davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TrueAccord Corp. (CO)

I 'm receiving weekly emails from a collection agency called True Accord for some bogus charge due to supposed damage to a rental car that I had rented via a company called XXXX ( formally XXXX ). When I returned the car, the owner said I caused damage to the very underside of the front bumper and he was going to file a claim against me for {$800.00}. There is no way I caused any damage to that vehicle and I am not responsible for any damage to the underneath of a car that was not seen during the initial inspection when the car was picked up. My insurance company reviewed the claim and denied it due to no proof that the damage was caused by me. However, this company XXXX continued to demand I pay the {$800.00} damages and a {$150.00} " processing fee ''. They have now turned me into a collection agency, True Accord who are emailing me weekly trying to collect on this amount. This company XXXX, has a class action lawsuit filed against them because they 're " processing fee '' is an incentive to file damage complaints against renters. I am in no way guilty of causing this damage and before they report this on my credit report I would like to get this issue resolved.
Consumer complaint received 2015-12-03
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: RSI Enterprises, Inc. (TX)

did received a payment notice from collecting agency RSI ENTERPRISE, INC for the amount of {$110.00} due for service non received at XXXX Texas to clarify that XXXX XXXX XXXX XXXX is Under investigation for insurance fraud .complain filed by myself to Texas XXXX pratics askin RSI stay out of my life till the above is resolved also a letter of complain XXXX was filed XX/XX/XXXX 2015
Consumer complaint received 2019-05-22
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. (MO)

I'm requesting an investigation into the fraudulent frivolous unknown unauthorized accounts that's reporting on my credit files. I'm asking for the details of this investigation or as printed in the laws of the FCRA if not then remove the following accounts. 

1 ) XXXX/ XXXX 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX {$370.00} 4 )  XXXX {$180.00} 5 ) XXXX XXXX {$150.00} 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX {$610.00} 8 ) XXXX XXXX {$41.00} 9 ) XXXX XXXX {$40.00} 10 ) XXXX XXXX  {$20.00}
Consumer complaint received 2016-05-06
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

This morning before work I tried to get gas from the gas station using my Wells Fargo check card. I kept getting an error message, so I decided to go inside and see the cashier. She tried my card same thing happened staying error. I thought maybe it 's ' their ATM machine so I was go to a bank and and get money from the ATM, this process was making me late for work at the hospital but I needed gas to get to work. The ATM said invalid card after trying again several times. At this point I figured I need to call Wells Fargo to find out whats going on and they told me they closed my account. I was shocked and asked why and why I was n't notified they said they sent a letter but did not have to call me. I was so confused and today is payday so I had a direct deposit hit my account from payroll last night. I do not keep cash on me so I have no way of putting gas in my car to get to work. They told me they closed my accounts because someone used my log in information and attempted to deposit a counterfeit check from a company called XXXX XXXX XXXX ( the representative gave me this information ). I said that was n't me and I have no idea how that could have happened because I have not given anyone my information and never have heard of this company. After being transferred from dept to dept and finally getting the Executive office the ending result was All my accounts have been closed including my son 's account who is away at college since our accounts are connected and the only thing I can do is wait for the branch to open to take out all my money. To say I was disappointed and hurt by Wells Fargo lack of communication with their customers after something fraudulent is occurring on their account is an understatement. I believe maybe my account was hacked since it was a mobile transfer into my saving by a possible cell phone virus. I 'd be curious to know if they can track the cell phone number. Wells Fargo did not seem to want to assist me in anyway to investigate this matter they just wanted my accounts closed. My plan was to apply for a home loan with Wells Fargo along with my husband at the end of this year since we 've bank with them so long. I just do not understand how someone could do this to a consumer and the bank does not try to help them or notify them as soon as it happens. This is very disconcerting as someone who trust the bank to monitor their finances. Seems like they did n't believe me and was very cold about the situation asking how would someone get my log in information if I did n't give it to them? The same way criminal break laws and take advantage of companies all the time when the consumer is the victim. This is not just, and is really unfortunate.
Consumer complaint received 2024-02-26
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)

Identity Theft : On XX/XX/2021 I discovered that an individual using my personal information, including my name, address, and Social Security number, fraudulently opened a timeshare account with XXXX XXXX XXXX XXXX without my authorization. 

Unauthorized Bank Account Connection : Furthermore, the individual responsible for this identity theft connected my bank account to the timeshare account for automatic payment. As a result, funds have been deducted from my bank account without my knowledge or authorization to cover expenses related to the unauthorized timeshare account. 

