davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-03
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: Experian Information Solutions Inc. (MA)

I had moved in XX/XX/XXXX and called Experian to change my address on my credit report to the new address. Not only did they fail to do so the first time after they said it was done. I called again explaining it was not changed and the same thing happened again. I called a third time and let them know this is my third time calling, I was told it was correctly done this time and I did see an update online but when I checked my credit report I was not able to check it. 

I was waiting for my address to updated so I can apply for credit for a {$2000.00} pre approval credit card and was denied and was told that it was due to no address being reported on my credit report. I also was trying to obtain business funding and couldn't 've done so until it was put back on my credit report. 

This has been since maybe XXXX or XX/XX/XXXX and have spent months calling them complaining about this, I was finally told that the representative deleted my correct address from ( 1 ) of the two locations where my address is supposed to be placed. The one they deleted, is the one that allows myself and lenders to check my credit report. 

They kept telling me that I would have to mail proof of identity using license and proof of address, I did so multiple times and kept getting responses saying that they dont believe the dispute was coming from me. I was also told to file the documents online which hasnt worked for months and they were made aware as well. This was all ridiculous since Id have to waste time and money on something that was an employees mistake. They gave me NO resolutions on the phone to fix their mistake even after speaking to a manager. This has caused me a huge inconvenience and wouldve been HORRIBLE had i been trying to get a mortgage. 

I havent been able to check my report or apply for anything for over 4 months. Im attaching proof of letters i sent them showing proof of delivery and signature as well as their repsonse saying they dont believe its me. I need them to place my address on my credit report. 

XXXX XXXX XXXX, XXXX, MA, XXXX D.O.B. XX/XX/XXXX
Consumer complaint received 2024-06-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

This company has been double dipping into my TRUST which is a crime this account was paid on XX/XX/year> with BUSINESS.CT.GOV Filing number XXXX
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute fraudulent accounts on my credit report, which I believe are a result of identity theft. The unauthorized accounts are : 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 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

This company is reporting late payments for XXXX and XXXX of 2023 and has failed to provide any verifiable proof within 30 days of my requests to do so. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 b of this title is delivered to the consumer not later than 21 days. I never gave any written instructions to furnish this data which is a violation of 15USC 1681b. They must comply with 15USC SEC 1681li ( a ) and I am gathering all of this information with help from my attorneys for further litigation. I demand said late payments be removed immediately from my consumer report.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (NJ)

On XX/XX/2023 three ( 3 ) separate charges, each in the amount of {$1300.00} were made in the XXXX XXXX in XXXX, Florida ( Store Number XXXX ). When I noticed these fraudulent charges when I checked my online banking app on XX/XX/2023 I went to my nearest Wells Fargo bank branch. I worked with a banker to report this fraudulent activity to the fraud claim department. The credit card used for these transactions ( ending in XXXX ) was immediately closed. A few days later I received a new credit card in the mail. 

I never received any follow up from Wells Fargo about the status of this investigation. On XX/XX/2023 I called Wells Fargo and they told me that the investigation was closed, and I am held responsible for the charges. Since I had never received any documentation from Wells Fargo in reference to this I requested a copy of the letter and the supporting documentation used in their investigation. 

In a letter from Wells Fargo dated XX/XX/2023 Wells Fargo noted " the transactions is question are pos XXXX, meaning that the physical actual card used the tapped feature at merchant location. Since the XXXX chip was in your possession during the time of the transactions it has been determined that the transactions are valid. '' I requested that Wells Fargo reopen this claim, and at the advice of Wells Fargo, I supplied a police report and documentation from my employer that I was present at work in XXXX, New Jersey on the date of these transactions. Since the transactions were made in XXXX, Florida, it was impossible that I authorized these transactions. Wells Fargo has since receiving this documentation, denied the claim a XXXX time. 

I contacted Wells Fargo today and advised them that I would be filing a report with the CFPB and the New Jersey Division of Consumer Affairs. They advised me that they will reopen the claim once more. I advised them that the police department is looking into the video footage that the XXXX XXXX has of the person who made the purchases, but I have not received any follow up from the police department in regards to the release of this footage. 

