davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc. (NY)

My excluded worker 's fund was stolen. When I received the bank card, I registered on the bank 's website and set up a transfer warning. Then, when I swipe my card at a restaurant near my home, I have Received a transfer text message. At the time, I also checked my bank balance and it was correct. After more than half a year, when I checked the bank balance, I found that there were only XXXX dollars left. When I called the bank 's customer service, I was told that my money had been wiped out. I was very shocked. My card was not lost in my possession, nor did I receive any transfer information from the bank. I don't even know where my money went. I asked the customer service for the transfer record, only to find that my card had been stolen on XXXX XXXX XXXX. I really can't believe which bank can pass through the card for more than XXXX XXXX dollars within 3 days, and there is no call or text message to notify the customer. As a result, I didn't even know that my card was stolen. Now the bank says that there is no way to protect my rights, because I have passed the 60-day retrospective period. The time of the transfer records I received from my previous consumption and the transfer records given to me by the bank are also inconsistent.
Consumer complaint received 2016-04-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I sent transunion a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : SEE ATTACH DOCUMENTS According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called TRANSUNION and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified TRANSUNION have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested.
Consumer complaint received 2023-01-19
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. (VA)

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 fumish a account without my written instructions
Consumer complaint received 2023-01-19
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. (CA)

In accordance with the fair credit reporting act. XXXX and EQUIFAX Have violated my federally protected consumer rights to privacy, confidentiality and publish information to my credit profile without my written consent. As a consumer I am protected from this types of IDENTITY THEFT under 15 USC 1681. The account that is illegally on my profile is : XXXX XXXX XXXX open XX/XX/22. Equifax and XXXX both have committed fraud and have violated my right Under 15 USC 1681 section 604a section 2 : it States that a consumer reporting agency can not furnish a account without my written instructions. I have not provided my written instruction to XXXX or Equifax. In section 15 USC 1681c ( A ) ( 5 ) Section states, no customer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which and antedates the record report by more than seven years. I have not been convicted of a crime in seven years or ever. I otherwise as a consumer : Have the right to privacy as stated Under 15 1681USC section 602a.
Consumer complaint received 2015-06-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MN)

We moved in XXXX XXXX and our mail forwarding request was active from XXXX XXXX - XXXX XXXX. Our mortgage lender, Wells Fargo, never changed our records to our new address, even though they had access to it, so all of our personal financial loan information was continually sent to the old address. In XXXX XXXX, we received XXXX letters from Wells Fargo at our new address, so we know they had the new address available, but they never changed our files. In XXXX XXXX, Wells Fargo filed an insurance claim on our old property. The loss was from XXXX XXXX, when we still owned the property and were clearly listed as the insured on the claim. Since our address was incorrect, we did n't receive any of the information about the claim - it went to directly into the hands of the renter at our old address. He opened our mail from Wells Fargo and/or XXXX ( the insurance adjuster ) and used our personal loan information to contact Wells Fargo. In XXXX XXXX, we received a letter from Wells Fargo addressed to the renter, but cc 'd to us, stating they were sending the renter a check based on that insurance loss. They sent him 2 checks totalling {$20000.00} off an insurance claim from when we owned the home and under our loan number. Not only did Wells Fargo hand him all our personal data by never properly changing our records, but they allowed him to contact them and speak with them regarding our loan and our insurance claim. Wells Fargo sent an apology, saying they messed up by sending him the money, but also stated their error did n't harm us because we were n't owed the money. Our mail was opened, our personal information was breached, and Wells Fargo allowed someone to contact them several times using our account information and swindle them out of nearly {$21000.00}. For the bank to say " oops, sorry '' and expect us to sweep this under the rug is beyond insulting. We have no idea how long this will affect us or how far this man will go to use our information for his own gain. Wells Fargo has a responsibility to us and they failed miserably at it. Our personal, financial information was handed over to someone else AND he was allowed to gain access to the largest financial loan we have.
Consumer complaint received 2023-01-19
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. (IL)

XXXX, the payment wasn't late, just lost in the mail as confirmed by the bank several times. Yet they refuse to remove the late payment on the credit report. Claiming they can't " do it ''. 

XX/XX/XXXX- XX/XX/XXXX. During this time I was on state mortgage assistance programs which the State of illinois was paying my mortgage. Upon several times of notifications that I was in this program, the bank called me up, claiming that they had never got the payment. Which I had to talk to " a specific '' person to get that program readjusted because there was only 1 person in the bank that dealt with the program. As I was XXXX and not able to work while waiting for the Veterans Affairs claims to process. 

They claimed it wouldn't go negative on the account because of the state couldn't get a hold of the bank contact that was supposed to DEAL with the payments directly. As per their own program and policies. Yet when the late payments occurred. They reported it to the credit company as negative. Even times when things were late in the mail in XX/XX/XXXX. Where the payment was a few days late, they counted as 30 days. I called and let them know. AGAIN. the reps at the bank claimed it wouldn't go on the credit report because I was in a tough situation between SSD claiming I was supposed to be on VA XXXX and shutting me off of assistance. While of course, the VA taking their sweet YEARS timeframe to do anything and get anything done. 

