davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

On XX/XX/2019, I emailed a person who claimed be a XXXX  XXXX Season Ticket Holder who wanted to sell four tickets to Game XXXX of the XXXX XXXX XXXX at XXXX XXXX in Washington, DC. I emailed that I was interested in purchasing tickets for me and my wife. 

The next morning ( XX/XX/2019 ), I received an email from the seller, requesting a phone number to contact me. I provided my phone number and my wife 's phone number to make sure he could contact us. Later on that afternoon, I received a text from the phone number XXXX, wanting to confirm he had the correct number. I replied that he had the right number, and we were interested. I also asked him if all four tickets were available, and he replied that they were. I asked to confirm if the price for all four tickets were {$1600.00} ( he claimed in the ad that the tickets were {$400.00} per ticket ), and he confirmed. I asked him for verification, and he provided screenshots of a XXXX account with what he claimed were his group 's seats. The screenshots appeared legitimate, and I asked him how I could pay for them. He asked if I had a PayPal ; in which I responded that I did. He asked me for a PayPal email address, which I gave him, and then sent me an PayPal email request, but asked me to send payment through the " Friends and Family '' option so he would not be assessed any fees. I obliged, not understanding that I was unprotected making payment this way, and when the PayPal request came, I sent payment through PayPal. 

I let him know that I sent payment, and he said that he would check his account when he got home ( he claimed he was on the road ). Later, he sent me a screenshot of his PayPal account with a message stating that he would receive payment in 24 hours. He followed up the text by stating that he would send the tickets in the morning once payment was received, and that the tickets were officially off the market. The next day ( XX/XX/2019 ), I did not see the tickets in my email, but figured that maybe he had not received payment yet. He texted me in the middle of the day asking if I was available, but I was not able to get to my phone right away. As soon as I noticed the text, I asked him if everything was okay with his payment, and he responded that he had not received it yet. I called PayPal to find out what was going on, and they told me that he should have already received payment. I texted the seller back, and let him know that PayPal stated he has his payment. He asked to see if the payment arrived, and I never heard back from him afterwards. After a couple of hours, I realized that I was scammed, and looked in my bank account, whereas the money had already been transferred.
Consumer complaint received 2022-07-12
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. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA 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. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX CO Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  US BANKRUPTCY COURT Account Number : XXXX Account Name : CXXXX XXXXXXXX US BANKRUPTCY COURT Account Number : XXXX
Consumer complaint received 2022-07-18
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: BARCLAYS BANK DELAWARE (GA)

My barclays jetblue credit card issues convenience checks on a regular basis. I have never written or used a convenience check associated with my barclays jetblue credit card. 

On XX/XX/2022, there were 2 charges posted to my credit card account for {$10000.00} and {$300.00}. On XX/XX/2022, another charge for {$500.00} was posted. On XX/XX/2022, another charge for {$2000.00} was posted. I rarely use this credit card so I didn't find out about these charges until checking my account sometime in early XXXX. Once I saw these fraudulent charges post, I called jetblue. At the time of this phone call, they removed the charges and reported the charges as fradulent. 

On XX/XX/XXXX, all XXXX of the above charges were reposted to my credit card. I received a letter in the mail from barclays, stating that barclays posted these charges back to my account because after they looked into it, the convenience checks were written to my name and barclays found the charges as valid. 

After receiving this letter, i called barclays on XX/XX/2022 to appeal this decision and they said they were going to reinvestigate these charges. They communicated to me that the investigation could take up to 14 days to be completed. After this phone call, i called to follow up on the investigation on XX/XX/2022 and the investigations department communicated to me that the investigation was still ongoing and they hadn't come to a decision yet. 

I called barclays back today XX/XX/2022 to follow up on the investigation and the representative notified me that the investigation was complete and that the charges were found as valid because the convenience checks associated with my credit card were written to the cardholder 's name. I asked the representative to speak with a manager to speak about this further and he notified me that in order to speak with a manager, the manager would have to call me back and this would happen within 1-5 business days. 

I am writing to the CFPB because there has not been a resolution reached in my direct communication with Barclays. As of right now, the current balance on my credit card is {$13000.00}. There have been late fees and interest charges added on top of the 4 charges listed above. I did not write the convenience checks for the above listed amounts that have been posted to my account. Barclays has not been able to provide me with proof of the checks, where the checks were deposited, and what signature was used to sign the checks. My credit score has dropped and I imagine will continue to drop as barclays reports late payments and accrued fees.
Consumer complaint received 2022-04-26
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (WI)

On XX/XX/2022 XXXX Bank formerly Transferwise deactivated our business account for no reason or explanation. 