I am seeking full reimbursement of the XXXX separate purchases of {$1300.00}, for a total amount of {$4000.00}. I am at a loss as to what I need to do to get this money credited. It is obvious that I did not authorize these purchases, but supplying Wells Fargo with all the supporting documentation I have, they continue to deny the fraud claim.
Consumer complaint received 2023-06-17
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC ()

I sent a consignment with moneygram to my mother the quantity of XXXX with fees XXXX the day XXXX of the current month, but there was an issue that in the bank didnt want to give her the money because was one name missing, so I cancel the transaction whiting XXXX minutes after made, until now I havent received my refund I sent an email to the company but no one answer back.
Consumer complaint received 2020-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

XXXX XXXX XXXX XXXX  authorized without notification a fraudulent ach transfer from USAA in the amount of {$26000.00}. It has been 84 days since I filed the police report and notified XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX informed me I was past the 60 day requirement to notify of fraudulent activity. I was at 68 days to report. Fraudulent charge was debited from checking account on XX/XX/XXXX, at the onset of the pandemic, followed by state-wide shutdowns. Focus was on my XXXX, not myself until later in the shut-downs when I wanted to invest more into my XXXX for XXXX  XXXX, which is when I noticed the fraudulent charge. 

XXXX XXXX XXXX claimed they would develop a conclusion between 45 - 60 days of reporting. They are no longer providing additional information as to the status of the claim. 

Contacted Attorney General, State reps, and personal attorney. 

Causing extreme mental and emotional anguish. Police contacted for a wellness check. 

XXXX XXXX XXXX XXXX  claims they are unable to reach anyone at USAA. USAA claims XXXX XXXX XXXX XXXX  has no record of contact. Faxed information to USAA on XX/XX/20. 

Very possible I will be homeless. Loss of income for my XXXX. Mental anguish. No forbearance in reporting due to COVID-19 pandemic.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On the morning of XX/XX/2023 I woke up to an email stating unusual activity on my debit card. Upon checking my online banking app I discovered that {$5000.00} were missing from my Savings Account. Immediately after discovering this I contacted Wells Fargo through their customer service number. Followed all the steps instructed which included closing both my Checking and Savings Accounts as well as open new ones and transfer the remaining funds to them. A Claim Inquiry was made that same day here 's the claim reference number XXXX I was contacted after the investigation was done and was told that the money that was withdrawn totalled to 3 different transactions. I was credited with the sum of {$2000.00} for one of the transactions but was told that a new claim case was made to further investigate for the other transactions. Here 's the 2nd Claim Inquiry XXXX upon getting an email from one of the Associates at Wells Fargo I was instructed that they needed to have a word with me, I got this email on Friday XXXX the XXXX of 2023 at XXXX XXXX. Minutes has just passed after I received the email when I reached out to them trying to get some closure on my inquiry but have since failed to do so and tried since then to get a hold of XXXX XXXX. XXXX but had had no luck doing so I left multiple voicemails but haven't heard anything back yet.i took it upon myself yesterday and called the Claim Inquiry Department that specializes in this cases and was told that the case had been closed since they couldn't gather enough evidence to support my claim. 
I really hope you are able to assist me with the matter in hand as that is hard earned money that I wish to get back. Only reason I have the money in the bank is for that sense if security but now that trust and safety has been broken. 

Thank you for your time. 

Best Regards XXXX XXXX
Consumer complaint received 2024-04-16
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. (FL)

I recently disputed this account in XXXX of 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 E-Oscar because you could not have read this dispute and continued to report against the FCRA. The FCRA states that ALL information must be COMPLETE, VERIFIABLE, AND ACCURATE. This account is not any of the above adjectives. Please delete this erroneous account immediately! 

Account # XXXX - Delete this erroneous account IMMEDIATELY! 

Several problems with this account AFTER an investigation : 1. The date active is different across all three bureaus. 

If EQUIFAX really did an investigation, why is the last active reporting date is XX/XX/XXXX when the account was disputed XX/XX/XXXX. It should state XX/XX/XXXX because that is the date they received the dispute and began an investigation.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Diverse Funding Associates LLC (CA)

On XX/XX/2024 XXXX at XXXX XXXX XXXX XXXX contacted myself and my sister within 5 minutes of one another. She answered his call where he discussed my debt and sensitive information over the phone while harassing her and violating code 805 ( b ) of the Fair Debt Collection Practices. Also, the debt collector on this account is listed as DNF ASSOCIATES LLC, which is not the company that was calling me. This is violating accurate credit reporting. I called XXXX back and he confirmed on a recorded line that he called my sister and said I could no longer contact XXXX XXXX but only him. 
Phone number : XXXX Associate : XXXX Calls : XXXX PST, XXXX EST, XXXX PST.
Consumer complaint received 2024-01-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

Greetings, I moved into XXXX XXXX XXXX by XXXX approximately XX/XX/XXXX. Shortly after, I received military order to move to XXXX XXXX, XXXX by XXXX XX/XX/XXXX. I was able to provide a copy of the military orders as soon as they became available. The management team at XXXX XXXX XXXX on location was extreme professional and although I provided them less than 60 days, they understood that there wasn't anything that I could due. I was able to successfully pay of my remainder balances and turned in the apartment without any discrepancies. Approximately 6 months later, I was contacted on numerous occasions by a XXXX employee attempting to seek payment for 2 months worth of rent. I stated to their collections department and manager that I was protected by the SCRA and that I was unaware of a short notice XXXX XXXX XXXX XXXX  and provided them a copy of my orders as soon a I possible could. After several failed attempts to collect {$3400.00} from me the telephone calls stopped around the end of XXXX. 

