davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

I recognized ( 3 ) fraudulent charges to my Wells Fargo credit card made XXXX. There was a dining charge that was declined and a {$70.00} XXXX charge was reimbursed. ( I have XXXX XXXX XXXX cell service. ) However, the company denied and added back at {$1300.00} charge for an XXXX XXXX flight on my account. 

I was on a return flight from XXXX to XXXX for work on XX/XX/XXXX, the date of the fraudulent airline ticket was purchased for, and I reported the unauthorized charges on XX/XX/XXXX upon my return. I provided my employer 's approved expense report showing I was on another flight, purchased from my newly obtained travel card, but that was declined as sufficient proof. 

I requested they reopen the case for further investigation, and I filed a police report with the XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, and sent that to the fraud department to dispute the charge. That request was also denied. 

I then re-opened the case and provided information I obtained from an XXXX XXXX representative that the initial flight charged to my card ( ticket # XXXX from XXXX to XXXX XXXX ) was a " no-show '' and a travel credit was issued to the person who stole my credit card information. I also provided the subsequent ticket purchases shown below that were made by the persons with " international '' names. The XXXX XXXX representative said for the detective and/or Wells Fargo to ask for a supervisor at XXXX. I gave both parties this information, and Wells Fargo immediately, without any further investigation, declined to do this research and they did not provide me with any additional information on their denial of my claim. 

Ticket # # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Even after providing the above and escalating my case to corporate, Wells Fargo has still not provided any tangible information that proves I made this purchase, and they have failed to adequately investigate the fraud charge, especially based on all the evidence I have provided that this was apparent fraudulent activity.
Consumer complaint received 2024-02-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation (AL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

Item : BRIDGE CREST Account # XXXX Reason : Repo It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 tmy family and I were looking for a new dentist to try out. We went to XXXX dental group and on my first visit, they signed me up for a care credit account. However, I never signed the original documents, authorizing the treatment plan or the terms of the care credit account. Care credit prepaid this dentist XXXX XXXX {$9600.00} in advance for dental work that He never did on me. I have contacted the dentist and care credit numerous times. I have disputed the charges with care credit three times over the last year. I have submitted documents, proving work was not done and the original merchant copy documents unsigned and unauthorized.. Care Credit is aware this dental work done on me and have seen my documentation However, they told me they can not force the dentist to give back the money. in the meantime, I am getting monthly bills for interest and. late fee charges and watching my credit rating go down the toilet. I had one procedure done there, which I am willing to fully pay.. my insurance already paid him XXXX after my first visit I decided he was not the dentist for me and my family and I never went back. also, during the dispute process, this dentist submitted falsified documents with my forged signatures.. I have the original unsigned documents in my possession, which I will submit. Trying to resolve this matter, XXXX XXXX only wants to refund {$4900.00} of the $ XXXX me {$7200.00} for XXXX visit including {$3000.00} insurance payment. He charged me for 3 procedures he never did @ {$550.00} x 3. I have told XXXX XXXX that I am willing to pay for the legitimate procedure he did on me.. according to XXXX XXXX XXXX billing statement. I owe {$1500.00} including the insurance payment of {$3000.00}.
Consumer complaint received 2024-02-04
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (OR)

I was on unemployment in the state of Oregon in 2021. My unemployment claim says I received {$17000.00}. But I did not receive that much money. On the day it was deposited it was XXXX XXXX and the deposits went up more than the weekly payment then went down. I tried to copy the transaction history as proof. The website for the bank did not allow screen shots so I had to hand write it. I did. I also got locked out because of password issues. During that time I believe it was in XX/XX/2021 the bank website did a reface, changed their website platform. When the website was refaced it no longer said the same thing. I know that sounds off. Im not a bank savvy person. Its been 2 years I dont remember exact dates. I lost my journal and I have a job am working so I dont know what happen but I know I did not receive that money. I believe it was the bank that took that money because I do recall them saying there was a card request and I didnt request it and they couldnt tell me who did. I did call the bank several times in 2021 to get them to look into it but to no avail. I think it was fraud on the bank end because they were the middle man between my unemployment claim and my receiving the money. It was all so confusing and frustrating. I hope this helps you to check into that bank and their employees. Thank you.
Consumer complaint received 2024-02-09
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. (CT)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-24
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: EQUIFAX, INC. (KY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$7300.00}
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XX/XX/XXXX To Whom It May Concern : XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. The Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy XXXX  Bank of America and XXXX is a financial institution by definition under that title. 15USC 1681 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX, Bank of America and XXXX, XXXX, XXXX and XXXX do not have my consent to report my information, any and all consents whether verbal, non-verbal, written, implied or otherwise is revoked. XXXX Bank of America XXXX and XXXX  this account is reported as a charge off, according to 15 USC 1681 and the Privacy Act of 1974 recognize charge offs as certificate of indebtedness, that is considered income and income is not reported on credit reports and must be removed. XXXX, Bank of America XXXX and XXXX did not inform me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Except as authorized under subsection ( b ), 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 This account is an adverse item they are reporting again without my permission which is against the law. Remove all hard inquiries. According to 15 USC 1681b They need your written consent to add anything to your consumer report if you did not give the authorization that is a violation of the Fair Credit Reporting Act. 15 USC 1681s-2 ( A ) ( 1 ) A States 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (GA)

In XXXX XXXX XXXX we contacted Ally Financial about purchasing our leased vehicle, we received the payoff amount and secured a loan to payoff the vehicle. 

