davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (FL)

Leaving my apartment complex, the leasing company returns our original security deposit in the form of check issued to whoever was listed on the lease. The {$1200.00} check was issued to my fiance and I and deposited in my CITI bank account. Within 4 days they restricted access to my account and dont allow me to access ANY money in this account, aside from the check. When i called to resolve they said they needed to confirm with the issuer of the check so they did, it was approved and verified by the issuing company and now they still wont give me access to my account. I have spoken to multiple customer service representatives and spoken to the fraud department multiple times, they have not given me any reasoning as to why this account has been restricted since XX/XX/XXXX. I have also asked to speak with a representative and been told i will receive a call back, which i have not received.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Heres what happened : I had been pelted with overdrafts due to decreased business during the COVID-19 pandemic. I am XXXX and depend entirely on XXXX  for my income. While Chase refunded some of the fees, 112 remained unrefunded. 

1. I mailed a letter to XXXX XXXX. She's the CEO of XXXX XXXX. They intercepted this letter and opened it. XXXX XXXX never saw it. I was informed of this by XXXX, a secretary who called me from the corporate office. I was livid, the letter was for XXXX XXXX and XXXX XXXX only. 

2. In the letter, I asked for any possible refund of fees. Due to the letter, the person who reached out to me ( XXXX ) decided to suspend the account due to my letter. She informed me that XXXX XXXX sometimes looks at these accounts and makes these decisions. She then refused to give me his contact information or to have him contact me. 

3. All managers and XXXX have refused to admit that because of the assessment of fees, led them to be able to charge more fees. If they had refunded all of them, I would have been fine, or at least in a better spot. 

4. They sent me an email indicating that around XX/XX/2023, they would be closing the account. But gave me a falsified reason ( to prevent fraud ) for suspending the account. They actually closed it a few days later. 

5. They have now started collection action to recover the negative balance, which is 100 % THEIR FEES.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I contacted DeptOfEd/XXXX ( XXXX directly XXXX and asked them to correct information reporting on Equifax report . Report states I was late in XX/XX/XXXX. However, XXXX has not been the account holder in XXXX. How can they report a single late payment for XX/XX/XXXX? 

Additionally - government mandates during XXXX prevented ANY late payments from reporting between XXXX for eligible student loans. My loans were eligible. 

Account was closed due to transfer. XXXX is at {$0.00}
Consumer complaint received 2023-11-15
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. (GA)

In accordance with the fair act credit reporting act XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Has violated my rights.

15 U.S.C 1681 Section 602A states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-12-09
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-15
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 am submitting a complaint to follow up on the dispute regarding the accuracy of my credit reports, as per the provisions outlined in the Fair Credit Reporting Act ( FCRA ). As mandated by the FCRA, it is the responsibility of credit reporting agencies to ensure the accuracy and timeliness of information reflected in credit reports. I am urgently requesting a thorough investigation into the following accounts to rectify any inaccuracies within my credit reports. I kindly ask that the necessary updates be made promptly, ensuring the accuracy of my credit reports within the upcoming 15 days of the scheduled credit report updatXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to include the following hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-14
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. (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 2024-04-29
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am being charged for a product that I canceled and that was false advertised on their website. The value of this product XXXX The product I purchased was an XXXX bike by a brand called XXXX XXXX This bike I purchased was through XXXX XXXX by a licensed dealer named XXXX XXXX XXXX XXXX. Their XXXX name is XXXX XXXX XXXX XXXX XXXX. This charge was made to my capital rewards card. But I made the purchase through XXXX.I already put in a dispute with XXXX  and XXXX and I havent got this credit removed. I also have proof of the cancellation. And the invoice.
Consumer complaint received 2023-11-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/ we received a text from WELLS FARGO BANK detecting fraud alert, asking if we authorized multiple charges from several businesses. The first charge of {$2100.00} to XXXX went through. We do not have any business with XXXX and never have, this was not our purchase. The next two charges that were attempted on our account were declined by Wells Fargo resulting in the fraud alert text mentioned above. The next day we see that the XXXX charge had in fact gone through. We called the Wells Fargo fraud department to file a claim assuming this charge would be reversed. To our dismay, Wells Fargo declined our fraud claim stating the " transaction was authorized '' ....? After going to our local Wells Fargo branch and speaking to our manager they suggested we submit the claim again and let them know we did not have this card in possession when the transaction occurred. Once again Wells Fargo declined our claim?

* We do not have an account with XXXX where the charge were made * We received a text from WELLS FARGO fraud alert suggesting it was fraud which we confirmed, and yet still have this charge to our account * This debit card had never been used for in-store purchases for the 4 years that we have had the account, it's only used for deposits. 

