davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Hi there, On the night of XX/XX/XXXX, my wallet containing my Wells Fargo debit card ( as well as all my other cards, ID, and passport ) was stolen out of my car. The thieves subsequently used my cards on XXXX ( including my Wells Fargo debit card ) to attempt to make purchases at various retail establishments ( both inside and outside of California ). The thieves used my debit card to make a {$160.00} purchase at an establishment called " XXXX XXXX XXXX '' which was then flagged by Wells Fargo via email as a potentially fraudulent transaction. 

Immediately upon receiving the fraud notice email from Wells Fargo on XXXX, I went to my car and realized everything had been stolen. I reached out to Wells Fargo, informed them of the situation, and told them that I had not authorized the transaction in question. I was issued a provisional credit at the time ; however, a couple of weeks later, I received a letter in the mail stating that my claim had been denied and that the credit was being reversed. 

I then reached out to Wells Fargo again, re-told them the story, and I was assured by the rep that my claim had been denied because there had been a mistake on Wells Fargo 's end with the original intake of the claim. Once again, I was issued a provisional credit. Once again, several weeks later ( this time on XX/XX/XXXX ), I received a letter informing me that my claim had been denied and the credit was being reversed. 

I reached out to Wells Fargo again today ( XX/XX/XXXX ), and they told me that my claim had been denied based on a variety of factors, most notably the fact that the establishment where the fraudulent transaction occurred was close to my home, and the fact that the PIN had been bypassed when the purchase was made ( I'm unclear how that is a relevant factor - a PIN can be bypassed for pretty much any purchase by just clicking OK on the poinXXXX of sale system ). I was also told that I needed some sort of " supporting documentation '' to reopen my claim. I just filed a police report to submit to them to get the claim reopened ( I had not previously filed one because when I went to the police station, they told me that filing a report would not do anything and was really up to my discretion ). However, I suspect that Wells Fargo is trying to " outlast '' me in an attempt to effectively steal my {$160.00}.
Consumer complaint received 2023-03-24
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: EQUIFAX, INC. (UT)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-06-23
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (PA)

An identity theft/hacker named XXXX XXXX XXXX was unauthorized to access my credit card accounts She was trying to steal the order that I was trying to make a purchase from auto auction vehicles and put a different bank account on my credit card account and changed my personal information included my name, canceled my auto auction vehicles orders, and changed one of my credit cards in XXXX language status so far.
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Army and Air Force Exchange Service (VA)

XX/XX/year> Personal and SensitivePrivilegeNot for Publication SENT VIA U.S. FEDERAL GOVERNMENT SYSTEM OF RECORDS United States of America Consumer Financial Protection Bureau Attn : XXXX XXXX, XXXX 1700 G St NW Washington 20552-0004 District of Columbia , USA United States of America Federal Trade Commission Attn XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX District of Columbia XXXX USA Dear XXXX XXXX and XXXX XXXX XXXX SUBJECT XXXX Ongoing Dispute with Army and Air Force Exchange Service Regarding Billing and Credit Reporting Errors In Case of Credit Card Receivables Account No. XXXX XXXX XXXX XXXX I am forwarding the attached formal complaint regarding ongoing disputes with the Army and Air Force Exchange Service concerning billing, debt collection, and credit reporting practices and errors. The attached letter details the issues, including the failure of the Army and Air Force Exchange Service to address and resolve these disputes, and provides supporting evidence and documentation. 

Given the importance of consumer rights and the integrity of our financial systems, I request an immediate and thorough investigation by both the Consumer Financial Protection Bureau and the Federal Trade Commission. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Respectfully submitted, I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX United States XXXX XXXX XXXX XXXX ) Citizen of Indiana state All Rights Reserved without Prejudice po box XXXX XXXX XXXX Virginia, XXXX
Consumer complaint received 2024-03-13
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. (IL)

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The Items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX/DOFED XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$170.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Charged me 2 fees that shouldnt be charged. 
1 - XX/XX/XXXX - which was on Saturday not a business day, followed by a holiday on XX/XX/XXXX - XXXXXXXX XXXX 2 - XX/XX/XXXX - which was on Saturday not a business day. 

I require the refund for both fees that were incorrectly charged. I have always paid all my bills on time and those charges were not correct at all. I do not accept the answer, first Capital One retained an amount of XXXX for almost ONE YEAR, I called them several times, spent hours on the phone, they sent the check just one month ago, after I exhausted calling them. The bank took one year to send my money and no penalties applied. Please explain that. 

