davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-25
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: TD BANK US HOLDING COMPANY (NY)

In XXXX, I purchased a {$1000.00} money order for {$1000.00} using my debit card at the post office to pay someone. It wasnt until a couple of weeks later that I found out that the money order bounced when deposited in the bank of the person I gave it to because it wasnt activated properly before being handed to me. 

I immediately opened a dispute with my bank ( TD ) and the post office to get my money back. TD gave me a provisional credit while they opened their investigation.The post office also opened an investigation and then escalated it to tier 2. They were of little help besides saying it was strange and the person at the physical post office saying they were having computer issues that day. They even confirmed it hasnt been cashed yet, its just in the ether. I called a week later to ask for an update and the person on the phone opened another investigation and escalated it to tier 2.

After about a month, TD asked for more proof and I faxed them all my correspondence with the post office, copies of my statement before and after the transaction and the money order stub but they said that wasnt enough. I even told them it wasnt even cashed. They asked if I had a voided receipt but you dont get that with money orders, only the stub. I couldnt give them the actual money order as the bank that cashed it wouldnt give it to the person I gave the money order to. They probably destroyed it by then. I was told the one investigating my case would call me with more information because what they wanted didnt exist. They never did.

I called the post office again a couple weeks later but the customer service rep didnt know what to do and offered to open a new investigation and escalate it to tier 2 ( sound familiar? ) and said someone would call me. They never did. After 90 days ( XXXX ), TD closed the investigation by default for lack of evidence on the weekend and took back their provisional credit, making me overdraft twice. 

The next day, the post office emailed me saying they were able to obtain a photocopy of the money order in question but they couldnt just give me my money back because they didnt have the actual money order, I had to fill out a completely new form for refunding money orders that could take up to 60 days to get my money back. 

The following Monday, I went to a TD branch in person and explained the situation again and the banker sided with me after I showed her everything I had including the new photocopy from the post office. She used all the info to open another new 90 day investigation which allowed me to get a new provisional credit. 

Its been almost 3 months since Ive heard from either and Im beyond frustrated with both of them. Im still out {$1000.00} ( MO + two overdraft fees ), stressed out and still no closer to a resolution. In less than a month, TD will automatically close their second investigation retaking back their provisional credit. 

XXXX incident number : XXXX TD Bank claim number : XXXX
Consumer complaint received 2022-07-28
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. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX.S. Bankruptcy Court Reference : # XXXX
Consumer complaint received 2022-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I was reviewing information on my consumer report and I noticed some information that was outdated, inconsistent and incorrect. I would like to remove the following information to make sure that things are in order. 

Any information that doesn't match my current information must be removed. 

Under ( FCRA ) it state 's that i have the right to privacy, accuracy, and what is reported on my consumer report pursuant to the following codes : 15 USC 1681 ( A ) ( 4 ) XXXX  : XXXX 15 USC 1681E ( B ) XXXX  : XXXX 15 USC 1681i ( 5 ) XXXX  : XXXX 15 USC 1681b XXXX  : XXXX I have also enclosed a letter going stating the correct information.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (FL)

I am Sending a complaint today in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. I sent letter to Bureaus on XX/XX/XXXX regarding this matter but no response until this day XXXX XXXX. The EXPERIAN and XXXX credit bureaus are required to authenticate the accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat thisreporting account as unconfirmed information without producing proof within the legal time range. I've already included thisin my last complaint # XXXX XXXX and XXXX and I'm including it again The account listed below needs to be fix right away : XXXX XXXX Date opened XX/XX/XXXX Balance {$100000.00}
Consumer complaint received 2022-07-28
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: Experian Information Solutions Inc. (MD)

I'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX  XXXX Balance : {$11000.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (TX)

Dear Sir/Maam, I noticed citi bank company is doing wrong thing on my checking account ending XXXX. 
They block my account with no letter, no reason. 
I cant withdraw my money from ATM, even no cashed 2 check with fee. 
They said gave bonus but all is fake, lie, dirty game. 
I still have balance in my account and want to withdraw all and close the account. 
Never citi bank checking account. 
Some dirty person behind them help them stand for doing dirty.

Fraud action. Please help to investigate and resolve it, thank you! 
Best,
Consumer complaint received 2022-07-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2022, I was a victim of a phishing email scam. 

The email came from what looked like XXXX. The email was : XXXX In the email they sent an invoice of {$500.00} I bought in bitcoin. I have never bought XXXX. So I called the number at XXXX to dispute the transaction. 

The other person on the line was incredibly professional and convincing. He claimed the charge came from an IP address in Texas. I have no association with Texas. 

I was in a panic and not thinking straight. This was a lot of money. So I did whatever this very professional, reassuring voice on the other end of the phone told me to do. 

They wanted to verify my IP address by sending money through XXXX. This was to assure my IP address and somehow catch the other person. 

I understand it makes little sense but at the time I was not thinking straight. They assured me the money was going to come to me instantly again from their manager, XXXX XXXX. 

