davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC (TX)

Enhanced Recovery Co. LLC placed me in collections for a XXXX Bill after XXXX reflected a XXXX balance when we ended service. We also notified XXXX of my Bankruptcy. I reviewed my XXXX credit report and saw Enhanced Recovery had reported a {$500.00} balance and had been on there an entire year. They had my phone number incorrect as well. We contacted XXXX  who removed the debt as it had an incorrect number but damage was done to my credit and interest rates.
Consumer complaint received 2020-11-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

Attached are letters regarding inaccurate and unknown items on my credit report. Its been over 60 days and I still have not received notice or a response regarding this matter. There is no way that any of those items listed were considered verified or accurate ; when each item displayed inaccurate information across each bureau. I demand proof or immediate deletions after this complaint as for you are in several violation of the FCRA act. I feel like I am being taken advantage of and will seek legal counseling for punitive damages if this matter is not handled accordingly
Consumer complaint received 2019-03-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Summit Financial Corp. (FL)

XXXX XXXX XXXX is the name on one credit file and summit financial is on the other credit files I am a identity theft victim XXXX XXXX XXXX lives in XXXX Texas stole my identity I never traveled to Texas at all been in XXXX FL for entire life. I have the texas address listed on my credit file as a formal address?
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (ME)

I have had NOTHING but problems with Equifax for the past SEVERAL YEARS and I am getting sick to death of it. My wife and I are trying to purchase a new home, but there are inaccuracies on my Equifax credit report that are decreasing my credit score and I CAN NOT ACCESS MY CREDIT REPORT ON THE EQUIFAX WEB SITE TO DISPUTE THESE ITEMS AND HAVE THEM REMOVED. I have had absolutely NO problems with XXXX or XXXX and my scores with those two bureaus are nearly 100 points higher than my Equifax report because these crooks with Equifax have repeatedly denied me access to my credit report and their online dispute!!! I can only view my Equifax report via the XXXX XXXX  web site, but I have to do all disputes through Equifax directly which I have NOT been able to do. Literally EVERY SINGLE TIME I try to access the Equifax online dispute system, I get the following error " This site cant be reached. My.equifax.coms server IP address could not be found. '' I have tried to access this on multiple different computers and mobile devices as well as multiple different browsers, but I continue to get this same error on all of them. I have contacted Equifax by email a few months ago, who was TOTALLY useless and did absolutely NOTHING to help me. All they did was mail me a copy of my credit report. THAT IS NOT WHAT I NEEDED!!! I need my ONLINE ACCESS TO THE DISPUTE SYSTEM FIXED!!!!! You people are infringing upon my consumer rights to have full access to view my online credit report as well as dispute items on it. I finally got fed up and MAILED my dispute to Equifax 2 months ago ( XXXX of XXXX ). It is now XXXX and have NOT had a SINGLE RESPONSE to this dispute, not even so much as acknowledgement of receipt of my mailed dispute!!!! Upon doing some online research and reading some posts credit forums from other consumers, I have quickly discovered that almost EVERYONE has these types of problems with Equifax. If my online access to my credit report as well as the online dispute is not corrected by XX/XX/2020, I will be getting my attorney involved and will be taking legal action as well as potentially starting up a class action lawsuit against Equifax, because I KNOW that I am FAR from the only who is having problems with this bureau. What you people are doing by denying me assess to my credit report and online dispute on your web site is ILLEGAL, UNETHICAL, and is a VIOLATION OF MY RIGHTS AS A CONSUMER and I WILL NOT stand for it any longer. I have been dealing with this Equifax nonsense for YEARS. I have NONE of these problems with the other 2 credit bureaus and have been able to successfully raise my scores a great deal by utilizing their online disputes and having inaccurate and old negative items removed, which Equifax is NOT affording me the same opportunity to do, and that is WRONG.
Consumer complaint received 2021-04-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I contacted Equifax on XX/XX/2021 regarding several unauthorized inquiries on my credit profile. In my letter, I informed Equifax that I had already contacted the creditors regarding the inquiries and was directed to contact the credit bureau reporting the unauthorized information. 
I received a response back from Equifax dated XX/XX/2021 instructing me to contact the creditor directly, which I had already done and stated in my letter. No investigation results were provided nor were the methods used to conduct the investigation explicitly stated.
Consumer complaint received 2018-07-17
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: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (CT)