Lastly, I called for the {$25.00} fee in XXXX and requested to be on automatic pay, the agent disconnected the call and never called back and I ended up being charged a late fee again!
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (NM)

When I checked the account on the XXXX of XXXX my check was deposited {$930.00}. I made a withdrawal at an ATM withdrawal of {$500.00} and a few other transactions with my debit card and two days after on XX/XX/XXXX I had been charged an overdraft fee of XXXX and my account was down to {$16.00}. When I checked my wells Fargo mobile banking app it is stating that I got my check on the XXXX of XXXX when clearly there was money in my account because I wouldn't have been able to withdraw {$500.00} and make those other transactions. I have gotten my check on the XXXX several times before this and never had any problems.
Consumer complaint received 2024-03-13
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX and Capital One have 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 USC 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2023-04-18
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc (NJ)

My XXXX account got hacked and they ordered items and I was able to cancel with XXXX. However, it was charged to a firm and I notified them and they will not forgive the death. They will not leave me alone after every attempt I have filed a claim with them I called them, and now they continually call me day after day day after day day after day several times a day And they just wont stop there attempted to collect a debt for a past due account that was not created by me and they are aware of this both my phone and email I havent used them since XXXX
Consumer complaint received 2023-06-23
Product: Credit card or prepaid 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: Avant Holding Company, Inc. (MI)

There was fraud on my account and I reported it when I found out. Even though there is supposed to be zero liability for fraud, they are attempting to hold me responsible for it. They told me to contact their fraud department to find out more, but when I call the number to the " fraud department '' I am told they are just some separate entity that is speaking on behalf of Avant and it is Avant who is denying it and they just do what Avant tells them to do. The representative would not tell me what company she was with and said " I do not know what to tell you about who we are '' and then stated I had to call Avant, to which I stated Avant told me to call the number for whatever entity she is with. She then stated she has no idea why Avant does that, but it is what like to do.
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (MS)

I did not initiate or authorize any of the following companies to run my credit resulting in the hard inquiries below. 

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX VIA DEALER Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Inquiry : XXXX. XXXX, XXXX Inquiry : XXXX. XXXX, XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2024-09-13
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: EQUIFAX, INC. (TX)

I disputed an sent a letter to XXXX Credit Bureau to remove all inaccurate reporting between XX/XX/year> & XX/XX/year> an ask them to remove all derogatory remarks an inaccurate information and they are still reporting inaccurate information on my reports.
Consumer complaint received 2024-03-13
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. (CA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2023, I spoke with an Experian customer service agent who stated that I needed to speak with a supervisor about my information request. Upon learning that a supervisor was not available at that time, my only option was to request a supervisor call back. I received an email confirming that a supervisor would return my call ; however, as of XX/XX/2023, I have received no call from any supervisor with Experian. This matter is ongoing and remains unresolved even after nearly two years.
Consumer complaint received 2023-04-18
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. (LA)

XXXX XXXX open date XX/XX/2019 would not submit certificate of peer ship of debt with live signature proving ownership of debt XXXX XXXX XXXX XXXXXX/XX/2019 improper dates and balances are on my credit report
Consumer complaint received 2024-03-13
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX Balance : $ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-10-06
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. (GA)

I am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX { Date Opened : XXXX XXXX } XXXX XXXXXXXX XXXX XXXX  XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on XXXX  side, yet XXXX and Equifax report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come XXXX has reported the account current and other credit bureaus has incoherent information?
Consumer complaint received 2023-10-06
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. (GA)

I am now escalating this concern because the same inaccurate and incorrect accounts were still being furnished on my credit report. 

XXXX XXXX XXXX - XXXX { Date Opened : XX/XX/XXXX XXXX XXXX XXXX - XXXX { Date Opened : XXXX XXXX } XXXX XXXX XXXX  - XXXX { Date Opened : XX/XX/XXXX } I am really disappointed because I never even received a response from these credit reporting agencies. These accounts kept appearing on my credit report. It is so unfair that they are continuously reporting such inaccurate items on my file. 

One of their reported inaccuracy was this Account : XXXX XXXX XXXX - XXXX which appears to be current on TransUnions side, yet XXXX and XXXX report shows a one-time 30 days late. Im wondering how they got such information where in fact they were getting that details from one source. How come Transunion has reported the account current and other credit bureaus has incoherent information?
Consumer complaint received 2023-10-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to a formal complaint regarding the false and misleading information that remains on my credit report. 

-- -- -TransUnion -- -- - XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX -- -- -XXXX -- -- - XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-12
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: EQUIFAX, INC. (FL)

After reviewing my credit reports, ive noticed many random inquiries and have been trying to get them removed and am getting no luck but have submitted the following to XXXX and have attached that report for further review. I would really like to get all thes hard inquiries removed from my credit report as soon as possible. 

Fraudulent inquiries reported : XXXX XXXX XXXX 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 2017-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Investment Retrievers, Inc. (NV)

Investment Retrievers states that they will " recommence attempts to collect '' on a debt that has been disputed previously ; the letter states " attached is verification of debt '' but no attachment is present, i.e. they have no actual information other than my name and some bogus account number. 

Regardless of what information they may or may not have, they were previously informed that this debt is time-bared based on the date of first delinquency of the original creditor of the linked account # reported on my credit ( XX/XX/2010 ) and my state of residency ( NV, 6 year statute ) and told not to contact me further per the FDCPA. Despite the information on my credit report, I continue to assert that the debt is not mine. 

Specifically I am invoking 805. Communication in connection with debt collection - " If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ... '' ( with specific exceptions ).