davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (AZ)

I received a call from someone claiming to be XXXX and they said my meter had to be replaced. I must have given enough information for them to hack into my bank account and they changed my password, added 2 phone numbers to my XXXX transfer service. {$240.00} was transferred via XXXX to a phone number then {$490.00} was transferred to another phone number. Once they saw this {$490.00} could go through, they cancelled the {$240.00} transfer then went ahead and transferred {$500.00} to a XXXX account. I am XXXX and retired so my daughter helps keep track of my accounts. She saw emails for everything happening and told me to go to the bank and informed me that none of this is real. I bank with Wells Fargo and I just got my Retirement check today, which is my only income. They would not let me have the rest of my paycheck in cash, they said they have to freeze and close the account and open a new account. They said I would not have access to the new account for 10 days and I may not get any of the money back. I thought my bank was supposed to help me recover from fraud. The least they could have done was let me have my last few XXXX dollars before freezing the account so we could eat this month. 

I've been with Wells Fargo my whole life and even took out a large mortgage with them. Twice along the way, they claimed I did not make my mortgage payment when I actually did, threatened to take my house away then charged me an extra payment anyways. 

And now I'm left with nothing after someone else chose to be a criminal?? 

I'm filing this with the State Attorney General as well.
Consumer complaint received 2021-10-02
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: Bay Shore Finance, Inc. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " XXXX XXXX' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-02
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: I.C. System, Inc. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XXXX had already reported their debt as a Charge-off and then updated it again with the same status and increased the amount after it was already charged off.. So that they can change the timing on when the debt would fall off my credit. This is erroneously reporting. Has been well over 7 years and should be removed You can see via the attachments that it was already reporting as charged off and then XXXX updated to reflect the same and increased the balance on a charged off loan.
Consumer complaint received 2021-10-02
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: Designed Receivable Solutions, Inc. (AL)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several hard inquires that don't belong to me and have to be removed off my credit report the only inquiry I should have is from Elements financial. I attached my identity theft report as-well and this is my 10th time contacting about this
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, 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. (CA)

I have several hard inquires that don't belong to me and have to be removed off my credit report the only inquiry I should have is from Elements financial. I attached my identity theft report as-well and this is my 10th time contacting about this
Consumer complaint received 2022-05-26
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: EQUIFAX, INC. (MN)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. XXXX XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 604 A Section 2 : It also state a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-02
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: EQUIFAX, INC. (NY)

I have contacted Equifax approximately 5 times regarding a collection account from Outsource Receivables because of inaccurate information that is being reported about me. Outsource Receivables has not been able to validate the debt because I do not have a contractual obligation with them to pay any such debt. Equifax has allowed this credit file to remain on my file despite the lack of debt validation. Also, there is no " date of XXXX delinquency '' being reported by Outsource Receivables. I complained to Equifax on XX/XX/21 that this field can not be blank. Rather than removing an ill reported collection file, Equifax chose to make a notation on the account in paragraph form making my file " appear '' as though the reported " date of 1st delinquency '' matches the date that the collection agency reported the account to Equifax. Not furnishing a date of 1st delinquency will force the account to be reportable into infinity. It is against the law to report negative information into infinity. The date of 1st delinquency field can not be blank. I don't feel that Equifax truly reaches out to the date furnisher for their information. They just modify the account the way they see fit which is against the Fair Credit Reporting Act.
Consumer complaint received 2021-10-02
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: NAVY FEDERAL CREDIT UNION (IN)

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Consumer complaint received 2021-10-02
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. (MI)

XXXX XXXX Services, XXXX XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been well over of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 - Persons of Contact were XXXX & XXXX - No one can find an account or application with my information yet the XXXX continues to have a negative impact on my TransUnion Credit Report. I have called XXXX Case # XXXX, faxed XXXX & emailed this company at XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.
Consumer complaint received 2021-10-02
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: JPMORGAN CHASE & CO. (MI)

JPMCB Card Services, XXXX XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been well over of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 - Persons of Contact were XXXX & XXXX - No one can find an account or application with my information yet the JPMCB continues to have a negative impact on my XXXX Credit Report. I have called XXXX Case # XXXX, faxed XXXX & emailed this company at XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my credit.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid 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 (NV)

XXXX XXXX XXXX charged {$1200.00} and {$800.00} on XX/XX/2022. Same company charged {$1600.00}, {$1200.00}, and another {$1200.00} on XX/XX/2022. I reported fraud yesterday and today. I spoke to no fewer than 7 employees in the past 2 days. Yesterday, I was told I had to resolve the dispute. The owner, XXXX XXXX, sent me an email yesterday confirming the fraud explaining his external vendor was hacked. Capital One is more concerned about getting me a new card than resolving the fraud. I'm told I have to receive a new card or Capital One can not work on the fraud allegations None of the reps listened to me. I was repeatedly asked for info I had already provided. Nor did Capital One notice over {$7000.00} in fraud charges made in the early morning hours on 2 consecutive days.
Consumer complaint received 2021-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

For years I have been unable to lift a security freeze either through the website, telephone or representative. Each time I try they tell me they can not help me or they do not believe my identity. I have tried to resolve this numerous times. 

