davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
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: WELLS FARGO & COMPANY (FL)

Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Fee Amount of Transaction : XXXX Card Number : XXXX Status : Closed - Dispute Declined Our investigation of your dispute is complete. 

Unfortunately, we must turn down your request for credit based on the information we gathered. 

*Visa requires specific information from the cardholder in order for the bank to file a dispute. Since the requirements to file a dispute have not been met, we have no recourse but to close the dispute at this time. 

* A notation may appear on your next billing statement advising you that the amount of your dispute is not required for payment. This notice will be removed after the statement period closes, unless you have another dispute open or under review. Waiting until the statement closes ensures that you will not be charged any finance charges or fees on the disputed transaction while under investigation. 
If we temporarily credited your account while we investigated your dispute, we will remove this credit by re-charging your account. 

You will be financially responsible for the transaction, and your dispute is now closed. 

If you still feel you should get a refund, please work directly with the merchant. 
Questions about your dispute? 

Call us at XXXX Sun- Sat : XXXX XXXX XXXX XXXX XXXX  Central Time Fax Number XXXX Sincerely, Wells Fargo Claims Assistance Center Dispute Number : XXXX Date Posted : XX/XX/year> Merchant Name : XXXX Fee Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated We received your inquiry about a disputed transaction on your account. We appreciate your patience while we research your dispute and will let you know our findings as soon as our research is complete. Please send us any supporting documents you may have, such as those described below.

What you need to do 1. If you havent already sent these documents to us, please gather copies of documents related to the dispute, including but not limited to these examples : Letter detailing reason for the dispute Copy of invoice, sales or return receipt Copy of delivery or pick-up receipts Front and back copies of checks or bank statements 2. Send us the documents in any of the following ways : FAX : to XXXX Mail : to XXXX XXXX XXXX XXXX XXXX, IA XXXX E-Mail : to XXXX If you have questions, please call us at XXXX, Sun - Sat : XXXX XXXX XXXX XXXX XXXX  Central Time XXXX For customers with hearing or speech disabilities, we accept telecommunications relay service calls. 
Questions about your dispute? 

Call us at XXXX Sun - Sat : XXXX XXXX XXXX XXXX XXXX  Central Time Fax Number XXXX
Consumer complaint received 2023-02-07
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. (MS)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-07
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. (CA)

I submitted a letter to the XXXX Credit Bureaus on XXXX XXXX, 2023, to update the erroneous information. I think the 3 Credit Bureaus have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$32.00} XXXX XXXX XXXX Balance : $ {$40000.00} XXXX XXXX XXXX Balance : {$540.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$49000.00}
Consumer complaint received 2023-02-07
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. (MS)

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-02-24
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (IL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 to 2 states I have the rights to privacy ( 15 USC 1681 ( section 604a section2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-24
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: CITIBANK, N.A. (NY)

Amounts of charges were {$1400.00} and {$730.00} made on a citi card on XX/XX/24 that were not made by me at XXXX. Both credit card company and XXXX were notified of issue. Card was cancelled and XXXX cancelled reservations and had a name of person that reserved.
Consumer complaint received 2023-02-07
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. (TX)

According to the Fair Credit Reporting Act I have a right to accurate reporting and after reviewing my credit report today I Noticed something off about a couple accounts. Please help me by investigating these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I got an email stating the following below : Important : Please contact us To protect against fraud, we restricted and may need to close your account soon. 
XXXX XXXX : At Chase, were always working to keep your money safe. Due to recent activity, or because we need more information from you, we have restricted your account ( s ) and may need to close it if we dont hear from you soon. This includes your account ( s ) ending in : 9705 We understand this is inconvenient, but protecting against fraud is a top priority.

Please act quickly to better understand the restriction on your account you may be able to provide the information needed to keep it open. 



I called customer support and spoke to someone and they stated that I cant retrieve my funds in my account online or at a branch. I will be issued a check and can no longer open an account with them.
Consumer complaint received 2023-08-10
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC (TX)

I purchased a {$850.00} money order from PLS on the XXXX of XX/XX/2023 around XXXX. 
When I got home, I couldn't find the money order but I found the receipt and change given to me, I went back immediately because they are close to me. 
I lodged my complaints and I was asked to pay {$15.00} for money order stop payment/refund request form which I did, and they made photo copies the form, my ID, receipts of the money order and refund request form. 
They requested for the money order stub which obviously I could not present because the money order was missing. 
The money order number was on the receipt and they were able to check and verified that the money was not cashed ( which I think was good news. ) PLS still refused to refund me except I produce the stub. 
I begged and appealed to them to temper justice with Mercy but all to no avail. 
That money was for my XXXX rent and well wishers actually contributed the money to me because I have been home for a while due to XXXX XXXX XXXX. 
All these explanations fell on PLS deaf ears. 
I am struggling to make ends meet and to loose {$850.00} at this time is disheartening. Please sirs/Mas, I rely on you for a quick recovery. 
Thank you.
Consumer complaint received 2023-02-07
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. (OK)