The end of XX/XX/XXXX, I was made aware that I had a collections account on my record. I reach out to the debt collector and explained my situation and provided a copy of my military orders. Simultaneously, I disputed the collection account with all 3 credit agencies. It appears that the company sold off the account to another collection agency or there was a name change, but the account reappeared on my report. I exhausted additional disputes, but the account has came back as " verified ''. 

I would like to make my statement clear : I paid all balances and closed out all debts associated with XXXX XXXX XXXX. XXXX attempted to obtain 2 months worth of rent out of me and were not going to release me from payment, although the SCRA clears me for breaking a lease early, due to military orders.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

I was alerted from my credit union that multiple Social Secuirty numbers appear under my name. I was told at least 4-5 different numbers show under my name and date of birth and address. I spoke to LEXIS NEXIS and was given no help regarding the matter. I would like to have this inaccurate information removed from my name and profile.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (NC)

The company called me today asking me for a copy of my Identification which seemed very suspicious. They explained it was about a reinvestigation and that they wasn't allowed to communicate with me through email thread, which I have already received an email from the company. This method of asking me for identification leaves me not confident in the process which undermines how they have been improperly conducting business without my authorization previously without identification. This is impartiality with respect to my right to privacy My identity shall be my Consumer # : XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my profound frustration and dissatisfaction regarding the ongoing presence of fraudulent items on my account. This letter constitutes a formal complaint concerning the 13th unsuccessful attempt to remove these unauthorized entries. 

The continuous presence of fraudulent activity has caused me significant distress and inconvenience. As a loyal customer, I rely on your institution to protect my financial interests and promptly address any security breaches. The repeated failure to remove the fraudulent items undermines this trust and raises serious doubts about your institution 's effectiveness in handling such matters. 

I urge you to take immediate and decisive action to comprehensively address this issue. This should involve a thorough investigation into the root causes of the repeated failure to remove the fraudulent items, coupled with the implementation of robust measures to prevent their recurrence in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WV)

My friend who I deemed as a grandfather more so, gave me a check for {$2000.00} to put in my savings account to help pay for bills that are due on XX/XX/2024. Mobile deposited the check through my Chase savings account and I knew it would take a day to process. Got a hold on it XX/XX/2024 saying that they were trying to get information from my friend bank and ask me to call my friend to see why the bank was having issues releasing the funds. Called my friend and he stated that XXXX already released the funds out of his account. Called Chase back and they stated that on XX/XX/2024 that it would be released. Checked my account today and it now states on the account the check is on a hold. Called Chase and they stated they have to hold it and was gon na call to see if they could release the funds from XXXX. 5 mins go by and saying they could not reach XXXX and I would have to wait until XX/XX/2024.
Consumer complaint received 2024-04-16
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: EQUIFAX, INC. (KY)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2023-05-16
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: Experian Information Solutions 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 XXXX # 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 crime 's 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 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (CT)

on XXXX I applied for an extension of credit and immediately got denied on my extension of my credit for the XXXX XXXX XXXX by WELLS FARGO. WELLS FARGO is in Federal Violation under ECOA REGULATION B discouraging me from further applying for extensions of my credit.and has discriminated against me the consumer by denying me my GRANTED RIGHT to credit as described in 15 USC 1602. I have exercised my Granted Right to credit using my credit card as defined under 15 USC 1602 and have been denied via Adverse Action. The Equal Credit Opportunity Act prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or ( good faith exercise of any rights under the Consumer Credit Protection Act ). WELLS FARGO is also under Federal Violation under TRUTH IN LENDING 15 USC 1691a ( e ) ( f ) which states " ( a ) Activities constituting discrimination -- -- -- It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction -- -- - ( 3 ) because the applicant has in good faith exercised any right under this chapter. -- -- -- -- -- -- My credit card was used and in exchange I did not receive any benefit from the consumer credit transaction
Consumer complaint received 2023-05-16
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. (AZ)

Ive been trying to dispute these accounts in several times on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$600.00}
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report.