davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-20
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: Experian Information Solutions Inc. (FL)

I recently disputed this account in XXXXXXXX XXXX XXXX and I received notice that you have updated my account. I would love to know how you completed this investigation because I am aware of several still existing inaccuracies. This should not be the case after your investigation has been completed. One account that has been previously disputed is still reporting inaccuracies after your investigation. How is this possible? I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence. Please include all names and contact information of employees that you spoke to as a part of this investigation. Clearly, you just pushed my dispute through XXXX because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 
XXXX XXXX XXXX XXXX # XXXX ) Delete this erroneous account IMMEDIATELY! 

-Open date is reporting inaccurately - Date last active is reporting inaccurately - High credit is reporting inaccurately. This accounts is inaccurate. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the actions being taken against the company. 
Under federal law you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that this account be deleted immediately or will file for litigation. I demand this account be deleted immediately as I will be seeking litigation
Consumer complaint received 2024-04-20
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. (NY)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Inquiries : XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX :
Consumer complaint received 2024-08-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On XX/XX/year> at approximately XXXX ( XXXX ), I received an email from Capital One informing me that my XXXX checking account was " permanently restricted '' due to an overdraft ( less than {$3.00} ) that had reached their maximum of 52 days. This was also the date that my SS check was auto-deposited to that account, but likely after midnight, as it has been for the past XXXX years. SS is my only source of income and I have also become XXXX and unable to work, which I have explained to Capital One many times. I called Capital One the morning of XX/XX/XXXX to request the restriction be removed as I now have no access to my money ( any money ) to pay my rent, buy food, etc. I also spoke to a supervisor. The result : My account will be closed and I will not have access to my money until they close the account, which will be XX/XX/XXXX, at the earliest. I can not receive the money electronically, but the supervisor said they would " mail me a check. '' I have no idea how long that will take. Meanwhile, I have no money - XXXX - and I can not open an account at any other bank without a minimum deposit of {$100.00}. I'm out of food, I can't pay rent, I can not pay for transportation to my doctor for treatments, etc.
Consumer complaint received 2024-04-20
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: Experian Information Solutions Inc. (TX)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/year>, I received a SMS text message on my XXXX saying " CHASE ALERTS with wire transfer was being attempted from my Chase Bank Account ''. A man called me on the same number introducing him as " Chase Representative '' and told me about high call volume being reported with similar Fraudulent wire transfers by a lady named XXXX XXXX from XXXX, Ohio. 

He then transferred me to a Supervisor from Chase XXXX XXXX XXXX XXXX team, who gave me his name. He told me my account is already compromised and he is here to help & trace this lady and collect evidence. 

He asked me for my Chase username and password for disablement purposes. 
Thinking he was a Chase Representative trying to help, I provided him this information. 
He then had me setup some wire transfer entries for investigation & testing purposes. 

He tricked me into setting up wire transfers ( Authorized by me ). 
But I did not know the wire transfers were set to go to XXXX Bank. I did not create those entries. I did not receive any XXXX XXXX from Chase Bank regarding these new wire transfers setups which was unusual & out of pattern activity. 
I never wire transferred any money to XXXX XXXX  in the past. 

Unfortunately, till now I could not sense his ill intentions & gave him XXXX thinking it will be used for investigation purposes. He told me my account will reset within XXXX hours. I should call him next day XX/XX/XXXX to continue with the investigation process. 

He again repeated the same process next day XX/XX/year> telling me it was for investigation purposes and my account will reset in XXXX hours. My account did not reset and I saw all my money wire transferred, leaving me with a very low balance with all my money stolen. 

As per Chase representative, XXXX wire transfers were made to XXXXXXXX XXXX  XXXX in XXXX different accounts.
Consumer complaint received 2024-04-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (AZ)

The week of XXXX of XX/XX/2024 on the XXXX or XXXX a representative of Midland credit management inc. a debt collector called my soon to be XXXX XXXX ( this credit card existed before we were married and has nothing to do with this individual ) and shared confidential information. By disclosing my debt to this person who is not authorized on the account and is XXXX. How dare these people violate my privacy and civil rights. They should have called me.. I have not received not one call or email from them.
Consumer complaint received 2024-04-20
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)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