XX/XX/XXXX I landed in XXXX, F 17 lorida on XX/XX/XXXX. The purpose of my trip was to assist my sister who has XXXX  to find a place where she could get the help she needs. She was in rehab in XXXX, Florida. I was staying at her apartment on XXXX XXXX. On the way to her apartment the friend who gave me a ride and I stopped at XXXX XXXX  in XXXX XXXX. I paid for the dinner with my Iberia Bank Visa credit card. 
I was surprised when I received the Iberia Bank Visa statement that indicated a charge of {$210.00} at XXXX in XXXX XXXX XXXX on XX/XX/XXXX when I wasnt at the Mall. 
The signature on the sales slip was not my signature. In fact it was just a couple of what may have been letters and a long squiggly line. 
Twice I faxed copies of my explanation to the fax numbers they gave me over the phone, but have not received any word back. When I call Im told the disposition of the case does not show up on the screen. 
My contact has been Case Number : XXXX Dispute Resolution Department XXXX XXXX XXXXXXXX XXXX GA XXXX Phone XXXX
Consumer complaint received 2018-10-01
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: SYNCHRONY FINANCIAL (NV)

hello, this complaint pertains to a company/bank in the State of Florida. For months and months, I told the Clerks/Supervisor That an account was made in part of my name and address that doesn't belong to me. ( fraud ). I thought that matter had been a workout. 
But I guess I was wrong. The dates for this matter go all the way back to XXXX of this year.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo Fraud incident XX/XX/XXXX Case number XXXX Claim number XXXX Total amount of fraudulent transactions : {$5700.00} XX/XX/XXXX : I received an e-mail notification that my Wells Fargo debit card had been linked to a XXXX XXXX account, but I did not see the e-mail that day. 
XX/XX/XXXX : Beginning at XXXX p.m., I received three phone calls from Wells Fargo, alerting me of fraudulent activity. I returned their call at XXXX p.m. I was informed of the following charges that were being attempted. All are in XXXX XXXX XXXX ; I live in XXXX, XXXX. I have been scrupulous about maintaining my debit card security, and no one else had my authorization to use it. 

Fraudulent charges : PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX CARD XXXX XX/XX/XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$3200.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$200.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$300.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$300.00} ATM WITHDRAWAL AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM ID XXXX CARD XXXX XX/XX/XXXX {$200.00} Total amount : {$5700.00} Wells Fargo contacts : XXXX XXXX XXXX claim specialist XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX My claim is denied by Wells Fargo . They state that no fraud pattern was detected. I protested immediately, and was transferred to Resolution Team member XXXX. She stated that she would endorse my claim to the Executive office, which should call me in 1-2 days. As of XX/XX/XXXX, I have not received a response.
Consumer complaint received 2022-08-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (CA)

M & T Bank did a forbearance with me for 6 months. when it ended, I sent in my monthly payment, for XXXX, they send it back stating in order for me to keep my house, it would cost me XXXX in order to keep me house. Otherwise, they would start foreclosure. 
I am XXXX, have been in my house for nearly 30 years, I don't want to lose my house. 

I need some help XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-09-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I financed a vehicle which had major mechanical issues I was unawre off shortly after my original purchase. I attempted multiple times to switch out the vehicle with the dealer but I was denied every time and told that i had to deal with the vehicle I purchased on my own. now since I no longer have the vehicle it is extremely hard for me to obtain a new vehicle because I have a repossesion reporting on my credit due to a situiation I was falsely lead into and mistreate. Please help me remove this account from my credit so I can obtain a new vehicle which will help me and my family improve our standars of living tremendously
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CITIBANK, N.A. (CA)

I received a robo-dialed call about a " legal matter ''. I called back. The representative said my full social security number over the phone and would not tell me who she was until I confirmed who was calling and why. She refused and said " tell it to the judge '' and hung up. 

