davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I am writing to formally complain about the inaccurate information on my credit report that has not been corrected despite my previous dispute. The dates of last activity, date opened, and date last reported for certain accounts are incorrect. I was informed that the account was verified, yet no changes have been made to my report. 

Additionally, I have not received any response to my last complaint regarding this matter. I request that you either update this inaccurate information or remove the account from my credit report immediately. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AZ)

XX/XX/XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by WFBNA in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Closed, 90 days late opened XX/XX/XXXX. 
I challenge the accuracy, compliance and reportability of this listing. Please validate this information with WFBNA and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (MD)

I took out an auto loan with Wells Fargo. I traded the car in for a different car. The loan was paid off. I requested my GAP refund from Wells Fargo. I was told it could take XXXX to XXXX days. About XXXX  days later I received a check for the amount that my loan payments were. That seemed weird to me. That could not have been a coincidence. I called Wells Fargo asking about this discrepancy and wa told that was XXXX a coincidence. I was told I was only eligible for XXXX  % of my GAP insurance amount. He said do the math. It ended poorly.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a total loss accident back in XX/XX/XXXX. The vehicle was paid by my insurance, and a small balance appears on the account. Per statement received, next payment due would be XX/XX/XXXX. Financial Institution report delinquency that still affecting me. The vehicle was never late. They reported 60 days past due.
Consumer complaint received 2024-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NJ)

Navient Will not let me add my bank account information, stating that a transaction was previously returned. This means I have to pay by debit card each month. On a phone call a couple months back they stated they could manually add my account for auto-pay. I went through the process over the phone, and at my next payment cycle the bank account had not been added. 

Some of my Navient loans changed servicers to XXXX. I have never made a payment to XXXX, but am receiving the same error on their site when attempting to add my checking account. I feel too much information was shared between these two companies regarding my bank account information. And it is also very difficult to set up consistent payments through both providers.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (IL)

XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, XXXX Amount- {$0.00}. Amount- {$0.00}. 

XXXX. XXXX, XXXX. XXXX XX/XX/XXXX. XXXX Disputed the account with XXXX. Was not satisfied with the outcome. Reached out to the company they have no knowledgeable information on the situation. Asking for this closed account to be removed from my credit report!
Consumer complaint received 2024-09-16
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. ()

This concerns Chase Bank New York with whom I have had accounts with for many years after my XXXX  XXXX accounts, which were opened in XXXX, were transferred to Chase. 

When I tried to send money to my daughter 's Chase account for her birthday my access was shut down due to " suspicious activity ''. 

That was 2 years ago and I've called them at least 20 times on various numbers to no avail. I got a letter by post saying that as I hadn't made any deposits they might close my account and confiscate my money. 

The dates are from XX/XX/XXXX to now. The total amount of money in my checking and savings accounts is about {$7000.00}. Whenever I try to access my accounts it says access denied due to suspicious activity.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (FL)

On XX/XX/XXXX I recall that my XXXX went bezerk and shut it off when I turned it on a XXXX screen hover over it and I took it to a repair shop here in florida the repair person told me my phone was hacked and he stated that nothing happend smart of you to turn off the phone, aiat took me five hours to recover all my information as blue screens showed also after that incident I did not pay any mind to it my girl firend and I are engaged and trying to buy a house it is XXXX XXXX when the real estate agent ran my credit XXXX XXXX  accounts showed up as mine nothing of that I dont have a XXXX  card I called XXXX and they told me nothing we can do pay up or we will send collections notification never got any I bessech you helped me and let me get a striaght answer to this neglect
Consumer complaint received 2019-06-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

- I opened an account in or aroundXX/XX/2018 

- HSBC offered a welcome bonus to open an account at that time. 

- I met all the conditions of that offer and HSBC is refusing credit the bonus stating that I did not apply under that offer.

- HSBC made multiple errors during the account opening process ( and took more than 2 weeks to even open the account )
Consumer complaint received 2024-06-09
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. (VA)

In accordance with the Fair Credit Reporting act. The accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX Account # XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 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. (IL)

PLEASE BLOCK AND REMOVE I strongly urge you to promptly address this error and clear me of any responsibility. It is vital that you conduct a thorough investigation into this matter and rectify the mistake swiftly. Your immediate attention to this matter is highly appreciated.
Consumer complaint received 2024-07-18
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 (NV)

Well XXXX are planning on taken XXXX out my account for some pills that was order off the internet that I didn't order I sent the pills back and told them I didn't order this .They said they told Wells Fargo this and I didn't order them I think are abusing my intelligent because of my age because Im a senior citizen and I dont need to order those pills off the Internet I get my pills from the doctor. I don't have money to give away for something I didn't order.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I received a phone call from " XXXX '' who claimed to be with the Wells Fargo fraud department. His caller ID said " Wells Fargo '' and the number ID matched the one on the back of my debit card. He claimed that a suspicious activity was occurring in my account and we needed to stop the wire theft and retrieve the funds. He knew the last XXXX digits of my social security number so I believed him. There were XXXX wire transactions- XXXX for {$5300.00} and another for {$8200.00}. He then asked me to confirm a code sent via text to me that said it was from XXXX XXXX I confirmed the code. This process continued for about XXXX more codes and " XXXX '' then confirmed that they were registering the fraud with Wells Fargo fraud department. I was to be called the next morning to confirm. That call never came. Before hanging up, this person asked that my wife and I set up call forwarding to XXXX so that they could intercept any fraud calls. Essentially they set us up so that the real Wells Fargo fraud unit could not reach us. The funds ( {$13000.00} ) were then wired out to an account in the name of XXXX XXXX at XXXXXXXX XXXX. By the time I realized what had happened, I cancelled the call forwarding and contacted Wells Fargo. The scammers had emptied our savings and checking accounts, and also somehow managed to draw down on an old line of credit that I thought was cancelled ( part of the {$5300.00} ) ; they also took a cash withdrawal from my XXXX XXXX XXXX basically taking the money I had just sent to make the payment on that card ( {$700.00} ). These scammer were quite sophisticated insofar as they had somehow hacked into our accounts to sound knowledgeable enough to convince me of their authenticity.
Consumer complaint received 2024-06-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (OK)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: WELLS FARGO & COMPANY (SC)