We have submitted this fraudulent claim to WELLS FARGO twice and been declined both times. WELLS FARGO insists that we made this transaction, which we did not! There is no justifiable reason why we have not received a credit to our account in the amount of {$2100.00}
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (GA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-15
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. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2023-11-15
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. (LA)

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX Balance : {$510.00}.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing to express my deep concern regarding recent inaccuracies identified in my credit report associated with the above account number. Specifically, the " date last active '' information being reported by Capital One appears to be inaccurate and requires urgent correction. 

As per the Congressional findings and statement of purpose outlined in 15 USC 1681, accuracy and fairness of credit reporting are crucial components for the proper functioning of the banking system. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, essential for continued operations.

This letter serves as a final notice and an opportunity for Capital One to address and correct the identified inaccuracies promptly. Failure to take corrective action will leave me with no alternative but to pursue civil and criminal liability under 15 USC 1681n, which allows for penalties of {$1000.00} per violation. Additionally, I would like to draw attention to the potential criminal liability outlined in 15 U.S. Code 1611, emphasizing the consequences for willfully providing false information or failing to comply with necessary requirements.
Consumer complaint received 2023-11-15
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've formally requested XXXX XXXX to validate and verify the negative account they've reported on my personal credit profile, specifically asking for an acknowledged agreement and transaction history regarding the balance calculation. However, they've declined to furnish any documentation validating this account while still reporting this unverified debt on my credit report.
Consumer complaint received 2023-11-15
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. (VA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-09-21
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. (AL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance Owed : {$1000.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance Owed : {$2300.00}.
Consumer complaint received 2024-04-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (GA)

XXXX XXXX my identity was stolen by Sequium Asset Solutions. I was informed that if i did not owe the debt to submit a dispute which they only allow you to submit online. instead of ending communication they used my electronic dispute as way to continue unlawful communication with me. this debt is not my debt and i have no knowledge of any transaction or contracts with this creditor. An identity theft report has been made and sent to them via certified mail.
Consumer complaint received 2023-11-15
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)

Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX 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 2024-04-28
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc. (FL)

I had applied for a XXXX $ loan through them and was denied. But then in my payday, they debited XXXX $ for a loan repayment plus XXXX $ monthly fee. ( The loan { {$900.00} } is to be given to me after the XXXX $ { interest? } is repayed by me, @ XXXX $ XXXX $ XXXXmonth, for a year or so... ) I never would have signed up for that knowing I can't repay it. I was trying to borrow {$200.00}?? I did customer chat first asking how that happened and I need to cancel it Bc I can't afford XXXX $ a month. She was very rude and said too bad and I would have to call someone else..so I tried emailing them and she just kept sending the same basic reply 2-3 times ... and by then I was in tears and didn't want to deal with them anymore...
Consumer complaint received 2023-04-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2023-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

My account was paid in full and closed. XXXX shows accurate information. However, trans Union and XXXX showing as charged off as bad debt and never paid. ACCT NAME : XXXX XXXX credit card.
Consumer complaint received 2023-04-20
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. (FL)

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 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

Account XXXX XXXX XXXX XXXX  account # : XXXX I am writing to file a formal complaint regarding persistent inaccuracies on my credit report held by Equifax. Despite assurances of account " verification '' and accurate reporting, discrepancies continue to exist across all three credit bureaus. Unfortunately, my previous attempts to obtain original documentation, including signatures, contracts, and details about the verification process, have gone unanswered. This lack of response constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically its requirement for a thorough investigation. 

Contrary to the assertion that all information is " verified '' and accurate, the following discrepancies persist on my Equifax credit report : XXXX. Date opened : Discrepancies exist across all three bureaus. 
XXXX Credit limit : Variances are observed across all three bureaus. 
XXXX. High credit : Discrepancies exist across all three bureaus. 
XXXX. Comments : Discrepancies exist across all three bureaus. 
XXXX. Date of last activity : Discrepancies exist across all three bureaus. 
XXXX. Payment history : Discrepancies exist across all three bureaus. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, resulting in unjust credit denials. I am dedicated to ensuring the accuracy of my credit report and insist on the prompt correction of these inaccuracies. 

Despite claims of a thorough investigation by Equifax, the information continues to be reported inaccurately, representing a violation of the Fair Credit Reporting Act ( FCRA ). I am not requesting a re-investigation ; instead, I demand the removal/deletion of the late payment notation for this account from my Equifax credit report. 

Enclosed, please find supporting documentation highlighting these inaccuracies for your review.