I called back several times and was hung up on several times. Eventually I spoke with " XXXX XXXX '' who was the person in charge. He threatened me with criminal fraud charges, asked about my XXXX, asked about my mother, told me he knows everything about me and that he had a picture of me. He then called my mother and put her on the phone. 

At no point did the company ever say their business name, who the attorney who represents them is, or what their mailing adress is.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP (GA)

I went to Security FINANCE, TO SEE THE MANAGER ; XXXX. XXXX XXXX WHERE I GOT THE LOAN.SHE SAID ; SHE SENT THEM AN EMAIL ( 3 ) TIMES. THEY MADE AN CHANGE ON THE BAL. BUT IT WASNT RIGHT. I CALLED XXXX TWICE, AND TOLD HER A THIRD TIME WHEN I WAS MAKING A PAYMENT, AND SHE SAID SHE WOULD SENT ANOTHER EMAIL. THEN I CALLED THE HEADQUARTERS, IN S. CAROLINA. THE LADY TOLD ME THAT THEY REPORTED IT, AND ITS RIGHT, I TOLD HER THE BALANCE SAID ; {$340.00}. BUT THE REAL BALANCE IS {$140.00}. They finally dropped IT TO {$240.00}. IT STILL IS WRONG. I NEED YOU TO MAKE THESE PEOPLE REPORT THE CORRECT INFORMATION TO THESE 3 BUREAUS. ITS AFFECTING MY CREDIT SCORES. THANK YOU
Consumer complaint received 2020-10-29
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have been disputing an account in my credit report and the bureaus have not given answers as of the status of the disputes so far. 

I started sending letters from XXXX
Consumer complaint received 2020-06-01
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: PNC Bank N.A. (NJ)

I want to make monthly installments with the company XXXX, but PNC bank will not allow me to link my account with their services so that they can automatically withdrawl the amount every month and therefore i can not buy the products i need.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/20 I made an ATM Deposit because the Branch was closed due to Covid-19 located in XXXX XXXX, California. I deposited {$2000.00} in XXXX dollar bills. The ATM recorded a {$1500.00} deposit, returned {$200.00} Cash and Kept {$300.00}. I immediately contacted customer service and filed a claim. The customer service rep stated it would take approximately 15 working days to investigate the claim. 

After 15 days I contacted the Wells Fargo Claims Department and I asked when it would be resolved. They stated it would take around 45 days to complete the investigation. Which is not was I informed initially. 

On XX/XX/20 I received a letter that they completed their investigation and they state the deposit for {$1500.00} was correct. 

On XX/XX/20 I called the Wells Fargo ATM Claims Dept. at XXXX to dispute their decision and to request copies of the documents used in making their decision. This was around XXXX XXXX. I was on hold for 1 hr and then was disconnected. 

On XX/XX/20 I called Wells Fargo Customer Service and asked to be connected to the Executive Office. I was connected to a Customer Service Agent at the Executive Office and she took my information and attempted to contact an ATM Claims Banker. She placed me on hold for 5 minutes and asked if I wanted to continue to hold. I stated yes and she left me on hold for 1 hour and 15 min. and never returned to speak with me. So I hung up. 

On XX/XX/20 I then called the XXXX XXXX Branch where I made my deposit and asked for a Branch Manager. The Branch Manager was out for the day and XXXX XXXX, Service Manager said she would expedite my claim with the Executive Office. 

On XX/XX/20 I received a call from XXXX with the Executive Office at XXXX XXXX and he stated that I would have to reopen the claim with the ATM Claims Dept. and ask them to re-investigate. He tried to contact the ATM Claims Dept. for 15 minutes and could not get through and directed me to call them again in the morning. 

In summary I've spent at least over 2 and a half hours with Wells Fargo trying to resolve this issue to no avail. 