I am writing to formally lodge a complaint regarding the handling of a fraudulent transaction involving my XXXX account with Wells Fargo. The details of the incident are as follows : On XX/XX/XXXX, I became aware of a fraudulent transaction to my XXXX account. The funds were transferred by an individual who had been scammed on XXXX in a separate transaction involving the purchase of XXXX XXXX. Initially, I was under the impression, based on information from a coworker on XX/XX/XXXX, that this transfer was legitimate and intended for their relative. 

Shortly thereafter, on XX/XX/XXXX, I was contacted by the individual who had made the XXXX transfer. Due to the circumstances and without verifying the legitimacy of their claim, I did not provide my identification to them. Subsequently, this person initiated a complaint with Wells Fargo to investigate the transaction. 

Despite my attempts to clarify the situation and explain that the funds had been sent under false pretenses, Wells Fargo proceeded to close my XXXX account without sufficient communication or investigation. It was only later, on XX/XX/XXXX, that I discovered the true nature of the transaction and was able to contact the person who received the funds fraudulently. Together, we resolved the issue independently, and the funds were returned to the rightful owner. 

I promptly informed Wells Fargo of these developments and provided all necessary information, including confirmation from the affected party 's bank that the case had been withdrawn. Despite assurances that the matter would be investigated, subsequent follow-ups on XX/XX/XXXX and XX/XX/XXXX have yielded no progress. I have not received any updates or resolutions from Wells Fargo, nor have I been provided with the requested documentation regarding the withdrawal of the case.
Consumer complaint received 2024-07-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc. (GA)

I have {$920.00} with blockchainXXXX in cash and have had this account for nearly XXXX years. I tried to transfer it to my XXXX XXXX account via XXXX and the system wont let me. Ive called their support line and sent multiple emails to them and there is no response. This has been going on for XXXX  months Ive tried to get my money out of this digital wallet and they wont allow me. This feels a lot like a scam.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

XX/XX/year> {$4100.00} Jefferson capital XXXX XXXX XXXX I never had a XXXX account, this company is under litigation for data breach .My information has been compromised.Please remove this account immediately from my credit report.
Consumer complaint received 2024-06-18
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. (NJ)

I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ].

It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities.

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Employer - XXXXXXXX XXXX  Employer - XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged AHF - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (NC)

I received services from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The provider is in my insurance network. They filed a claim and were paid the negotiated rate by XXXX ( who use the XXXX XXXX  ). My deductible was satisfied at the time of service, and the maximum out-of-pocket had been reached for the year. It appears the provider made an error and did not code the account as " in-network '' for insurance purposes. They applied the payment from my insurance provider and billed me their regular rate, not the contracted rate with the insurance provider. 

I received a collection letter dated XX/XX/XXXX from Revco XXXX XXXX. I responded in writing on XX/XX/XXXX, providing a copy of the Explanation of Benefits from XXXX. 

I received additional communication from Revco dated XX/XX/XXXX indicating they investigated my dispute and the balance is deductible, copay, or coinsurance. That is incorrect. They clearly did not perform an investigation. 

It appears Revco Solutions is using tactics to collect debts that are not owed.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

ProCollect has placed an account on my credit report that does not belong to me. I never submitted an application nor have I ever lived at the apartment complex in question. I have attempted to contact ProCollect regarding this issue, but the company has been unhelpful in resolving it. I have disputed the account multiple times and requested debt validation, including a copy of the signed lease and my ID. However, ProCollect has refused to provide the requested information. I am now formally requesting that this account be removed from my credit report immediately.
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My account was restricted on XX/XX/year>. I called Citibank and they said they sent a voicemail message with the reference code required to regain access to the account, I never received any voicemail from them. They said a letter in the mail would be sent to me with a reference code within 7-10 business days from the account restriction. By today, that would already make it 24 business days since the account was restricted which is well over the timeframe, I've even requested a second letter to be sent. I've never received any letter in the mail from Citi or voicemail, it seems they just want to milk the time they're holding my money. What doesn't make sense to me is why verifying with my state id in a branch isn't a viable option for verifying myself. I've researched this issue and many other people had this same issue with Citi, some were even getting the letter sent to previous addresses they had. Just a terrible, shady company.
Consumer complaint received 2024-06-09
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)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Consumer complaint received 2024-05-28
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (FL)

XXXX loancare contacted 5 times for request to provide information regarding what mortgage assistance program I was enrolled in during the following time frame { XX/XX/XXXX through XX/XX/XXXX. 
XXXX Loancare has only been able to provide information for forebarance and partial claim information in prior to dates listed and after. I am requesting records for what type of assistance I was receiving { ex. hardship, forebarance, covid 19 disaster, natural disaster, ect. } each month, for the time frame provided { XXXX }. 

Loancare has been unable to provide this information for all of the months being reported on my record as late and I have attempted to receive my payment assistance record by phone, through webpage records request. I was told per several representatives, this intormation, for XXXX is unable to be obtained or is unable to be accessed. 

Please assist Thank you, XXXX