My phone was stolen and I called them to report that and they did lock my account and or card so all the money I had in my account was gone they did a car payment and send money to the same persone allot of time they said that they secured my account ya after my money was gone they said they didn't find any errors becuz it was all done thro my app that's because they had my fone so there finding determined that no error secured
Consumer complaint received 2024-08-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: BMO Bank, N.A. (IL)

During the weekend of XX/XX/year>, I attempted on several occasions to apply for a BMO Alto certificate of deposit or " XXXX. '' The term is 48 months and the XXXX at the time was XXXX percent. Unfortunately, each time I applied for the CD, I was denied. My application consisted on inputting my personal information including my XXXX XXXX XXXXXXXX and date of birth. The denial e-mail message I received from BMO was very nebulous and stated the following, " Hello XXXX XXXX, Thank you for your interest in BMO Alto. Unfortunately, your account application has been declined. If you believe you have entered information incorrectly, we invite you to re-apply. Thank you for choosing BMO Alto. 
Application ID : XXXX Email ID : XXXX ** This is an unmonitored mailbox. Please do not reply to this email. ** '' On Monday XX/XX/XXXX, I called the BMO Alto customer service number and spoke with a representative that emphatically told me she could not provide an explicit reason as to why my applications were denied. When I protested, she indicated she would file an internal complaint and secured my contact information. Unfortunately, I never received a reply. On Thursday XX/XX/XXXX, I visited the BMO branch at XXXX XXXXXXXX XXXX  XXXX in XXXX and spoke with XXXX. He emphatically told me that the online banking division is completely separate and there is nothing he could do to help me or direct me to somebody that could be of assistance. 

The refusal of BMO to provide me with specific information as to why my application was declined is highly disappointing and may contraindicate the regulations that require an explicit notice of adverse action of " XXXX. '' If my application was denied because of the inability to a credit reporting agency to verify my identity, I should be provided with the name and contact information of the agency so I can resolve the problem. I may purchase a home later this year and I want to ensure there are no issues with my credit reports.
Consumer complaint received 2024-07-21
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: BROKER SOLUTIONS, INC. (AL)

I applied for a mortgage thru XXXX Thru New American Funing XXXX XXXXXXXX My credit score is in the XXXX or higher range but because I had seriously delinuency which does not belong to me under my name it is someone else SSNumber listed I tried to explain that to them and that I had sent in my information to all three credit bureaus trying to get it deleted. The credit bureaus have not responded back to me I even asked for an updated copy of my credit report and haven't received one from either credit bureau. So XXXX denied my loan because of the inaccuracies on my credit report even after the explanation. They have a clause stating that they do not check your credit well obviously they do and denied me because inaccurateness ' on my credit report. I don't understand because they simply stated that they work with bankruptcy, low scores and bad credit so if they do why was I denied. Thanks
Consumer complaint received 2024-08-02
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (DE)

This complaint is directly related to the previous complaint under # XXXX. The latest statement from Synchrony Bank shows a credit of {$140.00}. Since I will not use or activate a new credit card and will never shop at Sam 's Club I requested in writing a credit to be issued to me but did not get any response. I want that particular credit to be returned ( credited ) to my XXXX XXXX XXXX account.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed out of almost {$4500.00} out of my Wells Fargo checking account on the evening of XX/XX/year>. I filed six claims : XXXX. {$270.00} XXXX. {$900.00} XXXX. {$500.00} XXXX. {$900.00} XXXX. {$990.00} XXXX. {$880.00} Claims were all denied next day. I called Wells Fargo and everyone there told me there was nothing I could do since I authorized it. 

I filed a police report ( case # XXXX ). 

On XX/XX/XXXX, the XXXX XXXX XXXX published an article titled " Regulators Probing Big Banks ; Handling of XXXX XXXX. '' Here are a couple quotes from the article : " Since last summer, XXXX has required its member banks to reimburse customers for certain disputed transactions even when the victim authorized the payment, such as when scammers impersonate a government official or a customer 's bank. '' When I called WF today and asked to have my call elevated to someone in the claims department, I was told they don't reimburse for authorized transactions even when it's a scam involving someone impersonating Wells Fargo. When I read the above quote, they shrugged it off and said it was just an article. 