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX Balance Owed : {$9500.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 
XXXX XXXX Balance Owed : {$360.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Consumer complaint received 2023-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX 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 account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes 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 the information is inaccurate.
Consumer complaint received 2023-02-07
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: NAVY FEDERAL CREDIT UNION (CA)

My social security number isn't showing up on my credit report. Mine ends in XXXX. 
One that ends in XXXX shows up. 
Bank loans, auto loans, mortgage loan, property in XXXX XXXX CA, a name XXXX XXXX, my ex Sister in law, a XXXX XXXX I can't even access it because I can't answer the questions
Consumer complaint received 2023-02-07
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information 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 or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. XXXX XXXX XXXX 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 Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-27
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. (IL)

THIS IS NOT FILED BY A 3RD PARTY OR A CREDIT REPAIR AGENCY.

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights under 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. PLEASE PROVIDE THE 4 ITEMS BELOW. IF YOU CAN NOT PROVIDE THIS INFORMATION PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT OR I WILL BE FORCED TO CONTACT THE FEDERAL TRADE COMMISSION, FILE A LAWSUIT, AND CONTACT THE BBB to REPORT FRAUDULENT ACTIVITY.

Please provide me with 4 pieces of information regarding all of these accounts below. 1. The Original Contracts of these accounts with my signature on it. 2. Creditor 's Information ( Name, Address, and Phone Number ) 3. The Payment History And Itemized Billing Associated With These Accounts. 4. Proof Of Ownership ( Proof That The Company Trying To Collect The Debt Has Authorization To Do So ) If you can't provide me with this information please delete these accounts from my credit report. 1. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  If you can not provide this information please REMOVE these accounts from my credit report.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

My Great Lakes has completely wiped out all of my account information including my payment history on student loans which began in XXXX. I was referred to Nelnet who allegedly took over servicing for all My Great Lakes accounts. Nepnet has no record of my payment history. My loans were then again transferred to XXXX, then back to Nelnet, now they are back with XXXX. Nelnet and XXXX can not provide me with payment history and My Great Lakes is no longer reachable via phone or for customer support. Please help.
Consumer complaint received 2023-02-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc. (NY)

I have been disputing since XX/XX/XXXX with no response. I have sent multiple letters to the credit bureaus with no response from you guys regarding the settlement offer. 
I reached out to XXXX ( Comenity Bank, it shows CB/EXPRESS XXXX XXXX report ) directly via letters on XX/XX/XXXX and XX/XX/XXXX with no response. I am aware that I have a debt with your company, and would like to settle as following : XXXX XXXX for Account XXXX : XXXX You claim the amount owed on the account is {$1900.00}. I agree to settle the account in full for the sum of {$480.00} and this amount is accepted as full and final payment on said debt. I would be making the payment to : XXXX XXXX XXXX XXXX XXXX, TX XXXX If your office agrees to this settlement, please send back confirmation on your company letterhead and signed by someone with the authority to accept such offers to my address or email. XXXX is of the essence due to my present financial situation so please reply as soon as possible. 

Thank you.
Consumer complaint received 2023-02-07
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. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MAS FINANCIAL SERVICES, INC. (CA)

MAS financial Services inc. Agreed to delete their credit line off of my credit report. Since then they have deleted it from XXXX and XXXX, XXXX is still showing this report. ive mailed certified dispute letters to Mas Financial Services inc, and since I have received a certified letter from their lawyers, stating that they will delete this tradline from all credit report agencies. I have sent a certified letter to XXXX and disputed this already.
Consumer complaint received 2023-02-07
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected or update. : XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$23000.00}.
Consumer complaint received 2023-02-23
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On XX/XX/XXXX there were two transactions out of account for XXXX as well as XXXX as a transfer to a 3rd party. I contacted chime to let them know said party was NOT intended recipient. Chime Representative stated that I should request money back from recipient in which I dont know the recipient nor do I use the pay friends gesture and havent since XXXX of XXXX. Also received text confirming if I attempted to send XXXX XXXX and I declined.
Consumer complaint received 2017-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

XXXX  has reported that I have a store credit card with them and it just hit my credit reports. I do not have a  XXXX  card. I contacted them over a month ago and told them to close it the day after being approved and they assured me that the account was closed with them. Here it is over a month later and it 's posted to my credit report and there is no account with them.
Consumer complaint received 2023-02-07
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. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.