When I go online, they say the site is down temporarily. Please see the attached. 

When I call the automated system they give a vast array of options to choose from to confirm my identify, and they consistently say I " failed '' the identity check. 

When I call a representative, they go through the same array of questions. They say I answered one question wrong and will not lift the security freeze. They then tell me I must MAIL a letter asking to lift the freeze along with two forms of identification. I NEVER hear back from them. I always have to deal with an international who has a barely passable understanding of the English language ; why don't they have stateside reps? 

THIS IS UNTENABLE. They allow my identity to be stolen and then they won't allow me access to MY credit report. 

Please help me in dealing with this situation once and for all.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (NM)

Credence sent a letter to my billing address with a detailed bill explaining what I owed XXXX. I promptly paid, and proof of payment as well as posting of that payment are attached. Credence continues to harass me with phone calls at all hours of the day and night coming from different unlisted phone numbers. 

Its worth noting that XXXX sold this account to Credence after being reported to CFPB repeatedly for violating the Fair Credit Reporting Act in their previous collection attempt, in which they never provided a detailed bill or sent any notice whatsoever to my billing address. 

Since this account has been paid in full, I am asking that XXXX  CEASE and DESIST all collection attempts.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2021 my credit was used at a fast food location for the amount of {$22.00} that I was not even in town to authorize. I submitted the fraud dispute and even got a new credit card to avoid further fraud activity. Bank of America looked into and I received a letter saying they did not find any fraud activity. I called Bank of America after receiving the letter and they just kept transferring me to different departments. I explained to them I was not in town to authorize the charge and didnt even get fast food that day. But Bank of America decided to allow a fraud to take place. If they cant protect me from a small amount as this transaction would I even be protected if other fraud activities occur?!
Consumer complaint received 2019-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (MA)

Hi, I want to ask for your help to reinstate my amex XXXX XXXX  credit card account. My cards were cancelled last week for " dispute abuse. '' However, I do not agree with this conclusion. I used my cards frequently and actually daily and internationally. When you use cards everywhere, you will encounter problems you can not deal with on your own, that is the reason why we trust amex to help su but not denying your service! You can not cancel people 's cards without even a notification. I am travelling internationally right now and cards got cancelled brought so many problems I can not deal with, is this amex want to bring to your customers? This is not fraud or gaming the system, this is a loyal customer got embarrased by the bank he trusted and proudly used everywhere around the world. I called amex several times asked them to reinstate my account but they said to me it was denied and probably will get denied again. Just because some team claiming dispute abuse, a loyal customer suffered the consequence of not being able to use cards globally. I ask your help to make an reinstatement request for my amex hilton aspire card account again.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH:XXXX 5. MY ONLY EMPLOYER IS : XXXX I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.
Consumer complaint received 2021-10-02
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: Onity Group Inc. (CA)

they reporting inaccurate payment history I was never late on this account and my payments were in forbearance during Covid. This has caused me to lose my home refinance and emotional distress. I requested in writing proof of what they were verity and got nothing enclosed is proof that i have tried to resolve this issue numerous times.The account in question PHH Mortgage # XXXX. I was in forbearance due to Covid -19 and was told this would in no way affect my credit reporting Letter enclosed from the creditors
Consumer complaint received 2021-10-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I obtained an account with credit acceptance back in XXXX. Unfortunately, the vehicle got repossessed. Earlier this year, I contacted them to settle my debt. We agreed on a set amount and they agreed to be removed and deleted off of my credit report and also send me the discharge of lien info proving that I paid my loan off. Ive been trying since XX/XX/XXXX to get them removed from my credit report. Each time I dispute, it says that the info on my report is correct according to them. This last time, I actually called them to see what the issue was. They informed me I needed to download a dispute form and mail it in to their credit department. And so I did. I waited about 16 days and received an update via email stating that they are not removing themselves from my report and that drop my credit score 20 pts! Im so hurt I want to cry
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (FL)

I did not get the {$300.00} bonus after fulfilling offer terms of XXXX direct deposits and with {$7500.00} balance. Promo code was XXXX.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (FL)

I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back. 

Also I had to email them to remove monthly fees every month, although I kept the required {$2500.00} balance from beginning to avoid that fee.
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX removed this collection company off of my credit file. I have submitted investigation report to TransUnion and to XXXX showing the removal of this item from my XXXX report. XXXX XXXX is not the debt collector for this alleged account. The reason for removal is that XXXX XXXX XXXX did not have to legal authority from the original creditor to place this inaccurate information on my credit file. That is why XXXX removed this account. I have ask and sent supporting documentation to XXXX and TransUnion showing the collection has been removed. They both have sent back in less then 24 hours that the information has been verified through their quick investigation. I'm requesting Names, Written Contract and is the companies registered to collect a debt in the state of Maryland that has reached it's statue of limitation.