I am not a gullible person, usually. I was woken from a nap, while I had covid, by a call from the XXXX Wells Fargo number. I only use Zelle to receive rent from a tenant in that Wells Fargo acount, so that was the hook in my case. The scam was very professional, with multiple people. I was put on hold and transferred. There has to be some accountability. If there's no recourse for victims like me, who's to say it's not Wells Fargo doing to scam their own customers?
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC. (IL)

I was a victim of a scam involving a bad check that I attempted to deposit into SoFi. The check bounced and I was sent an email on XX/XX/year> stating that my account had been temporarily restricted. Since then, Ive tried to get into contact with their support online and on the phone. Their online support says they cant help me and when I called I was told to wait 30 days and try to reopen my account. Its been months and I still cant.
Consumer complaint received 2024-06-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc. (CA)

In XXXX of 2023 my account was deactivated for an unknown reason. Since then I have attempted to get the rationale to no avail. Today I was told it will not be reactivated and they won't be revealing why. I can not correct what I do not know. I do XXXX XXXX XXXX XXXX  to customers. I haven't used square often but have had issues. I joined a group of square users on XXXX and this seems to be a consistent practice. Withholding funds in accounts and randomly closing accounts without explanation. As a XXXX XXXX XXXX who relied on this account I am dumfounded as to a company being allowed to run a company without oversight and effecting the livelihoods of consumers to sometimes a devastating effect.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

I have been engaged in a lengthy endeavor to challenge the presence of incorrect information on my credit report. As per the Fair Credit Reporting Act ( FCRA ), I possess the right to dispute any inaccuracies that exist. In my pursuit, I have sent multiple dispute letters and reached out to the credit bureaus, given the multitude of names and addresses listed that are entirely erroneous. I have never been associated with these names before. I have provided legal documents such as my ID, proof of address, and social security details to establish my identity beyond doubt. Unfortunately, despite my efforts, the credit bureaus persist in misrepresenting this information. This situation poses difficulties when I apply for credit-based services and raises concerns about potential identity fraud. I also keep receiving letters/email responses from the bureaus delaying my disputing efforts simply because I choose to use a credit assistance service. It is my right to choose to dispute the information on my credit report in the manner I choose. They do not need proof of how I choose to dispute. They must simply follow through on their end to address the inaccuracies and correct them as legally obliged.
Consumer complaint received 2024-07-09
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 disputed the XXXX. Also stated accordance with the Fair Credit Reporting privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-06
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: BARCLAYS BANK DELAWARE (NY)

On XX/XX/year>, while on vacation in XXXX, XXXX, I went to fill up at a gas station, where I handed my credit card ending in XXXX to the gas attendant who had a HANDHELD CREDIT CARD MACHINE, I assumed that the HANDHELD CREDIT CARD MACHINE was for the GAS STATION and no other business. He then proceeded to run my card on the handheld credit card machine that I thought was for the gas station and then returned it back to me stating my card was declined. I was not given proof of said declined charge. As a result, I proceeded to pay with cash where I was not provided with a receipt for cash payment. I was not aware this handheld credit card machine was for a business named XXXX XXXX XXXX  from XXXX XXXX . I DID NOT authorize payment of {$590.00} to this said merchant, only to the gas station XXXX. 
Again, although I DID hand my credit card for in person face to face charge, I was made to believe that the handheld credit card machine was for the gas station XXXX. I was not informed that handheld credit card machine was for another business. 

It is impossible to believe that I may be the first person that his happens to where people hand over their credit cards to be charged on a handheld machine, be told it was declined and later find out card was charged for a transaction that was not authorized. 

I am very displeased with Barclays asking for proof of payment with other means, as I stated before, when I was informed my card was declined ( with no proof provided ), I paid cash and was not provided a receipt for cash payment. I re-state, I can not be the first one that isnt provided a receipt for cash payment. 

Your letter dated XX/XX/year> mentions that Merchant has not violated the terms and conditions of the contract. I have called Barclays asking for the contract and the contact information of the merchant so I can then dispute the charge with the merchant directly. Barclays fails to provide this information. This is also unacceptable.
Consumer complaint received 2024-08-28
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. (TX)

In accordance with the fair and credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX Account # XXXX XXXXXXXX XXXX XXXXXXXX I looked at my EQUIFAX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( ii ) promptly notify the furnished of that information that the information has been modified, or deleted from the file of the consumer. and according to 15 USC 1681 S-2 they are suppose to 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 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.