I ended up sending XXXX transactions to them. XXXX for {$1300.00}, and another for {$1300.00}. 

The money was taken right away. They hung up and that was it. 

I rushed to my nearest Wells Fargo bank and explained everything. I filed a complaint and got all new accounts. 

Yesterday Wells Fargo closed their claim stating that they have provided all the information I gave to the bank institution I sent the money to through XXXX. It is now up to that institution to decide to give me back the money or not. 

Wells Fargo says they can not do anything at all and that I am to the mercy of this other bank. They will not provide the other bank for me to follow up because its against security protocols. 

Nearly {$3000.00} is gone and I have no one to go to for help now. I have no answers. My bank Wells Fargo has given up on me. 

I understand that they have no way to get the money back and to refund me, but it just seems irresponsible of all these banks to not have any security measures to cancel or hold these transactions. I alerted my bank nearly 20 minutes after this happened during banking hours and it seems like absolutely nothing was done. 

I dont know what Im asking for, I dont know how this money will ever be given back. I fear I must accept that it is gone. 

Though I know I am not the only one who has gone through this. Not the first, certainly not the last. 

I just want my story to be noted so that we can hold either the banks or XXXX itself responsible for these scams on the innocent. Maybe somehow through your interference you can help me get more answers. 

I forgot to mention that the scammer called me the next day with the number XXXX claiming they were still from XXXX. I hung up and blocked them immediately. 

Thank you for taking the time to read this.
Consumer complaint received 2022-07-28
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX  Inquiry Date XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-28
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. (NV)

Again, I was a victim of identity theft and this is another request to block the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
Please remove the following items listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-28
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX XXXX XXXX  Inquiry Date XX/XX/2020 XXXX Inquiry Date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-25
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer 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 antedates the report by more than seven years.

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 2023-03-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I tried to transfer money between two Bank of America accounts using their web site. The transaction was prohibited UNLESS i had a debit card. However, I do not have and I do not want a debit card. In the past it was possible to make transfers, but they have now added this restriction. I was told that I could visit a bank branch and conduct a wire transfer for a {$30.00} transaction fee. But I would greatly prefer to not do that either. 

It seems it is easy to deposit money, but moving money - even between accounts within their own bank branches- is now impossible.
Consumer complaint received 2022-09-11
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: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am reaching out in regards to my my payment history. I would like to update it with late payments removed. The reason being is because these reports on my consumer report are causing me extreme stress. I am stressed because its not supposed to be there also making it hard for me to network. I seriously dont appreciate this. This is literally causing me hardship, these illegal practices being done! Late payments are literally illegal, Billing Error 15 U.S code 1666b. I would like to demand these be removed. Please help me out.
Consumer complaint received 2022-09-11
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (AZ)

I made an initial credit card payment on XX/XX/30 for {$500.00}, which has not been reflected in the online account information under " available balance '' even though it's reflected in the " Current Balance ''. I received a credit card statement on XXXX, which reflects the payment in both the " Statement Balance '' and the " Available Credit, '' yet I can't make purchases because the payment hasn't been reflected yet in the online account. The funds have also already cleared my checking account, which happened on XXXX. 

The information that they're providing on the online account and the credit card statement is not consistent, and they are holding my funds hostage even though they have the money and it's cleared my account. 

Apart from this, this isn't the first time I've run into problems with their credit cards. This is just the first time it's impacted my ability to make critical purchases.
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

Hello I opened a business checking account with US Bank on XX/XX/XXXX using online link on their site. Account opening bonus was {$500.00} on meeting eligibility criteria and using code " XXXX '' while opening account. I met the eligibility criteria well before the allowed time. They were supposed to deposit the bonus within 30 days but it's been 2 months and I haven't got any bonus yet I followed up with the US Bank and after a month delay they denied me the bonus saying I don't qualify which is completely false as per terms of the offer ( attached as part of my complaint ). This is very misleading and false behavior and feeling a victim of bad management at US Bank I would like to request you to help me in reaching out the bank and have the bonus credited. Thanks
Consumer complaint received 2022-10-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MD)

XX/XX/2022 i was charged for {$99.00} by XXXX  they scammed me and wrongfully charged my account i called chase and asked to cancel the pending charge but they informed me i had to wait till it went through and they gave me my {$99.00} back the next day today on XX/XX/XXXX chase denied my claim took {$99.00} overdrafting my account- {$20.00} and are refusing to give me the money they stole, i just want my money back
Consumer complaint received 2020-05-25
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. (FL)

XXXX Account Number XXXX Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX Balance : {$1300.00} This debt continues to remain on my credit reports after working with the credit bureaus to get it resolved. There is no phone number or proper information letting me know anything about this collection. I am not even familiar with this debt, it needs to be removed. This is negatively affecting my credit score. It should no longer show on my XXXX and TransUnion credit reports.
Consumer complaint received 2020-05-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I filled a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 60 Day demand to comply sent XX/XX/2020