XX/XX/XXXX we mailed a check certified overnight to the address provided by Ally XX/XX/XXXX the check was signed for. 
XX/XX/XXXX we called to verify if check was posted. The rep. we spoke to had no knowledge of the being recieved and told us it would be 30 days to post. 

After waiting 30 days called again and Ally had no knowledge of the check being recieved we explained that it was mail certified and was signed by someone at the address they gave for the payoff. The only remedy was to launch an investigation. We gave the amount of the check, check #, and copy of the post office delivery receipt. 

we received no correspondence from Ally regarding this matter, so we continued to call again on XX/XX/2023 and XX/XX/2023 The only solution that was offered was to send another check to the same address in which the first check was lost. The only means of purchasing vehicle was mailing a check to said address. 
Since launching an investigation Ally has not contacted us about the lost check. 
Since our lease was up in XXXX we surrendered the vehicle on XX/XX/XXXX, contacted Ally at the time of the surrender as of XX/XX/2023 Ally has not picked the vehicle up from the dealership. They have sent a letter dated XX/XX/2023 of notice to report negative information to the credit bureaus. We have also received collections calls which we informed them that the vehicle was at the dealership. We were told that it was illegal for Ally to contact the dealership. We contacted the dealership to inform them that the vehicle was at the dealership.
Consumer complaint received 2024-02-08
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. (CA)

As of a recent date, I noticed this account/collection on my credit I have no knowledge of, as well as inaccurate addresses and names on my report. I would like the following removed/corrected The correct name for my account should be " XXXX XXXX XXXX XXXX and the correct address should be " XXXX XXXX XXXX XXXX XXXX, CA XXXX '' Aliases XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX the following inquiries were not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

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 and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

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 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

this account was opened fraudulently XXXX XXXX XXXX XXXX office of attorney general and my information was part of a data breach with XXXX which they still have yet to address this.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (MO)

To whom it may concern, Collection agency is violating my consumer rights by using false misleading, misrepresentation and deceptive means. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S I am writing to file a complaint against NCB Management Services for engaging in debt collection activities within the state of Missouri without the appropriate licensing. According to my records and research, NCB Management Services does not hold a valid license to collect debts within the jurisdiction of Missouri. 

This unauthorized collection activity violates the laws and regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) as well as Missouri 's specific regulations regarding debt collection practices. I believe this conduct is unacceptable and warrants investigation and appropriate action by the CFPB. 

I request that the CFPB thoroughly investigate this matter and take necessary steps to ensure that NCB Management Services ceases its unauthorized debt collection activities within Missouri. Additionally, I urge the CFPB to impose appropriate penalties and sanctions on NCB Management Services to deter similar violations in the future. 

Furthermore, I would like to request that the CFPB keep me informed of the deletion progress of this investigation and any actions taken against NCB Management Services to delete all credit reporting immediately. 

Thank you for your attention to this matter.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-03
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (PA)

Sun. XX/XX/XXXX Purchase made at XXXX XXXX XXXX, card account opened at checkout First week of XXXX : Received full card details by mail, added information to online credit union/checking account Mon. XX/XX/XXXX Payment mailed from XXXX ( XXXX XXXX ) to Comenity Payment Due XX/XX/XXXX *Comenity does not address receipt in a timely manner ( intential? ) Payment Cleared XX/XX/XXXX Last week of XXXX : Receive next statement showing late fees and interest added. 

XXXX XX/XX/XXXX Call to address addition of fees, hoping to have this remedied and get the relationship off on the right foot. ( XXXX was a work-from-home day that allowed me the privacy to address this during normal business hours ) NO PEOPLE ARE AVAILABLE AT THE PHONE NUMBER LISTED ON THE BILL ( intentional? ) Multiple phone calls and attempts, trying different combinations of recorded menu selections until I finally chose close my account thinking THAT might get me to a person. It did not, a recording told that the account was closed. 

No person from Comenity contacted me about the issue. 

XXXX XX/XX/XXXX a recording called me and I called the number back. This is when I learned that Comenity was continuing to add fees on top of their fraudulent fees and refused to fully remedy the situation. 

I paid XXXX  % of my balance on time. No fees were ever to be added to have been able to have generated additional fees. Thats the whole truth of the situation. My bill states that mailed payments must reach us by XXXX on XX/XX/XXXX and theres NO REASON that mine didnt. They left it sit there. 

XX/XX/XXXX Today I received my second phone call from someone saying theyre calling from XXXX XXXX XXXX it sounds like a call center in XXXX XXXX and then they immediately disconnect the call. My concern is that this fraudulently behaving company will use these tow phone calls to say that theyve tried to contact me when, in reality, they are calling and hanging up only seconds into each call.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX my Bank of America Account was accessed without my consent thousands where stolen from my debit card money from my XXXX and XXXX accounts was transferred into my Bank of America account and then it was stolen multiple transactions where made none of them by me I made a claim with Bank of America and it was denied I need help returning my stolen money
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (MI)

I have several addresses on my account that I never lived at, and the result of that I have credit cards open in my name that I did not open. I have late fees on a close account. Thats the affects my credit to this day.