davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (MD)

Hunter & Warfield is reporting on my credit as a {$5300.00} debt. Called Hunter & Warfield multiple times who tells you to speak with XXXX XXXX XXXX. Spoke to someone on XX/XX/year> who verified my information & told me they would mail me a statement showing current balance which they stated the balance was {$290.00}. Called again on XX/XX/year> and another request was but in to email and/or fax the statement. Called again on XX/XX/year> and spoke to XXXX ( supervisor ) who stated I couldn't get the statement information because I'm a co signer on the account. The owner is in the military but the debt is reporting on my credit report incorrectly & I have the right to have it removed. They took all my information ( everything is on a recorded line ) and still will not give me the information.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (FL)

AFFIRM INC Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This is an inquiry for which I do not authorize the reporting due to its inaccurate representation of my credit profile.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX  XXXX # XXXX, opened XX/XX/XXXX XXXX XXXX : # XXXX, opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, opened XX/XX/XXXX I reviewed my XXXX credit report on XX/XX/XXXX, and noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, as stated in 15 USC 1681e ( b ).

Furthermore, under 15 USC 1681i, they are required to handle inaccurate or unverifiable information as follows : 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 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 ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Additionally, according to 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Given these circumstances, I request immediate correction and compliance with the FCRA requirements. Please confirm receipt of this email and inform me of the actions taken to rectify the inaccuracies in my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CA)

This account is invalid. WELLS FARGO CARD SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 

WELLS FARGO CARD SERVICES XXXX
Consumer complaint received 2024-06-08
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. (TN)

Equifax reported on my credit report that my account with XXXX XXXX acct # XXXX was charged off. After correcting the problem they did not credit my XXXX that I lost due to their incorrect reporting after getting an update from First Investors of the update of my vehicle not being charged off. I shouldnt have lost XXXX XXXX and I am upset that they didnt give me back the points that I lost due to them. They only credit me XXXX points
Consumer complaint received 2024-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (IA)

I have been a customer of Ally Bank ( XXXX ) ( totally online ) since XXXX. I never had any issues with them. However, they have not processed my direct deposit ( from my job ) in a timely manner. This has caused great distress to me today because, like most people, I have obligations to meet and can not at this time. 
Furthermore, their online customer service today was abysmal. Absolutely shocking ( I have saved the chat logs ). Rude, unprofessional, and irresponsible. 

My direct deposit was supposed to show up yesterday ( Monday, XX/XX/XXXX ). As of mid-day Tuesday, it still has not.
Consumer complaint received 2024-07-16
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

I purchased three gift cards this year for relatives, worth XXXX, XXXX, and XXXX dollars respectively. OF COURSE there's no issues with the lower balanced cards, instead I get informed that the XXXX one isn't working. Wondering what the issue is, I took it and searched up its information on the vanilla gift card website, only to find that the card had been drained of all its funds. I called the number they provide online for assistance ( XXXX ) but that didn't go anywhere. XXXX is a lot for the average person right now, I can't just let it go down the drain without a fight.
Consumer complaint received 2024-07-11
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: OPTUM BANK, INC. (MA)

I signed up for a commuter benefits account with XXXX when I started with my employer in XX/XX/XXXX. Each paycheck, a certain amount of money is taken out of my paycheck before taxes to be put towards commuting expenses for the following month ( i.e. funds are taken out of my paychecks from XXXX so that I spend on my XXXX train pass ). I lost my job on XX/XX/XXXX and, at the time, my commuter benefits account had {$470.00} in it. I contacted XXXX to get them to release the funds, but they said they were forfeited. I asked for information about why they were forfeited and they told me that it was their policy I don't understand how a company can simply decide to take the money I earned with no explanation. I feel that this policy is essentially stealing from people who use this service.
Consumer complaint received 2024-08-21
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: Experian Information Solutions Inc. (CA)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( s ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (WA)

On XX/XX/year> : My XXXX  made a check for me to deposit funds into Sofi account. Doing so, she accidentally gave me a check to a bank that didnt have the sufficient funds ( XXXX XXXX {$6000.00} ). Immediately, she went ahead and corrected the situation of making another check of the correct bank that DID have the funds ( XXXX {$6000.00} ). both checks were deposited the same day ( XXXX XXXX ). We were aware that the XXXXXXXX XXXX XXXX was going to bounce back within a few business days. On XX/XX/year>, the XXXX XXXX  check of {$6000.00} bounced back. But the XXXX check was fine and good to go. Funds were available on or around XXXX XXXX. After the event, on XX/XX/year>, my Sofi account was frozen by the company with all my funds and no ability to withdraw any money. Were coming on XXXX weeks now and still no solution. I have reached out to the company for updates over XXXX times and I continue to receive the same answer : your account is being reviewed/investigated by your assigned investigation team. A department that has no phone number available and operate solely on emails and system generations. I am currently extremely late on my bills due to this matter and have my hands tied behind my back. This is my last hope! 


*attached will be both checks deposited on XX/XX/year> front/back.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

It is unacceptable to check my credit report and find all these violations. 

Remove all fraudulent and inaccurate account from my credit report. 
Block any information resulting from identity theft, as required by FCRA.