I have personally used wise for a few years and have had no issues up until this time. 

As we respected the service we decided to open up two business accounts for the purpose of acquiring property for a television series we are producing.

After de activating our account we immediately sent in all the required documentation, all updated from our Attorneys.

We have reached out to wise on a day to day basis for an update and have met all of their terms and conditions and have not found a reason why this is happening. They state on their web site we would receive some sort of update or notification within ten business days of the account being appealed, we are well past this date and still have not received any notice and they are holding over XXXX usd for no reason. Many people in our organization are counting on this money to survive and pay their bills. We have also lost a tremendous amount of money due to this.
Consumer complaint received 2020-09-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (WA)

On XX/XX/2020 I opened a checking and savings account with First Citizens Bank of XXXX It was advertised that I would receive a {$300.00} bonus for opening both accounts and doing 10 debit transactions. I completed all the requirements and have contacted the bank and still have not received the promised {$300.00} bonus. It has been almost 5 months since I met the requirements of the promotion and when I ask about it they state : " Thank you for your message. We appreciate the opportunity to respond to your inquiry. We do apologize for the inconvenience this has caused. We have forwarded your information to the correct department to inquire about the promotional credit. We will contact you when we receive a response. '' Thank you.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwestern Health Management INC (MO)

I originally started disputing with this company on XX/XX/XXXX and it has been over 180 days since my first dispute and i have yet to receive any information that validates the alleged debt owed from the debt collector Northwest Financial Services. The debts date back to XXXX and i just now discovered them on my credit report. They sent me a letter on XX/XX/XXXX 90 days after my first dispute. i also did a XXXX complaint and then they finally responded with the attached letter saying that the debt is mine but they haven't validated any of the accounts. They have violated my rights to privacy, and They are still showing this alleged debt on my credit report, and causing me anxiety and stress.They don't seem to be taking me serious so i may have to envolk my rights to litigate.
Consumer complaint received 2022-07-18
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. (MA)

The accounts that are reporting on my credit report are false and inaccurate accounts that are reporting. These accounts have been opened without my knowledge or consent. I have already tried to complain about these reports i was told an investigation would take place and i still havent seen any results
Consumer complaint received 2020-11-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CT)

On XX/XX/2020 Wells Fargo initiated a wire transfer ( # : XXXX ) through my business bank account ( for XXXX XXXX XXXX XXXX ) in the sum of {$6800.00} absent my authorization to an individual unknown to me, named XXXX XXXX. This money was sent through wire transfer from my XXXX bank account to XXXX XXXX at his Bank, Routing Number XXXX, account number XXXX. I was inadequately and improperly notified by Wells Fargo of this specific transaction, and when I went to dispute this wire transfer ( which took place on the eve of XX/XX/2020 ), I was advised by Wells Fargo that the money was already withdrawn from XXXX XXXX XXXX XXXX XXXX XXXX account early in the morning on XX/XX/2020. Thus, Wells Fargo did not take proper precautions to confirm this exact wire transfer, and XXXX XXXX never took precautions to hold this transfer of money in abeyance until such transaction was confirmed. It is my understanding under the federal and state banking guidelines that the appropriate time period should have been at least a 24 hour period for clearance of funds. XXXX XXXX reneged upon enforcing any fraud action against their customer, XXXX XXXX, and Wells Fargo disclosed XXXX XXXX ' address which is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, New Jersey XXXX and told me to go after XXXX XXXX myself, that because of Covid 19, they are not exercising all of their duties and regulations as what was more carefully done in the past. I expect as an American Citizen, that the banking regulations and laws would protect me in such a situation, and that it is their responsibility to do so and not have me personally resort to debt collection with an individual who clearly committed fraud and larceny under the law. XXXX XXXX, c/o XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX ( XXXX ) XXXX
Consumer complaint received 2020-11-07
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: Aargon Agency, Inc. (CA)

Issue : XXXX Reporting There are 5 collection accounts on my report that are inaccurate. I have never done business or entered into written agreements with any of the aforementioned businesses. It appears to be collection agencies from medical bills and a cash advance business. 

