davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (VA)

On XX/XX/year>, Chime allowed a transfer of {$1000.00} and {$1500.00} for a total of {$2500.00} to be taken out of my account ( to a XXXX ) when my " allow transactions '' were turned off in the app. However, they refused my dispute, twice. They are legally required to stop all transactions from coming out of my account when my allowable transactions are turned off. If I don't recieve my money back I will be filing a suit in small claims court along with contacting the local/national news and social media. This is unethical and they failed their due dilligence to protect my account and funds when I was traveling. Please explain to me how my allowble transactions were turned off but funds were still transferred via your XXXX XXXX  XXXX money app? They also closed the investigation in 4 hours of filing whithin minutes of the transactions which means they did not even attempt to reverse the ACH/transfer. This is a failure of my consumer protection rights and I want my money refunded immediately.
Consumer complaint received 2023-04-21
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: Experian Information Solutions 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 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 2024-02-03
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. (OH)

I recently received a copy of my credit report and I noticed a lot of inaccuracies on my report. I reached out sent letters and proof and still no response in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a 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 payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-05-25
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 CARD XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Consumer complaint received 2024-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revco Management, LLC (TX)

On Friday, XX/XX/XXXX, I received a text message from Revco Solutions Debit Collector regarding an outstanding utility bill from XXXX XXXX. The message indicated that I owed {$200.00} for the final bill at XXXX XXXX XXXX, XXXX, TX. I immediately contacted Revco and was connected with agent XXXX, who explained that XXXX XXXX had forwarded the collection amount of {$200.00} to Revco for the mentioned address. During our conversation, I made it clear to XXXX that the bill in question had been fully settled in XXXX. I emphasized that the attempt to collect this bill was erroneous, as I am diligent in paying my bills on time and have an active service. When I inquired about the source of this information, XXXX informed me that XXXX XXXX had reported the bill for collection to Revco Solutions.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX of XXXX  my husband went to Wells Fargo in XXXX Florida and tried to deposit money into my Wells Fargo account I had three posits of {$150.00} each and a mobile deposit one was put on hold the other two was put into my availability and was told me I was able to use it in my account not only did I do that but they did not allow my husband to put any kind of money into my account even though he had my authorization and my funds to do it. So I went back up there at the very next day and put in cash funds myself into the bank and the bank was still showing that there was {$300.00} available to me in my account before I put any money in there and XXXX was on standstill for verification. On XX/XX/XXXX the {$150.00} that was on hold was put thrown out and it was said it was bad check or whatnot. But the other dollars was still showing available in my account so I pay bills because I assumed it was the money that my husband was trying to put in there and that the bank screwed up. Well I had XXXX cents to the good in my account this morning last night and this morning I wake up and it my account states that I'm negative {$290.00} and something cents in my account which is XX/XX/XXXX of XXXX the money was put into my account on the XXXX of XXXX so my question is and what I attract kept trying to ask her was how could y'all put availability for {$300.00} into my account for 4 days 5 days and then all sudden take it out of my account I told her she needed to make it right and they need to put my account back into the positive because I have never been negative in their accounts and this is the second time in years that I've had issues with Wells Fargo in XXXX they refuse to do anything for me they kept saying that I had to pay it I have to pay it I can't afford to pay {$300.00} that was not my fault because they put it in my availability when they shouldn't have and I made sure that it was available for 5 days in a row now I am on XXXX I only received a certain amount of month limited money a month in my account and now that they did this I have already got a new bank account because they keep telling me into red flagging me at the end every month every month they're doing this and I'm always having to put some kind of money into their account into that account and I can't keep doing it I didn't have this issue when I lived in Alabama it's only until I moved back to XXXX so my account is still negative {$290.00} and something since because they've refused to even if it was a scam they have FDIC to replace that and there is an act that's supposed to replace that money too if it was fraudulent
Consumer complaint received 2024-05-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-02-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/2024, I was expecting a {$2000.00} transfer from a XXXX XXXX XXXXXXXX ( XXXX ) account to my Capital One account. However, the funds did not reflect in my account on the same day. After waiting for three days and contacting Capital One, they advised me to wait an additional two days. Despite the wait, the funds did not appear, prompting me to visit a Capital One branch on XX/XX/2024. 

During the branch visit, a representative called their support line and initiated an investigation. I was instructed to contact the support line the next day to obtain the case number. Upon doing so, I was given a " sales force number '' to provide to the sender of the funds. I was told to wait for 10 days for the investigation to be completed. 

On the XXXX, frustrated with the delay, I requested my client to resend the {$2000.00}. This time, they sent {$2000.00} from a XXXX XXXX  account, but even after waiting for three days, the funds did not arrive. On the 25th, I contacted Capital One again, providing the Federal Reference Number for the second transfer, and they initiated another investigation, advising a 10-business day wait. 

When I inquired about the status of the first investigation, I was told by Capital One representatives that there was no record of such a case. Despite being given a " sales force number '' and being informed of an investigation by the branch, the representatives were not able to confirm it. Subsequent calls to the branch proved unhelpful. 

As of now, it has been 8 business days since the second investigation was initiated and more than two business weeks since the supposed opening of the first investigation. Unfortunately, I have not received the funds, and my numerous daily calls for more than a month to Capital One have left my questions unanswered. This has been an extremely frustrating experience with the bank. 

