davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc. (OR)

I noticed a fraudulent transaction on my account and reported it right away and locked my card. I then went through my account and noticed several other transactions. The company gave me a form to fill out and I did that and returned it. They then sent me an email telling me I only had 3 days to provide them with the information I found from the different companies and I replied back that I was having difficulty because the company 's were abreviated names and acronims. The company 's that I did get in touch with couldn't find the transactions and I was told that when these hackers steal your info they use 3rd party processing company 's so it makes it harder to find the transactions. I got a voicemail back from XXXX company which I didn't know how to attach that to an email and I got an email back from another company and I forwarded that back to them. I had no control over how long it took the company 's to get back to me and I expressed that to XXXX XXXX and said I was not able to find any contact info on the other company 's. I was told by then that I didn't meet their dead line for when I was to report the information I had gotten and they denied my claim and are refusing to refund these fraudulent charges and I have called multiple times I have reached out to XXXX XXXX as well and all I get is transfered around and eventually XXXX XXXX just says they denied your claim nothing more will be done and they hang up on me. I will list the transactions below. I was in constant contact with XXXX XXXX the entire time and because they didn't get the information about the company 's that I had to research without any assistance from them it took me a little bit but as soon as I got any information I sent it to them. I did everything I could as fast as I could to provide them with the information they requested but some of the company 's I couldn't even find any information on and apparently that was not expectable either but I didn't know what else I was supposed to do and I expressed that to them with no response and no assistance to them be told my claim was denied and ever since I just get hung up on by them Transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on various days 6 of them total all for XXXX XXXX XXXX XXXX I sent them a list as well and provided everything that I could and they still denied my claim because i.didnt get the the information on the company 's within the time frame they set which was 3 days. I got them the information when I got it and I also informed them that I was waiting to hear back and that I couldn't find anything on some of them. With no response from them.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/2023 Bank of America placed my checking and savings accounts funds on hold. I have yet to get a letter stating reasons for the holds. I have called multiple times and was told someone will call me or I will get a letter. Its been months and nothing. My savings account balance that was placed on hold is XXXX and checking account XXXX
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have tried for months to dispute this inaccurate information listed on my credit report, under the payment history of my student loan XXXX accounts. There should not be any late payments reporting under the payment history. I was on a forbearance program and this was during COVID-19. I have reached out to the 3 credit bureaus month after month to get them to help me reverse the late payments under five of my student loan accounts. The late payments listed under all 5 accounts are not accurate since the late payments go from on-time to 90 days late which is entirely inaccurate and against the accuracy law of the Fair Credit Reporting Act.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (TX)

I have reached out to Midland multiple times to your races off of my credit report as they have not provided sufficient evidence to prove that this account belongs to me. There was no signatures provided or ID that was used to open this account. I have already filed identity theft case with the FTC And submitted documentation to Midland. They have failed to reach back to me, They have not provided any documentation with signatures or ideas requested. I have to block about five numbers a week from calling me because I do not stop calling from different area codes with different names. They have started to call my mothers phone number and all of my kids cell phone. My kids Are XXXX and XXXX. Both under age and they have called an integrated my kids for information How to get a hold of me. Yet they cant even prove that this information belongs to me. Harassment and phone calls have been going on continuously for months and months and months I would say for at least over a year and a half. They have multiple people in my family. I do not know Information but dont hesitate in the day and night
Consumer complaint received 2024-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-06-07
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. (TX)

I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.
Consumer complaint received 2024-06-07
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. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Re : Account number : XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my THE HOME DEPOT/CBNA account. 
I want you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for buying a home. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on the said account Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-07-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (HI)

I received a {$100.00} Amex gift card and have not been able to use it online. I initially tried to make a purchase though XXXX on XX/XX/2024. The balance showed a pending deduction of {$0.00} but the actual payment would never go through. It took about a week for the pending transaction to clear and the {$0.00} was returned back to the card. I tried to use it again today, XX/XX/2024 at another online retailer, and it feels like the same situation. Then I thought it needed to verify with a XXXX cent charge, so I tried to purchase a total under {$100.00}. My payment was still declined and now it seems I have to wait for the pending {$0.00} transaction to return back to the balance again. I also tried looking into the card FAQs and it stated that the card should be able to use online with my personal address, but that is not the case.
Consumer complaint received 2024-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

In XX/XX/year>, I tried to contact PNC regarding unauthorized transactions on my bank checking account and my PNC credit card. In XXXX, I went to a music networking event and spoke with various entertainment marketing companies and met for coffee with one business owner ( based on the presentation they gave and the response from the attendees ). 

While at coffee, my cross-body bag fell off the back of my chair and was picked up by XXXX XXXX ( the owner of the music marketing company and placed back on my chair. We wrapped up our meeting and headed out our separate ways. Upon me heading to my vehicle, he called out my name and came towards me and handed me my phone and wallet ( stating he noticed them when he was leaving out still on the floor under the booth where we were seated ). 

At the time, I thought nothing of it, until I began to notice extensive charges being debited from my account via XXXX. 

I noticed in XXXX, as I was working on my upcoming album release and was planning out my budget for advertising. I reached out to PNC to inform of this issue and the total amount of the transactions that were fraudulently debited from my account, even provided a spreadsheet export from their website where it shows the XXXX transactions totaling {$2100.00}. 

