davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (AZ)

On Thursday, XX/XX/2022, I noticed an online transfer of {$1500.00} taken from one my XXXX account. Earlier that day, I had been checking my bank account online and didn't see the transfer until around XXXX when I just finished running errands. As soon as I saw the large, unknown, online transfer, I called my bank 's customer service number immediately and was told to call their identity theft number first thing in the morning. Next morning, I checked my bank account and noticed another {$500.00} was taken. This time I was able to see where it was being " transferred '' to. It showed " online transfer to an account ending in XXXX. Super confused because I've never seen that account number or anything close to it. I called the number they provided me with the number for the bank 's identity theft department and they informed it was definitely a case of identity theft then walked me through the steps I needed to take. That day, the person over the phone closed my XXXX  account, had me change my username/password and recommended I check my phone and laptop for viruses. After doing all that, I filed a report on XXXX, and also called my local police department and asked for a police report to file. I got denied twice from my bank 's investigation team and never got a clear reason as to why it was denied or how. The bank explained that they allowed this person to do a whole bunch of activity online. They opened this new account online, ordered a new debit card I believe and also changed my email address. When I heard this information I explained as to why they didn't send me a verification code to my phone number or current email before they allowed this change. I check my messages and emails multiple times during the day so I could've prevented this from happening but because the bank did neither of these things, this person was able to change my personal information and take from me at their expense. I've explained to multiple people from the company that I've only lived in XXXX and I haven't left in years. And this person who ever got ahold of my information, did it in XXXXXXXX XXXXXXXX. They opened the account there, withdrew all my money from an atm there in XXXX. I live in XXXXXXXX XXXX  and I work full-time here as well. I've talked to my bank 's supervisor and didn't receive that much help either which is super frustrating in this traumatic situation because I feel as though it's completely obvious it's not my activity at all. I've been a customer with Wells Fargo for over 7 years and for them to allow someone to open an account, and debit card under my name, allow them to withdraw all my savings money in another state and not help me with this situation is very hurtful. I'm fling this complaint because it's been almost a month and nothing is being done by my bank to help me.
Consumer complaint received 2022-05-01
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. (FL)

In accordance with the fair credit reporting act, the following companies have violated my rights : *XXXX account reported late once, but payment was in office and not credited to account- asked for grace as payment was in office XXXX XXXX  account reported late but payment was made- call made and was told they arent going to adjust XXXXXXXX XXXX XXXX XXXX  payment made but reported late, but never sent payment slips and was instructed that they mailed a payment book that I didnt get ; and XXXX XXXX payment reported late, but my account was set on automatic debits 15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

In XX/XX/XXXX I had to be taken by ambulance to the hospital. I was admitted, saw several doctors while there and was XXXX after one night. I provided my insurance information to the hospital upon arrival. It is important to note that I was taken to XXXX XXXX. The first XXXX  as well as the both ambulance trips are not included in this because they were paid by my insurance. Inthis case, the second hospital ( that I was transferred to ) sent my information on a face sheet to the different medical entities associated with my care, which had my name, SSN and birthdate correct. But they provided a phone number and address which has never been mine, and that I was uninsured and self-pa. At the time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had state government XXXX. All the medical bills and calls were not reaching me and I didn't even know these accounts were sent to collections. I was not given any time to fix it. I reached out to the hospital who cleared it up on their end and got their money from the insurance company. There were several accounts sent to collections. When I reached out to the original creditor for these XXXX accounts that should not be on my credit report, they refused to help me since they already sent it to collections. The collection agency refused as well because they said they don't care that I had insurance, they just want their money. Neither the original creditor nor the agency can give me the information I need ( despite requests to send itemized bills to me ) to even go back to the insurance company myself to get these paid. I disputed these because my insurance would've covered 100 % of all the bills and nothing would've ever gone to collections. The dispute removed the collections off my report a year ago. Last month I noticed they were back on my report again as of XX/XX/XXXX. Equifax never sent me a letter of reinsertion to explain why. I disputed again and Equifax deleted it but then allows it to appear again every month. The address associated with the information provided by the hospital is now also on my credit report. But I have never lived at that location. All of the information associated with these 2 accounts is completely incorrect. I do not owe this money. 

I am attaching a letter from XXXX as proof of insurance at the time the medical service occurred, which again was in XX/XX/XXXX.
Consumer complaint received 2022-05-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

I bank with chime Bank. 
On XX/XX/2022 I had a withdrawal on my checking account for the amount of XXXX at XXXX. I have reported and filed a dispute XX/XX/2022 and chime has reviewed and investigated, as result of the investigation they have concluded that there wasnt any fraud or errors. I did not make the withdrawal as I was asleep and my debit card was in my wallet, Ive tried reaching back to them and they continue to not investigate deeper and cant refund my funds back into my account
Consumer complaint received 2022-05-01
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. (IL)

In accordance with the fair credit reporting act XXXX  account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (NM)

About 7 yrs ago I was helping my daughter with insurance I had it in my name until she was able to take it over with steady income. My daughter got sick with that came XXXX of both hands and couldnt no longer drive. The agent at the time knew how I was helping my daughter. I called my agent while my daughter payed up in the hospital fighting for her life and I canceled the insurance. They still tried to pull it out of my account knowing it wasnt there. I guess my agent threw me under the bus to save her job, not sure why things happened the way they happened. Why are they coming for it now after all these yrs?
Consumer complaint received 2022-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MN)

I have no idea whats going on. I never used my credit and its telling me that I got Mortgages it says I have loans grants all type of things that Ive never gave XXXX for Credit cards and more Im trying to freeze my account clean a fraud or something. Can you please help me before my name get dragged of the dirt
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AL)

I have had multiple car loans with Chase Bank with no problems. However, on my loan number XXXX, Chase Bank is inaccurately reporting {$58.00} as delinquent. 

I had taken advantage of their Covid 19 program to extend the loan. I have made all payments on time and have never been overdue. I made my last full payment in the amount of {$260.00} on XX/XX/2022 for the payment that was due on XXXX XXXX. 

I realized that there was small payoff amount due so I contacted Chase Bank via phone on XXXX XXXX and paid off the remaining balance due of {$58.00} which I believed to be the finance charges from the Covid XXXX extension. 

While checking my XXXX credit report on XX/XX/2022. I am informed that Chase Bank reported the amount of {$58.00} as delinquent loweirng my credit score by XXXX points. 
I contacted Chase Bank and was informed that there is nothing that they can and will do. 

I have consistently made my payments on time with Chase and have had multiple car loans through the bank. Now, they are refusing to update my credit report to say Paid in full and remove the delinquency of {$58.00}. Had I been aware of a payment due in this amount, I would have most definitely made the payment before Chase considered it delinquent. I relied on making my payments via phone since I have not been able to og into my Chase loan account for over a year. 

Chase agents stated that normally courtesy calls are made to customers but I never received a call from them about this matter. I would not jeopardize my credit score over {$58.00}. 

I am requesting that my credit report be updated to show paid in full with the delinquency removed.
Consumer complaint received 2019-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP (GA)

I deposited my pay check into the Atm and it ate the check. I went inside and the teller was going to go into the atm and retrieve the check when the bank manager stopped her and said they had to do a report. He was very rude to me. I called customer service and couldn't understand the woman not could she understand me. She did say they would do a report and investigation and contact me in 48 hours. It has been 2 weeks now and nothing.  I went to the bank today and talked with manager and " there is no record of any transaction" I took the paystub that showed the amount and check number. She was rude and had an attitude with myself and my mother who went with me.  Basically wanted us to do their job which duh I can't do!  The original date when the atm ate the check  was around XXXX XXXXAlso. The day Ameris took over XXXX my bank card was in a glitch,. Our car was in the shop and I had to XXXX to work. I couldn't XXXX as they froze my card for no apparent reason. As a result I lost my job missing work due to this.  They did however fix the card issue when I called them .  Excuse for card not working was the change over from XXXX XXXX to new owner Ameris. Then they loose the deposited check.
Consumer complaint received 2022-05-01
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: CITIBANK, N.A. (NV)

In accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Consumer complaint received 2022-10-30
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: LEXISNEXIS (NY)

XX/XX/2019, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to 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 that the information is inaccurate.
Consumer complaint received 2019-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

As a student I was doing online classes through XXXX XXXX college. I was able to receive student loans to pay for my classes. My loans monthly payment amounts were minimal amounts that were paid every month. After being hired by the local police department, I qualified for a loan deferment plan. This plan allows my loans to be deferred every year up to ten years. Due to a time delay in the deferment processing in XXXX of this year my accounts showed late payments of 90 days. I was told all late payments would be removed from my credit report in approximate 30 days, but the late payments are still reporting. This has dropped my credit score about 70 points and has really hurt me trying to obtain credit for a new home and new vehicle. I would love to have this issue resolved as soon as possible. I have tried disputing these inaccurate accounts with the credit companies, but have not gotten anywhere.
Consumer complaint received 2022-04-30
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. (PA)

N.Accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.

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.
Consumer complaint received 2022-09-30
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

PORTFOLIO RECOVERY ASSOCIATES Account number XXXX In accordance with the fair credit reporting act, this creditor has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 
15 U.S.C. 1582 section 604A state consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1666 B A creditor may not treat a payment on under an open end consumer credit plan as late for any purpose Please adhere immediately and remove from all credit bureaus or anywhere else. 

Award me {$20000.00} for my inconvenience. They are to never use my information for anything ever in life
Consumer complaint received 2022-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (HI)

I have previously had issues with mail being stolen from my mailbox at home and have been using a post office box address to receive mail. I was unable to update my mailing/billing address to my po box address on the companys website. After contacting a representative of the company I was told that their system does not accept a post office box address so they are unable to assist me and are unable to provide a valid reason for not allowing the update to my mailing/billing address.
Consumer complaint received 2022-05-01
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. (MD)

In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX  has violated my rights. 15 U.S.C 1681 Section 602 A States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section A Section 2 : It also states a consumer Reporting agency can not furnish account without my written instructions.
Consumer complaint received 2021-06-15
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. (TX)

I have asked them to provide actual proof the information on my credit report was validated, not a computer-generated confirmation. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. 
If you do not provide me with physical verification of the original signed consumer contract as you are required by Federal Law. 
Under federal law, they had 30 days to complete your re-investigation and furnish me with physical verification of the original signed consumer contract, yet they have failed to do so. 
Consumer reporting agencies must delete unverifiable information. Unverifiable information must be removed within 30 days.
Consumer complaint received 2022-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ZIONS BANCORPORATION (TX)

I need to dispute 2 transactions made with my debit card ending in XXXX from XXXX XXXX, the problem is that the bank closed my account a few weeks ago and they are unable to help my by customer service. 
The transactions are : XXXX ) XXXX  " XXXX XXXX '' made on XX/XX/XXXX {$1000.00} XXXX XXXXXXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered XXXX XXXX XXXX " XXXX XXXX '' made on XX/XX/XXXX {$760.00} XXXX XXXX, expected delivery date XX/XX/XXXX, I tried to contact the merchant many times by email, nobody answered. 

It looks like the merchant is not on the business any more.
Consumer complaint received 2022-04-30
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: GOLDMAN SACHS BANK USA (FL)

On XX/XX/XXXX, I made a purchase at XXXX XXXX in the amount of XXXX. There was a dispute with the charge in the same month. I made a payment at the end of XX/XX/XXXX. In XX/XX/XXXX, I was given a credit of {$400.00} while the dispute was being investigated. I made contact with XXXX XXXX and exchanged my purchase for the correct Item. This issue with the merchant was resolved. In XX/XX/XXXX, the credit was reversed at the conclusion of the dispute settlement. 

In XX/XX/XXXX, I received a email communication stating I the matter was resolved in favor of the merchant and was charged {$400.00}. I called Goldmen Sachs and advised them of the error in the dispute. I advised the matter was closed. In XXXX I received another email communication stating a dispute was resolved in favor of the merchant and was charged for {$400.00}. 

I called Goldman Sachs and Apple Card to remove the debit on my account and they are telling me I owe them for the credit that was applied to my account. I advised no credit was applied on my account and requested an audit. The matter is pending. 

There records are unclear and if I was not a XXXX XXXX XXXX I would not be able to understand the financial transaction manipulation.
Consumer complaint received 2022-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (CA)

I.C. System Inc Collection company added a collection onto my credit reports claiming XXXX to XXXX and XXXX mobility who was the original creditor. Date opened according to them XX/XX/XXXX and balance {$2200.00} as of XX/XX/XXXX. I have no current XXXX XXXX XXXX accounts. The last time I had XXXX XXXX XXXX account was ten plus years ago. I filed a bankruptcy in XXXX that would of XXXX any old account with XXXX and XXXX This company has also reported an address that I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. This collection is either time barred past statue of limitations or identity theft. This collection company is in violation of the Fair Debt Collection Practices Act. This collection is not valid and the collection company needs to remove this collection from my credit report for all three agencies. I have filed a dispute with the credit agencies and reported to XXXX XXXX XXXX who completed my bankruptcy in XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Below is link to address I never lived but this collection company is reporting as my address XXXX XXXX XXXX