I submitted a fax to the ATM Claims Dept. requesting the supporting documents.
Consumer complaint received 2018-07-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica (CA)

Hello, On XX/XX/2018 my card was taken. Some how the person got my pin and took XXXX dollars out of my checking account via ATM. I filed a fraud claim with my bank, Comerica. I was told it would take 10 days to reach a decision. On day 10 I was credited back the XXXX  dollars. Fast forward to XX/XX/XXXX and Comerica debited my account the {$500.00} dollars back stating because someone used the card and atm I was responsible for it. I have stated over and over again this was not my doing and I have never had any issues with fraud. They since have been reluctant to file an appeal on my behalf or re-issue my funds. I'm not sure what to do next but Comerica should surely be ashamed. I use this money to take care of my family.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (WA)

An account holder at Chase Bank passed away in XX/XX/2020. The account holder lived in Washington State, but was a XXXX resident. The executors of the estate for the account holder currently live in XXXX. 

Chase is refusing access to the account of the deceased account holder by the executors of the estate until they appear in person. Currently our borders are closed BY OUR FEDERAL GOVERNMENT and the executors can not appear in person. 

Due to Chase 's refusal to allow access the the funds in the deceased account holders account, some of the assets of the estate are in jeopardy because the creditors can not be paid. THE ESTATE IS AT RISK OF LOSING ASSETS due to Chase 's refusal to allow access to the funds in the checking and savings account.
Consumer complaint received 2017-09-20
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: I.C. System, Inc. (TN)

I C System INC has reported to the credit bureaus a debt that does not belong to me. I called I C Systems and XXXX about the fraudulent report to on my credit. I was told that they found a XXXX XXXX ( me ) so it was charged to me. They had no Social Security number or address to confirm it was me. The reason they have my address now, is because i gave it to them when I called. Looking on the website, XXXX, there is other XXXX XXXX located in my area. I do n't see haw they are allowed to single out one and damage that person 's credit. I have disputed this on more than one occasion with it still showing on my XXXX Report. 

XXXX and other credit agencies have been notified of this issue and all other credit agencies have removed this from my report with the exception of XXXX.
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc. (NC)

I checked my credit and saw an account from Credit Management for XXXX XXXX for {$580.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I have paid my credit card on time and in full since I have had the card. The money is taken from my bank, but, I can not use my card for 10 days once they receive the money. When I talked to the representative at Chase Bank ( I have a Chase credit card ), I am told that if I pay more than half the balance, I have to " wait 10 days '' after the money has cleared to use the card " Just to make sure that the money is there ''.

I was told that if I pay less than half the balance, then, I can continue to use the card. But, if I pay off the total amount, I can not use the card for 10 days.

I feel that this holds me hostage. I am penalized if I pay off my balance on time, monthly.

This makes me very angry. I feel that the Chase credit card company is trying to force me to carry a monthly balance to increase their fees, instead of allowing me to pay off the balance and continue to use the card.

I think this is a very unfair and unethical.
Consumer complaint received 2020-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TN)

I contacted my bank and requested that a payment be stopped on an account. I was charged {$31.00} to stop payment. Reference number is XXXX. 

A few days later my account was short {$97.00}. The payment was allowed to go through, disregarding my request. The car insurance company was abusing my identity and overcharging me, because I'm a senior citizen. 

When I opened the insurance account, I realized that my former employer was linked to my account.XX/XX/XXXX My former employer was abusing my identification. 

The email address being used was XXXX. I've been a victim of identity theft and I reported this matter to XXXX XXXX XXXX. 

Wells Fargo claim number for investigation is XXXX.
Consumer complaint received 2021-08-07
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. (TX)

I did not get proof of investigation from prior disputes so now I want these items deleted by law since they credit bureaus failed to comply with my request I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This information is incorrectly reporting on my credit reports. These items were previously deleted as I am no longer responsible for them and they reappeared on my credit reports, which is negatively affecting me UNDER A DIFFERENT COLLECTION AGENCY. THESE ARE MEDICAL BILLS AND THEY ARE IN VIOLATION OF HIPPA. THESE ACCOUNTS PREVIOUSLY WERE REPORTED UNDER GREATER XXXX EMERGENCY. 

XXXX COLLECTIONS {$270.00} XXXX COLLECTIONS {$350.00} XXXX COLLECTIONS {$420.00}
Consumer complaint received 2020-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I recently sent letters over 60 days ago to all 3 bureaus and they are ignoring my consumer disputes. It's stressing me out and I've been sending letters and still no response.