I have submitted numerous disputes and asked for copies of the original written agreements to verify the accuracy of the accounts, and I have not received them.
Consumer complaint received 2021-06-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Conduent Incorporated (NM)

XX/XX/2021 I live in New Mexico. I am a victim of ID Fraud. Someone has used my information to start an unemployment benefits claim. I have notified my state, and the EppiCard arrived at my home on XX/XX/2021. I am trying to call them, inform them of the fraud and close the account but there is only an automated system that does not have an option for reporting fraud or to speak to a live person. ( Terrible System!! ) I need to make sure a replacement card is not ordered, as I do not know if there are multiple claims in my name or not.
Consumer complaint received 2021-06-03
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: Experian Information Solutions Inc. (NY)

Its been overXX/XX/21 and no sign of investigation and no information given. I sent Experian certified tracking regarding accounts that I do not recognize or recall. Accounts misleading and I never entered in any contracts with these companies. Moreover, per 15 USC 1692 laws, I was never notified within 5 days nor did the companies provide information or I give permission to these accounts on my credit report. FTC Report Filed see attached. Multiple Federal Violations
Consumer complaint received 2020-11-13
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 (CA)

On XX/XX/2020, SYNCB/LOWE 'S XXXX add a hard inquiries on my credit report per XXXX. There was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine.
Consumer complaint received 2020-09-11
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. (NY)

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX  has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a  minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX   immediately, and as a professional courtesy by XXXX XXXXXXXX XXXX XXXX   the entire account should be deleted off of my credit reports with XXXX XXXX and Trans Union collectively. XXXX XXXX XXXX XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX
Consumer complaint received 2021-08-18
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: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX Last 4 Digits of SSN : XXXX While looking over my yearly credit report I see that there is some incorrect information regarding my personal information. There are addresses reporting to my credit report that are not associated with me. It seems as though you or the creditors have mixed my file with someone else that is in my family which is understandable being that our names are similar. I have included my license and proof of address to assist with the handling of this dispute. I am asking that you please remove any and all addresses that do not reflect the address that is on my license and/or proof of address so that the information on my credit report is accurate. 

Thank you so much for your time in assisting me with this matter. Please send me correspondence that shows that these changes have been implemented.
Consumer complaint received 2020-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX has a hard inquiry on my credit file that was not made by me. It is from XXXX XXXX, XX/XX/2019. 



I called XXXX about this and was told I needed to contact the company who listed it ... why do I need to do that? It is their responsibility to verify information they are posting on my credit report. They should be able to produce something I signed giving them access and i know I signed nothing of the sort! This is unfair and they have not removed it nor verified it to me.
Consumer complaint received 2021-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX I sent in a dispute to TransUnion about the following accounts listed below with a follow up on XX/XX/XXXX for no response, on XX/XX/XXXX they responded with just a summary of their method of verification but no information on the investigating items. 

XXXX  XXXX  XXXX  {$430.00} This account is questionable. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion there is no date of last payment with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX This account is inaccurate showing a High balance of {$460.00} on TransUnion but on XXXX  shows {$420.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. This date should reflect the FCRA compliance date which should not be changed. 

XXXX {$11000.00} This account is inaccurate showing a High balance of {$12000.00} on TransUnion but on XXXX  shows {$11000.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can the last payment be after the date of last activity. This date should reflect the FCRA compliance date which should not be changed. 

XXXX  {$1600.00} This account is inaccurate showing a High balance of {$1500.00} on TransUnion but on XXXX  shows {$1600.00}. The date of the last payment on XXXX  shows XX/XX/XXXX with the date of last activity of XX/XX/XXXX but TransUnion the date of last payment is XX/XX/XXXX with a date of last activity showing XX/XX/XXXX. How can this information be different if they come from the same creditor? This date should reflect the FCRA compliance date which should not be changed.
Consumer complaint received 2022-10-26
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I was contacted by XXXX XXXX ; phone number ; ( XXXX ) XXXX through messenger. He pretended that he was a high classmate and from there, he mentioned about XXXX XXXX XXXX XXXX run by XXXX XXXX XXXX XXXX ) XXXX. XXXX, told me that this XXXX XXXX help him with his hospital bills due to his XXXX problem. I contacted XXXX and he mentioned that the program is legit and if I sent the money right away I will have the money in 48 hours. At around, XXXX XXXX I went to my bank ; Wells Fargo Branch at XXXX and spoke to XXXX XXXX and I told him that I want a wire transfer of {$30000.00}. He wire transfer the money to XXXX XXXX XXXX and routing number of XXXX. At XXXX XXXX, I call the Wells Fargo customer services and I told them that I was scammed by XXXX XXXX. The banker representative told me that they could not stop the wire transfer because it happened at XXXX XXXX. They gave a case number of XXXX. Today, XX/XX/2022, they told me that the case was close due to not enough evidence.