The claim I filed for my PNC credit card ( and my XXXX credit card ) were both refunded back to me, as they all were attached to my CashApp with my PNC debit card. However, PNC has refused to refund the unauthorized transactions back to my account and it is going on 2 years this XXXX and I don't understand why? 

I have been with PNC for a nice number of years and have NEVER had any issues like this, and the action PNC is refusing to honor goes against XXXXXXXX XXXX fraud protection ( which is the logo on my debit card ). My family 's attorney spoke with an executive at XXXX and was informed that PNC is in the wrong in this situation and when a customer 's information has been compromised, they should do everything to rectify the issue and not frustrate the customer. 

I just want the money that was fraudulently taken from my account when my phone and wallet fell out of my cross-body during a coffee meeting I had, and I didn't notice. Since then, I've updated the fraud protection on all of my financial accounts. 

I even tried to contact the company when all of this happened, but their website, and social media profiles were all wiped clean- it was like they were a ghost ....
Consumer complaint received 2024-07-19
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: Block, Inc. (DE)

On XXXX XXXX I submitted a dispute for a transaction of XXXX for XXXX and included documentation. They never acknowledged it and then never sent any updates on my dispute. I reached out on XX/XX/year> and even then they said they did not have any information at this time with an update. XX/XX/XXXX I reached out again regarding a some kind of update or provisional credit, anything to which they said my case was closed because they never received documentation. They never reached out to me for anything. I went back in my account and its actually still showing that my complaint has not been resolved or closed so someone is not only giving misinformation but have failed miserably in the dispute process. I also have the messages with each and every inadequate response they have sent to me when I inquired about my dispute on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I am requesting that XXXX  XXXX be removed from my credit report. The account has been charged off which means they received payment for the account. They are still reporting my account negatively on my credit report, which is illegal. They have made financial gains from my account and therefore can not negatively report the account on my credit report.
Consumer complaint received 2024-06-12
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. 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 Previous Address : - XXXX XXXX XXXXXXXX XXXX XXXX, GA, XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX 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 TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-05-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MI)

Thank you for the opportunity to ask for assistance. 
On XX/XX/year>, at XXXXXXXX XXXX., I received a phone call from Wells Fargo Bank. The # listed on my phone is XXXX. On the line, a representative ( I believed ) asked for me and when I acknowledged my name, went on to say that my accounts had been hacked through XXXX. He directed me to a XXXX representative and I told this fellow to call me back in 5 minutes so I could access my account on my computer. I also called the XXXX # listed above to see if it was legit. The normal Wells Fargo recorded message answered and I believed this was all real. 
When the supposed XXXX rep called me back, I moved money from my accounts and was led to believe that it would all be replaced. It was not. I admit that I am a fool for falling for this. I had approx. {$2000.00} scammed. 
When I called Wells Fargo to notify them, they opened inquiries and filed a report. Within a few days, a small amount of money was returned, but {$1500.00} is gone. I received XXXX separate letters stating first that they were investigating, then that they say that 'these payments were processed as requested, and that no error occurred. ' For me, the error is that I have NEVER seen a message from Wells Fargo alerting me that their dedicated phone numbers could be hacked and used against their customers. Asking for your help is all that I know to do. Isn't my money insured in some way? Doesn't Wells Fargo bear any responsibility for having dedicated numbers vulnerable to cheating customers? Aren't they a massive company with the world 's best IT people? 
Thank you for your time in this matter. Best Regards
Consumer complaint received 2024-04-26
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. (FL)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-07-19
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: Bridgecrest Acceptance Corporation (GA)

I am formally requesting the deletion of these unauthorized items from my credit report. It is imperative that these inaccuracies are rectified as soon as possible, as they are having a detrimental effect on my creditworthiness. 

Please consider this letter as my third attempt to resolve this matter. I urge you to take immediate action to investigate and remove these discrepancies from my credit report. I am willing to cooperate fully with any investigation conducted by your organization or by the Federal Trade Commission ( FTC ) to resolve this issue promptly. 



I trust that you will handle this matter with the urgency it deserves and provide me with confirmation of the actions taken to rectify these errors.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, I am writing to formally request a thorough reinvestigation into the inaccurate accounts being reported on my consumer credit report. I have identified several false instances and non-compliant information that require your immediate attention. 

Federal regulations mandate the complete, accurate, and compliant reporting of all information, particularly within the XXXX XXXX data fields. Any deviation from this standard is not only a violation of federal regulations but also a breach of consumer trust. 

I insist on your strict compliance with XXXX XXXX reporting requirements. You must provide me with irrefutable physical proof of the validity, accuracy, and compliance of the reported information. Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items. 
The method of contact used ( e.g., phone, email, written correspondence ). 
Whether you utilized a XXXX XXXX XXXX ( XXXX ) or an automated dispute verification system. 
A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 
If you can not substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ). 

Please address this matter with the urgency it deserves and provide a written response within the XXXX period as required by the FCRA. I expect a complete and thorough investigation into this matter. 

Thank you for your prompt attention to this serious issue. 

attached is my proof Idenity, Please do not send me stall letters asking to verify my identity.
Consumer complaint received 2024-05-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This accoutn is reported differently across all reports and none of it is correct. I dont understand how they are willing to commit fraud. This information is wrong. The XXXX, Experian and XXXX all refuse to do their required job and confirm and correct.