Notification to Authorities : Upon discovering this fraudulent activity, I immediately contacted my bank to report the unauthorized charges and initiated an investigation into the matter. Additionally, I have filed a police report with the XXXX POLICE DEPARTMENT ON XX/XX/2021 documenting the identity theft and unauthorized use of my personal information. 

Request for Investigation : I hereby request that the Federal Trade Commission ( FTC ) conduct a thorough investigation into this matter to determine the extent of the identity theft and take appropriate action against the individuals responsible. I also request that XXXX XXXX XXXX XXXX be notified of the fraudulent activity and instructed to cease all further transactions associated with the unauthorized timeshare account. 

Assistance with Resolution : Furthermore, I request assistance from the FTC in resolving any financial liabilities incurred because of this identity theft, including reimbursement for any funds unlawfully withdrawn from my bank account and the removal of any negative marks on my credit report associated with this fraudulent activity. This has affected my credit report and I have disputed this item with the three credit bureaus they are not helping please help cfpb I have enclosed copies of relevant documentation, including the police report, bank statements, and any other supporting evidence, to assist with your investigation. Please contact me at the above-listed contact information if additional information or clarification is needed. 

Thank you for your prompt attention to this matter. I trust that the FTC will take swift action to address this case of identity theft and protect my rights as a consumer. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
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. (NJ)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NC)

I demand the credit bureaus promptly delete the late dates associated with the disputed items as their failure to verify inaccurate reporting is a blatant violation of the FCRA. Despite multiple attempts, the furnisher of information has neglected to provide any proof or response, further violating the FCRA. The credit bureaus must comply immediately to rectify this situation, or legal action will be pursued for their non-compliance with FCRA provisions. XXXX XXXX XXXX.
Consumer complaint received 2024-02-26
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. (TX)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-02-25
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. (SC)

There was a credit card opened in my name through XXXX XXXX XXXX XXXX, I did not authorize anyone to do this. I have had several accounts with fraudulent use on them and have since corrected them. I have reported to all credit bureaus to remove this account from my credit report. Equifax is the only one that will not budge. On top of that I have received two credit reports that are still reporting this account and have conflicting information on them and it is killing my credit report. One version of the credit report said the card was open XX/XX/XXXX and the last payment was made XXXX/XXXX/XXXX. The other credit report says it was opened XX/XX/XXXX.
Consumer complaint received 2017-01-26
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (MA)

I am looking to buy a distressed home owned by Wells Fargo and it has been vacant for 10 years. The reason I am looking to purchase a bank owned home is because of my student loan. Anywho, they wo n't sell me the house, respond to my inquiries nor will they answer my questions about whether they should even have the right to hold the property as an asset when they themselves are in fact bankrupt and do well to hide these nonperforming assets from their balance sheets all in the meanwhile, rejecting hard working citizens from mortgage approvals and a better way of living as decent taxpaying citizens. Wells Fargo has never seen this house nor do they understand the condition of the Home. If I did win this case, I might never make enough money in my lifetime to fix it due to the deterioration stemming from such long term vacancy. I have even tracked down the person who abandoned the property, well at least a family memeber who informed me that they have jet set their way back to XXXX, ten years ago. I am completely sure that Wells Fargo, in question, has never looked at what the assessors office says about the property and do not even realize that the property history shows this house to have been sold for {$1.00} at one point in time. I am merely seeking a letter of recommendation to the land court, [ where I intend to take this consumer protection issue in question ], from the CFPB to insist on the sale of this property for the maximum amount of taxes owed, to increase property tax revenue for the betterment of the State. Taxpayers should be able to find vacant homes that are no performing and be able to flip them or keep them. Is n't that what Reaganomics XXXX & XXXX is all about? Is that possible?
Consumer complaint received 2017-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

My husband tried three times thru phone conversation with XXXX customer service to see if we can paid a debt with them of {$820.00} in three parts because we did not have the total amount at that moment. XXXX response was that they do not do that and that we had to pay the full amount or it will go to a collection agengy. So those {$820.00} went to a collection Agency named SouthwestCredit. 
SouthWest Credit accepted {$410.00} to resolve the account with XXXX XXXX XXXX which we paid using a credit card. All this happened in XX/XX/XXXX/XX/XX/XXXX. Today XX/XX/XXXX we received a Letter from another collection Agency Named XXXX, collecting {$410.00} from XXXX XXXX I contacted Southwest Credit and they said they sent the information to XXXX I contacted XXXX and they said that a remainig balance of {$410.00} is due with them and that they do not have any agreenment with the collection agencys so even though they received {$410.00} from SouthwestCredit on XX/XX/XXXX the remaining balance still due with them that is why it went to another Collection Agency named XXXX. I have a letter from SouthwestCredit which says they accepted the {$410.00} to resolve the XXXX account of {$820.00}. Please Help.
Consumer complaint received 2022-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX XXXX am : I received a notice from JP Morgan Chase Bank XXXX that a debit/prepaid Atm card had be approved and issued in my name. I knew this was an issue as I had not asked for authorized one for approval. 