I expect a prompt response and resolution to this matter. Failure to comply will leave me with no choice but to legal remedies available under the Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NM)

I have had XXXX transactions regarding returns/refunds. The business was XXXX. I made purchases on XXXX occasions. I returned the item and Wells Fargo did not credit my account for a full 3 to 4 days after the return. When I called XXXX, they stated the returns were approved and released that day. This is Wells Fargo attempt to charge interest on the balance for an extra 3 to 4 days. That is cheating the customer.
Consumer complaint received 2024-07-08
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. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within XXXX  days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Upgrade, Inc. (CA)

XXXX XXXX XXXX, last email sent to me, XX/XX/year> : Third party creditor keeps contacting me about debt from original creditor Upgrade, XXXX XXXX of XXXX XXXX The information is inaccurate because the debt has been re-aged to extend the reporting period illegally and also the balance reported on the charge-off account is incorrect. 
I am writing to complain about the inaccurate information that appears on my credit report. I have reviewed my credit report, and I have identified a charge-o account that I believe is being reported in violation of the Fair Credit Reporting Act ( FCRA ). 

I have also reached out to this creditor to inform them to cease all communication with me. 
15 USC 1692c ( c ) that law clearly states : ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (NJ)

I opened the account with SoFi on XX/XX/XXXX and the last direct deposit was made XX/XX/XXXX. I have never taken money out of the account. They froze my account in XX/XX/XXXX stating that my account was flagged for suspicious activity. I called them immediately to request that they unfreeze my account, and the individual I spoke to said it would unfreeze within a week of investigating the activity. I called them several months later on XX/XX/XXXX to see why my account was still frozen. On XX/XX/XXXX I called them and they told me what the suspicious activity was that resulted in their freezing my account. They asked for information on the source of XXXX checks, which I provided to them on XX/XX/XXXX over phone call. They did not ask for any other information, yet as of today ( XX/XX/XXXX ) my account is still frozen.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NY)

I received a notice from my credit monitoring service on XX/XX/year> that a new collection account was opened by SUNRISE CREDIT SERVICES , INC . I have no prior communication with this company, nor any reason why.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

3 ssues 1. A late payment is showing on all 3 credit agencies in XXXX during the time I was on a COVID forb under the CARES act which later transition into a modification. How can I be on a COVID Forbearance transitioning to a mod but late marking on my credit report violating FCRA 15 U.S. Code 1681 2. Late fee removal due to taking care of my XXXX  battle with XXXX XXXX in which he has now passed away as of XX/XX/XXXX. 

XXXX. Loancare has been holding my insurance funs in restricted escrow for over 12 months refusing to pay and keeps asking for the same documents over and over. I was advise on a recorded line any outstanding docs they have lost will be waived and the agent bypass this, sent a 3rd party to perform an inspection XX/XX/XXXX to show the repairs complete. My funds have been promised verbally on phone calls, yet I have threaten letters from the contractor and lien on my home all because the servicer is illegally holding on to funds that needs to be released based off the completion of the repairs all the above impacts the integrity of my name and my credibility as a consumer
Consumer complaint received 2018-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to Equifax, XXXX, XXXX, and XXXX XXXX via their customer service teams but they will not help.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Two chase account almost a two months One account smart checking I have debit card they send last week and I never activate this card because I have serious identity theft Some one as XXXX XXXX  name person found XXXX and XXXX XXXX both we dont now but they activated my card and purchase my debit card XXXX XXXX  3 order in between I call fraud reporting chase Ill hang up phone and more XXXX XXXX  They use my debit card I didnt activated because if I activated next few hours hackers see and purchase as same thing he activated my debit card and order XXXX XXXX  and delivers XXXX XXXX . 
I want to chase all information who activated my debit card send me because my case is reported to police and FBI And today Ill be reported Illinois attorney general because to much fraud in my name they used and my debit card without my authorization they activated and purchase Ill be need all my fraud charge back as requested to chase
Consumer complaint received 2024-08-20
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. (IL)

I am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Synovus Bank (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account XXXX that was certainly paid on time.

The consumer reporting agencies need to report all information with complete accuracy. 

These accounts have not been late. Ive attached a copy of my report to the complaint of the following date XX/XX/2023 I am requesting you to investigate this account and update these payments to paid on time immediately. 

Thank you for your understanding.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (TX)

I tried to pay my Internet bill. I have XXXX. When I called the number a guy answered and asked my name and etc, and the person took my info, told me how much I owed and it was correct, and when I asked why the online, and phone system to pay wasn't working the person pretending to be an XXXX  employee said they were getting rid of it and it was gon na have to be over the phone. He knew my info and how much I owed so I assumed it was legitimate. 

He kept telling me my card was not working. Then his manager repeated the process and said the same thing. 

That was XX/XX/XXXX. I kept checking my account and it was normal. Then the day I called and reported my money being wrong I got them to tell me what was charged. I informed them it was fraud. They sent me a paper to fill out and a copy of my statement and a new card, but it's been over 10 days and I haven't heard back from the bank. 

They said they tried to contact me but they didn't. I haven't had any calls. 

I had XXXX XXXX XXXX XX/XX/XXXX, and was still very weak. They stole my SSI benefits. I'm completely XXXX and I haven't been able to go to my very important doctors appointment because my money hasn't been returned yet.
Consumer complaint received 2024-06-08
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. (GA)

On or about XXXX of XXXX equifax removed credit inquiries that I demanded to be removed, then a few days later re inserted the same inquiries with out notice. This violates fair credit reporting act please delete inquiries stated below ALLY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX