davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Neon Newco Corporation (TX)

On or about XX/XX/2022 {$250.00} was direct deposited from my payroll account to a netspend account using debit card XXXX and XXXX. On or about XX/XX/2022 XXXX XXXX attempted to deduct {$140.00} from debit card XXXX for an annual renewal. Netspend declined the transaction and issued an alert via text message. I did not recognize the charge and the card was suspended. After brief investigation I realized my mistake and used XXXX ( same netspend account ) to authorize the transaction which was approved and the funds were deducted leaving approximately {$150.00} remaining in the account. I attempted to access the netspend account but was refused access with a message to contact customer support. I contacted customer support and was instructed to email or fax images of my social security card and drivers license before access to the account would be granted. I refused since I believe this information is extremely sensitive and the means for data transfer netspend was requiring is not secure. I told netspend to close my account and refund the remaining funds to the address on record. I was told this would occur. As of today XX/XX/2022 I have not received the funds and contacted netspend to inquire regarding status of the refund. I was informed that no refund would be issued until I submitted sensitive personal information via an insecure method. I believe this request from netspend is unreasonable, they can simply return the funds to the address of record from which the account was opened but are refusing to do so. Netspend has unlawfully converted my funds refusing me access to my money. I have demanded a refund and they have refused to do so. I believe this may be a scam or ploy to gain funds from unsuspecting consumers since netspend knows this is a small amount making legal action by victims unlikely.
Consumer complaint received 2022-09-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (AZ)

At the onset of the Covid-19 pandemic, on or around XX/XX/2021 to present, I have incurred interest on both of my consolidated Federal Student Loans. The Federal government through the Department of Education, is providing Student loan borrowers interest relief of XXXX dollars due to the Covid-19 pandemic. 
I have contacted my Student Loan Servicer and they are refusing to provide this interest relief on both of my loans because they state these are private loans funded by a bank, although they were Federal Loans under SalieMae. I am attaching documents of both loans indicating proof they are Federal ( FFELP ) Loans.
Consumer complaint received 2022-09-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2020-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I found a XXXX post for 4 tickets @ {$100.00} each to the XXXX playoff game XXXX XXXX vs XXXX XXXX for XX/XX/XXXX. I texted the contact phone number for the listing and the person said the tickets were still available. He asked if I was familiar with quick pay with XXXX and XXXX. I said I knew XXXX, but not familiar with XXXX. I found out that Wells Fargo had XXXX incorporated into my account, which made me comfortable that I was using a namebrand bank to support this in case something went wrong. So, I transferred {$400.00} via XXXX from my Wells Fargo bank account to his email : XXXX I actually spoke to him and he said his name was XXXX XXXX and that he had tickets for his kids, but wasn't able to go. So, I transferred the money and confirmed he received the money via text. 

He then asked for my email address to transfer the tickets. He said they would come momentarily, but they never came and no further response my repeated calls and texts. 

I called Wells Fargo IMMEDIATELY to stop the transfer and report the fraud. They said they would get the process started, however I just received a letter from them that they had done an investigation and discovered that their transfer was not in error. I hadn't asked them to investigate that, but rather informed the agent that I was scammed and needed the transfer to be reversed IMMEDIATELY, but they said they would have to complete an investigation first. On XX/XX/XXXX, I received a letter stating that the investigation was complete and they would continue to investigate. When I called the Wells Fargo Help Number the kind women stated that they investigated the transaction to determine if Wells Fargo or XXXX had made a mistake. I stated that I was submitting fraud or theft and they said I should contact my local police department as XXXX didn't have that function. What!!!??? a namebrand bank doesn't protect users from Fraud or  Theft? Needless to say, I am upset. I submitted a case to XXXX as well and want to file a complaint to CFPB as this type of Fraud seems to be increasing at an ALARMING rate and that Wells Fargo should inform its users so that they aren't victimized like I was and many many others. 

Summary : XX/XX/XXXX, XXXX for Football Tickets ( XXXX XXXX vs XXXX   XXXX ) contacted user at @ XXXX Transferred {$400.00} to XXXX Seller on Friday XX/XX/XXXX Upon confirming funds were received, I requested the tickets Seller asked for my email address, which I gave No tickets were transferred to my XXXX account and no response to any of my texts or calls that night
Consumer complaint received 2020-01-23
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. (GA)

I have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.
Consumer complaint received 2022-07-15
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: KEYCORP (WA)

My brother passed away on XX/XX/2022 without a will. I have been appointed Administrator of his Estate. I found a Key Bank debit card and took it to a local branch in XXXX, WA. I was informed there was no account attached to this card and it was issued by WA State XXXX XXXX  and I should contact Unemployment which I did. The agent also said I should contact the Customer Service number on the back of the debit card. I went to the local XXXX office and they said it didnt have anything to do with them. 

I called the Customer Service number 4 times and spent a total of 6.5 hours waiting to talk to someone which didnt happen. I went back to Key Bank 2 more times and tried talking to a manager, with an appointment but was skunked. They said the same thing, I had to talk to customer service. 

At one point, I was able to find out the funds on this card but it expired at the end of XXXX. My partner called a number he found and talked to a Key Bank agent in New York that told him no one was answering the Customer Service number any longer and I found out Employment Security doesnt use Key Bank any longer for the debit cards. 

I have talked to XXXX XXXX close to a dozen times. I was given an email address a couple of days ago by an agent to again try to contact Key Bank to resolve this issue but the outcome is unknown. A Key Bank agent from XXXX OH called me a week ago to tell me a Regulator would be contacting me as I filed a complaint with Key Bank but I havent heard from them. Key Bank is negligent, I believe in this matter and I am filing a formal complaint.
Consumer complaint received 2022-01-24
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. (CA)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. The credit bureaus failed to do a proper investigation and just stated the accounts were verified, I'm not sure how this process works but I would like someone to look further into this matter.
Consumer complaint received 2022-09-23
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. (OH)

All 3 credit reporting agencies are reporting information inaccurately, this is information was never verified by me as the individual or the source in which they have listed on the report. Therefore this is unfair reporting and a violation of my rights to privacy according to the Fair credit reporting act and the privacy act of XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NY)

Hello, My name is XXXX XXXX. Over the weekend of XXXX/2022, My phone was stolen when I went to a party and my account was drained via multiple cash sending apps such as XXXX and XXXX XXXX. I called and disputed all of this, after 9 days I got a letter saying it was declined because I logged into the app on the XXXX and XXXX. This is because my money was taken on the XXXX. Wells Fargo has allowed someone to steal my money and is not returning it. I want this fixed, I have hired a lawyer and am now coming to you guys for help. Please help me get my money back.
Consumer complaint received 2022-09-27
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. (TX)

In accordance with the fair credit Reporting act XXXX Account # 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 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 2022-11-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA (OH)

Apple, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is not a personal problem that affects just me. This is affecting every consumer in our country. You have to fight & make several phone calls to get to your free annual credit report or even if you're denied credit. All 3 of these agencies direct you totally to their " pay for sites ''. This is a scam & is directed totally to people of low income or seniors. People with high incomes & other means of income do not rely on these so called credit companies. I also realize my complaint will be tossed & never addressed before I die.
Consumer complaint received 2022-09-27
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2022-10-11
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. (NC)

This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any ITEMS which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following items deleted as soon as possible : XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5300.00}.
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2019 I filed a dispute with Citibank about a charge made on my account for {$130.00} for XXXX. they said they would send me a letter to fill out and to return it so they can issue me a provisional credit. I submitted the letter in XX/XX/XXXX and they have yet to issue me any credit towards my account. Every time I call they say they have to extend the timeframe which is clearly a violation of regulation E.
Consumer complaint received 2022-09-27
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)

Since XXXXXXXX XXXX XXXX, I have put in many requests for investigative consumer report due to inaccuracies noticed on all XXXX of my credit reports. 15 USC 1681 section 603 ( 3 ) ( E ) States ; " Investigative 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 informations. 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 of times, I have tried doing investigative reports. 
The credit Bureaus violated my given rights under 15 USC 1681 It States that : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also, 15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agency can not furnish 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. 

Account Name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX Account number : XXXX
Consumer complaint received 2022-10-11
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: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2021-04-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (FL)

I deposited {$6700.00} into Coinbase between XX/XX/XXXX to XX/XX/XXXX. 

Then I went to log into my account 01-2021 and my account shows I have a {$0.00} balance. 

In my Coinbase account there is a transaction report, clearly showing I only deposited money. Nothing has been withdrawn, however coinbase just took the money. 

I have tried to contact them multiple times with no resolve. 

They did finally reply to one inquiry and they gave me instructions on how to run a report?!?!

I am getting nowhere with them, they never respond, if they do respond it doesn't even address the main issue of the ticket.

All I want is my investment back into my Coinbase account, there is clear proof that funds have never been withdrawn from my account. Only deposited into coinbase and now they have made those funds unavailable. 

I am very concerned this is a wide spread practice of theirs, affecting 1,000 's of their customers. 

I just can't believe a US based company can take people 's money like that and don't have to answer to anyone. 

Again, all I want is my money back. 

Thank you for your time with this matter. 

XXXX XXXX
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Since my identity been compromised I found many unauthorized inquiries reporting on my report, the following inquiries are 1. XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX ( XX/XX/XXXX ) 3. XXXX  ( XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX  ( XX/XX/XXXX ) 6. XXXX  ( XX/XX/XXXX ) And I would like these inquiries removed immediately, or provide me with physical documentation.
Consumer complaint received 2022-07-14
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: TRANSWORLD SYSTEMS INC (NY)

Collection agencies had ignored the disputes, and the gas bill for {$1000.00} was from the other apartment not mine, the credit bureaus ignored me after i have been disputing it for months, they have ruined my credit specially in this economy and now i can not get anything with that bill that's not even mine so they have damaged my reputation in paper. 
Please hope you can help me with this because it is effecting me more so with all that we have all been through with the pandemic.