reported last year that was removed are back on my credit report, I called and that stated that they are not on there but when I did my update for that month they where on they and they are hurting my credit score.
Consumer complaint received 2024-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.
Consumer complaint received 2024-07-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/year> someone hacked into my Chase account and redeemed XXXX points onto gift cards. Chase acknowledged the fraud and said the points would be credited within three weeks, however when I speak with then they just tell me the account is under review and there is no one to speak with. The department that deals with this does not answer inquiries. This same thing happened less then a year ago and Chase credited the points back within days. The hard part about the whole thing is that Chase does not offer two step authentication in their rewards portal. Even with checking my account daily there is nothing to prevent this from happening again as Chase does not have the necessary safeguards in place.