I suspected that it was my client that was in fault but he has sent me multiple documents that showcase that the money was transfered from his side and that it has been deducted from his account.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I was notified by my bank that a {$53000.00} line of credit was taken out under my name. I have called the collection agency along with XXXX, XXXX, and Equifax to help resolve this fraudulent charge. There has been no resolution as I initially learned of this issue on XX/XX/XXXX and have seen been working to remove this from my credit report ever since.
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (NV)

I received my Destiny Mastercard from Concora Credit and have faced significant issues with using the card. Despite having sufficient credit available, nearly every transaction I attempt is declined due to alleged fraud alerts. These declines have occurred for both small and modest transactions, rendering the card effectively unusable.

Each time a transaction is declined, I contact customer support. They inform me that a fraud alert has been triggered and instruct me to wait 24 hours before attempting to use the card again. Despite following these instructions, the same issue recurs with each attempt to use the card, even for low-value purchases. Support representatives claim that the fraud detection system is managed by Mastercard and can not be adjusted, which I believe is misleading. They also are unable to provide any information whatsoever as to what criteria determines the triggering of the fraud alert. 

Notably, my account has declined several transactions over {$20.00}, including a {$35.00} purchase at XXXX, while only approving smaller transactions under {$5.00} despite the fact that I had already shopped one time at XXXX for ~ {$17.00}. This inconsistency is perplexing and has caused significant inconvenience. I have attached a screenshot of my transaction history, highlighting these issues. 

Furthermore, the card carries a significant annual fee of {$120.00}, which was charged upfront. Due to the ongoing transaction issues, I have not been able to effectively use the card in the slightest, making this fee unjustifiable. 

I believe Concora Credit is not acting in good faith and is engaging in predatory practices by collecting fees without providing a usable service. I request a full refund of the annual fee, a review, and adjustment of the fraud detection settings, and a clear explanation of the criteria used for fraud alerts. I have searched XXXX, and it is quite clear this is not a problem isolated to myself.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Early Warning Services, LLC (TX)

I Have Tried Every possible way to cooperate with Early warning and they refuse to deliver on any of my requests through the mail or online disputes Like for an example I have provided them with a form of id my social security card and proof of residence and my phone number. My personal information It should only be one first and last name one current address as I provided and one phone number nothing else if I didnt give written consent
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2024-02-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (FL)

In XXXX  we experienced a foreclosure with Wells Fargo home mortgage when we lived in MD. 
We tried on many incidences to modify or short sale. We were blindsided during the remediation process with foreclose notice. We were not given advanced notice of auction. No remediation was offered during that time. Our paperwork was lost more than once. 
We not only lost our home that we purchased for {$620000.00}, Wells Fargo issues a {$200000.00} NOTE against us for what was lost in the auction. We not only have to recover such a significant financial loss, but can not purchase another home due to the note. 

Wells Fargo is now sending us a {$200.00} check to apologize for the error in not remediating our loan due to a glitch in the system. We do not want to cash the check and lose any chance of filing a lawsuit against WF. We have been saving money alongside recovery to retain an attorney. We have seen many lawsuits and settled claims in cases like ours and need guidance and assistance please.
Consumer complaint received 2024-05-25
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: Experian Information Solutions Inc. (NV)

I'm submitting a complaint to inform you that I was a victim of fraudulent activity. To address this, I researched how to remove the fraudulent items from my report and found that I need to visit the Federal Trade Commission at https : //www.ftc.gov to file an identity theft report. Per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report, reference number XXXX. Please find the attached documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : 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 According to FCRA Section 605B ( a ), credit reporting agencies shall remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc. (CA)

Hackers gained access to my MoneyLion account and withdrew money. I tried talking to multiple agents but none provided any solutions. Also the hackers changed the account phone number to theirs and I can't change it back to my phone number. The agents had told me I had to wait a month to change it back, so basically the hackers may still have access to my account for a whole month potentially. But yeah according to MoneyLion, I have to just wait a month to change it back. No one seemed to really care I lost XXXX $ off my account. This happened on XX/XX/XXXX and it feels very unlikely I'll get a remedy for this situation.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (CA)

XXXX reported two collections from Affirm Inc. one for the amount of {$480.00} and the second one for {$280.00}. I filed a dispute and contacted Affirm Inc to get some information on the matter. I provided Affirm Inc with all my information but they couldnt find any accounts under my name or find me in their files. I also explained to them the reason of my call and they told me they would take care of the matter since there was no record at all. Two weeks later XXXX sent me the dispute results but Affirm Inc didnt remove the collections. I submitted another dispute, called Affirm Inc again and did the same process for the second time with the same results. XXXX sent the dispute results ( again ) but Affirm Inc didnt remove the collections for the second time even tho they couldnt find me in their system. Today XXXX the XXXX early in the morning I filed the third dispute as fraud helped over the phone by an XXXX representative, called Affirm Inc for the third time and was told the same answer, ( no accounts in their system ). At the end of the day XXXX already contacted with a result and still showing the collections confirming that Affirm Inc is saying that the information they have is accurate, but when I call them they cant find any accounts under my name. The accounts show no first payment or any payments at all, it only shows the amounts and a day apart. All calls were recorded so itll be easy to collaborate my statement.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, is showing up on my credit report and I have never lived there nor do I currently live there. 
Please remove this address from my credit report.
Consumer complaint received 2024-06-01
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am writing to dispute the following information in my credit report. I have reviewed my credit report from the major credit reporting agencies and found several discrepancies under accounts attributed to Genesis Credit Management. 

The specific accounts I am disputing are : Account 1 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$260.00} Opened : XX/XX/XXXX Account 2 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$11000.00} Opened : XX/XX/XXXX Account 3 : Account Name : GENESIS CREDIT MANAGEMENT Last Reported : XX/XX/XXXX Open Balance : {$690.00} Opened : XX/XX/XXXX These accounts are reported inaccurately and are negatively impacting my credit score.