Upon calling Chase and Talking to fruad shortly an hour thereafter, it was soon discovered that a new College Checking account was created and that 3 transfers in the amounts of : {$8500.00}, {$6800.00}, and {$4600.00} were already pending to this new College Checking account ( coming from my Own Premier Checking Account ) with corresponding withdraws taking place simultaneously. Upon numerous calls to Fraud for these transfers to be blocked, they were eventually allowed even though they were fraudulent. Chase Bank personnel were constantly confused as they didn't know whom they were talking too and eventually asked me to visit a branch to prove my identity ( they failed to ask for proper identification such as passcodes over the phone ). 

Upon visiting local branch on XX/XX/XXXX and XX/XX/XXXX, it was revealed by bankers, that the Fraudulent account was opened in Florida using my social security number and likely forged ID. Since the transfers were considered going from my account to my account, the initial claim was rejected even though the fraudulent account was not opened by me ( withdraw slip clearly states XXXX XXXX who I do not know ). 

With nearly {$20000.00} stolen from me instantly, it has caused a lot of issues, such as payday and mortgage needing to be rerouted as well as Chase credit cards being paid in person. 

I have called Chase numerous times to ask for a clear explanation as to how this could have happened but have not received a satisfactory answer. The first banker I spoke too, revealed that the account was already on high alert before the Fraudulent account was opened, as someone had called Chase impersonating me telling them he had my social and asked the balance but then hung up when asked for a passcode, he even tried twice! What is frustrating, is that Chase asked me if I knew the thief XXXX XXXX several times. 

There is currently a police report : XXXX filed with XXXX XXXX XXXX XXXX XXXX and a detective investigating this.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This address showed up on my places I've lived an I've never live in Florida in my life, an secondly you keep lowering my credit scores saying I've been late on credit card payments, I usually pay them early!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

XXXXXXXX XXXX XXXX XXXXXXXX This is error on my credit report. I was never late on this account. Please provide " Method of Validation '' for late payments. Otherwise, please correct. 

Method should provide the steps that were taking to validate I was late with proof.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2017-02-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

dual tracking ... .. bank of America is attempting to foreclose on the home without a court date i have submitted all of the paperwork to the bank and they are trying to keep the sales date and prolong the process without contacting me ... .. fraudulent deeds were submitted .... payment history that only dates back to XX/XX/XXXX ... .. bank of America is illegally attempting to extort extra money for this home .... a sales date of XX/XX/XXXX is set without going to court
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I closed a secured credit card ( {$300.00} collateral deposit ) with Wells Fargo which I opened back in XXXX. At the time of closing I paid {$76.00} to bring the balance just to {$300.00} ( Collateral originally mine ) and waited for the account to close. 41 days later they credit the collateral back not without bringing the account to a whopping {$86.00} in interest and late fees. I received constant calls about paying the {$86.00} and the automated voice menu gave plenty of options to pay and 1 option to talk to a rep which I always chose just to hear " at this moment there is no one to talk to you ''. 

I called another number and talked and complained to a rep which after much consideration forgave XXXX of the XXXX late fees of {$37.00}, like XXXX late fee assessment was right and the other not (?? ) and no reversal whatsoever on interest charges. 

This card was offered to me back in XXXX to help me rebuild my credit and it has done absolutely nothing for this purpose, now it is about to HURT my credit rating. On top of everything I 'm closing a just {$300.00} secured card, not shutting down the economy of this country ; how come it takes FOURTY ONE DAYS to credit my deposit back. 

This is PRIMITIVE at best.
Consumer complaint received 2015-05-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I received an offer via XXXX mail for a {$200.00} bonus for opening a new account with Citizen 's Bank I followed all instructions to the letter, even opening a for the required checking account opened on XX/XX/XXXX in the Stop/Shop Branch. The bank said the bonus be would be paid in XX/XX/XXXX. or XX/XX/XXXX ; but now are asking many questions and ma king making excuses not to pay it. On XXXX XXXX AGAIN I went to bank and asked for the bonus, the teller said he would call me later but did not. 








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Consumer complaint received 2024-02-26
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. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX XXXX  it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I recently submitted a request for an investigation of the disputed account, 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 update the listed account from my file. 
XXXX XXXX XXXX XXXX