Not to mention that literally every few months they disable my account. picture attached.
Consumer complaint received 2019-03-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections (UT)

I filed a complaint on Bonneville Collections with this division on XX/XX/XXXX. The complaint at that time was regarding the communication tactics used, calling late at night, calling several times a day, etc. I have talked to a representative as often as I could take the call. On one call I was told that I owed a little over {$100.00}. The next day another representative called and told me that I owed {$210.00} dollars. When I questioned the amount they didn't give me an answer. At that time I requested an itemized bill notifying me what the amounts were and what the dates of service were and who the patients were because I had never received that information. I was informed by the representative that by law they didn't need to provide me with that and that I was just to know what I owed them and why I owed them. I asked again for a itemized bill. What I received was a letter dated XX/XX/XXXX that gave me an amount and creditor, no date of service or patient information. The amount on the letter was different than any other amount I had been given. I received another call and asked again for a letter with detailed information around the first week of XXXX. What I received on XX/XX/XXXX was a demand for payment in the amount of {$210.00}. Payment was due in 7 days or I would be referred to their attorney. Bonneville Collections have never responded to my original complaint. It has been ignored. Today XX/XX/XXXX I was served a summons to answer to their attorney and the amount they are requesting or will be suing me for is over {$600.00}. I have never been able to verify the debt. The attorney office of XXXX and XXXX has never sent me a notice to validate the debt. This collection company also has me listed under several different account numbers so we can't verify any of the debt and any attempt to sort this out has not worked and they have not given me any of the information that I have asked for.
Consumer complaint received 2023-01-19
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. (IL)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX 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 2023-01-19
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. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Original creditor TX XXXX XXXX XXXX XXXX Balance : {$190.00}, XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX TEXAS ) XXXX Balance : {$80.00}, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX  Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

First and Foremost my username/email needs to XXXX, I left out the " g ''. 

I am a victim of bank fraud in the amount of {$1800.00} as a customer of Capital One Bank on XXXX XXXX, 2022, by way of a telephone scam by a XXXXXXXX XXXX XXXXXXXX. customer. Capital One has not found the transaction as a fraudulent activity???? After I complained to Capital One about their unfavorable decision, they advised me to submit a letter of explanation and file a police report, at the end of XX/XX/2022???, XXXX  months later. I reside in XXXXXXXX XXXX, The XXXX Police Dept said the police report has to be filed within the municipality of the receiving bank? XXXX XXXX. is located in XXXX XXXXXXXX XXXX. The XXXX XXXX Police Dept. says I need to file a police report with my local Police Department??? Meanwhile Capital One is trying to hold me responsible for this {$1800.00} theft by the XXXX XXXX. customer. Furthermore XXXX XXXX. does not have an option to speak to a representative, unless you have an account number or financial institution, only an email option for a non-customer. I sent them an email, notifying them of this crime and asking for a contact person or contact number ... No Response from them??? Please see the attached letter of explanation. I look forward to your assistance... .Please Help.
Consumer complaint received 2023-01-19
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-01-19
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)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about their accuracy and the reported payment history on accounts are mystery to me. 
XXXX & XXXX  XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ... XXXX XXXX XXXX {$0.00} ; XXXX XXXX .... Balance : {$1800.00} XXXX U.S. DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$45000.00} XXXX XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Consumer complaint received 2023-01-19
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. (TX)

PLEASE HAVE EXPERIAN XXXX XXXX XXXX TO REVIEW THIS COMPLAINT. 
Experian is obligated by the FCRA to report accurate accounting.Consumer has advised ALL INQUIRIES AND ACCOUNTS reported was fraud. Said company had 4 days According to law to remove Such items. FTC fraud report was filed on behalf of the consumer, Consumer now is requesting Experian to provide documentation used to determine the inquiries and accounts was indeed authorized by the the consumer. EXPERIAN has 7 days to provide with names to persons spoken to, documentation used signed applications with consumer wet ink signature. Consumer is not asking for E-Oscar report. If EXPERIAN does not have documentation to show that these accounts and inquiries was in fact authorized by the consumer they must be removed ASAP. SAID company is liable the SEC to follow certain rules. EXPERIAN commission number is XXXX XXXX XXXX XXXX XXXX XXXX AS TRUSTEE XXXX XXXX as trustee XXXX XXXX XXXX XXXX SECURITY INTERMEDIARY THEY ARE ALSO THE DEPOSITARY BANK ADDRESS XXXX XXXX XXXX XXXX XXXX, Delaware XXXX. EXPERIAN IS SECURITIZING CONSUMER DATA WHICH IS DEFINITELY NOT EQUIBLE TO THE CONSUMER AND ALSO REFUSING TO GIVE CONSUMER THEIR CREDIT FILE Experian is under fire for failure to remove consumer inaccurate information that's causing them financial injuries I have tried twice this year to remove Such items but Experian deliberately do not remove my request items nor do they summit to documentation requested for on behalf of their dispute
Consumer complaint received 2016-02-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

I am in the process of purchasing a house for my family, and I see that I have two accounts in collection. They NEVER contacted me BEFORE passing this information on to my credit [ report ] they havent even sent me an account statement. I dont know what I owe this money for. Ive never even received telephone calls from them. 
I havent received any explanation about anything. They didnt give me any opportunity to verify the balances that they want to collect from me
Consumer complaint received 2024-10-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (PA)

Chase will not let me transfer funds to accounts that I own. Chase will not give a valid reason for cancellation of transfers even after ID verification. Chase will not let me schedule ACH or wire transfers even after contacting customer service. Customer service at Chase is making my transactions from my account very difficult
Consumer complaint received 2023-01-19
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. (NY)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2, these accounts are not mine. The Accounts I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, I have doubts about their accuracy and the reported payment history on accounts are mystery to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX