davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (GA)

I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX XXXX Bank in the amount of {$580.00} I have been informed by this company to contact Experian and XXXX regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account has also been sold to a collection agency The name of the collection company is XXXX XXXX and the collection amount is {$580.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.
Consumer complaint received 2022-07-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was the victim of a housing scam, in which I put down a security deposit through XXXX on an apartment that was revealed to be fake. Capital One, my bank, has refused to refund me despite acknowledging that this was a crime. 

On XX/XX/XXXX, My roommate and I found a listing on XXXX for an apartment in XXXX MA. My roommate emailed the real estate agent about the terms of the apartment, in which he requested the first two months rent as a security deposit ( {$5000.00} total, {$2500.00} per month ). He sent over an entire lease agreement, which my roommate signed and sent back. We looked up his name online and found his credentials verified with a real-estate company website. I sent over {$2500.00} by XXXX to the landlord of the apartment. My roommate did the same. We believed we had put down the security deposit for our new apartment in XXXX. 

On XX/XX/XXXX, my roommate called the real-estate agent in question via his phone number on the company website. The agent told us that the apartment we had rented was not one of his listings -- in fact, he hadn't been emailing us at all. Someone had stolen his identity, drafted a fake lease agreement, and swindled us into sending money for an apartment that didn't exist. 

We immediately called the XXXX police department and filed a report. I called Capital One to file a claim disputing the transaction, given that this was a crime for which I was a victim. On XX/XX/XXXX, they told me that my claim was denied. This was because I had sent the money through XXXX -- they could not recall the money already sent. Apparently, they had contacted the bank to which the money had been transferred, but that bank had also refused to refund the sum stolen from me. Capital One refused to issue me a refund for the money I had lost in the scam. 

This was a fraudulently induced person to person ( P2P ) transaction, and therefore it was unauthorized ( see new CFPB regulatory guidance ). Banks must repay consumers for payments they did not authorize, and yet both my bank, the scammer 's bank, and XXXX have refused to refund my money. They acknowledge this is a crime, yet they do nothing to protect the victims of it. I now do not have enough money in my bank account to put down another deposit on an apartment that I need. 

How can I get my money back? How can I hold Capital One and XXXX accountable?
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hello, My complaint is targeted toward Bank of America. I already have a claim # with the bank ( XXXX ), however, the claim is now closed. I am going to provide a detailed time-lapse of the events that took place : XX/XX/XXXX, between XXXX XXXX XXXX XXXX XXXX I visited ATM ID ( XXXX ) to deposit {$8000.00} in cash to my account ending in XXXX, the machine had an error, none of the money was successfully deposited, thus resulting in the lack of receipt, the cash was spat out by the machine in two separate waves, I was able to take the first XXXX, however, when I reached for the second XXXX, the cash went back into the machine. I called the number provided on the ATM machine immediately that day, however, the representative failed to open a claim despite verballing telling me that she did and for me to wait up to 90 days. On XX/XX/XXXX, seeing that I still havent gotten any response, I called once again, this time learning that the previous representative did not open the claim, I created the claim with this new representative and received XXXX credits while waiting for the investigation. On XX/XX/XXXX, I received the notification that my dispute failed and the bank is going to remove the credit. I called once again on XX/XX/XXXX but failed to reopen the claim. My family has always been excellent customers of the bank, and always maintained good credit. This is our last hope, I have XXXX  kids to take care of and {$4000.00} is a very large sum of money for me. I hope the CFPB can help us see this through.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This debt was sold to another agency, XXXX ( XXXX XXXXXXXX XXXX XXXX. This agency made no attempts to contact me regarding the debt. Instead, they placed a derogatory credit item on my credit report, even though the original loan was taken out over XXXX years ago. I have made several written requests to resolve this debt but have not received any response from the agency. I have also disputed the information with each credit reporting agency, XXXX, Trans Union, and XXXX. However, these agencies have failed to review the validity of adding a debt to my credit file even though the debt is almost XXXX XXXX XXXX at this point.
Consumer complaint received 2022-09-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

XXXX. XXXX XXXX  opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Per - 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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.
Consumer complaint received 2024-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (CA)

I recently discovered that I was a victim of identity theft, I found out that someone unknown to me somehow found my personal information and used it, and got credit cards from JPMCB, XXXX XXXX, XXXX XXXX. I contacted the credit bureaus immediately and told them about these accounts that are not mine and got instructed by them to open up a file on identitytheft.gov. XXXX  XXXX and XXXX  got removed. Only one we are having problems with is chase, we sent documents, and they have not responded, and it still shows as negative on my report.
Consumer complaint received 2024-12-13
Product: Credit 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: WELLS FARGO & COMPANY (OH)

XX/XX/XXXX Wells Fargo {$3600.00} the information isnt accurate on my account my information has been exposed because of this illegal and overdraft fees that has been place under my name this needs to be removed off my account immediately I cant get any information about the chargers Im a victim of identity theft XX/XX/XXXX.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Attempted to correct via dispute but bank does not respond correctly. They continue to report incorrect balance even though they were paid {$400.00} By another bank who confirmed they accepted payment when I refinanced months ago and even as they confirmed. They never reported the correct amount of {$400.00} to the credit bureaus and still had it posting wrong up until today when they charged it off using that incorrect amount. This effected a number of our financial transactions and lenders. Sadly they wrote it off well over a year ago as well and it went to attorney. Attempts to pay XXXX  cents were rejected and went no where with the bank or the attorney. Furthermorevtwo letters defining this situation to your office ( CFPB ) have gone unaswered with no response. If this can not be resolved ASAP I WILL BE FORCED TO seek legal ACTION AGAINST ALL THE PARTIES INVOLVED. RESPECTFULLY. Ps ss last 4. ( XXXX ). Posted here because after two years you still have NOTvrepaird the software issue in that it does NOT. Accept the numeric numbers. I wonder if your even capable or just do not give a XXXX?
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : Attached
Consumer complaint received 2023-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2022-09-19
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (VA)

I started a deferment on a mortgage with XXXX XXXX in XXXX of XXXX. I have been furloughed from my job from the beginning of the pandemic until XXXX of XXXX. The accepted the deferment. Once I was ready to get off the deferment I was approve for a modification of payment with the company because I had a VA loan. The moment I completed my 3 payments of XXXX the sold my loan to Midland Mortgage and the problems began. I filled out documents because they said I need to resubmit everything in XXXX of XXXX. In that month they have me denied by the VA to modify my loan. They say I must be current. They say on XX/XX/XXXX midland mortgage says no worries we have all the documents to resubmit your paperwork. They dont. I call back on the XXXX of XXXX. Nobody resubmits. Midland mortgage expresses dont worry we will resubmit, they give me I dont know what happened. I pay XXXX, XXXX and XXXX! And then the say they need to stop taking my payments because they started the foreclosure. I get a letter from the attorney saying you have 10 days to pay XXXX. Midland mortgage can not supply with with record that they resubmitted my request the additional 2 times that they said they would. My credit score is to the point where I can not get a loan for the money nor do I have enough time to apply for assistance. The reviews for Midland Mortgage are mostly just like my complaint.
Consumer complaint received 2022-09-19
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: Atlanticus Services Corporation (NC)

Refer to case # : XXXX. This has NOT been resolved. Against my better judgement I made payment ... what choice do I have? credit is taken a hit thanks to this infuriating company. Again NO RESOLUTION HAS BEEN OFFERED OR ATTEMPTED other than form emails I have been receiving from the beginning. I have explained the situation MULTIPLE TIMES Even attached screen shots also describing this issue in complete detail each time. How is there to be a resolution if the company responds to my emails each time as if it was the first time I've reached out/explained this situation?
Consumer complaint received 2022-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC. (MO)

XXXX*THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** This complaint is in regard to complaint ID # XXXX. The company stated that they would respond within 45 days however that has not happened. My reputation is still being damage by this alleged debt and my rights are continuing to be violated. I am aware I have rights which are federal protected against fraudulent debt collectors like CITIZENS BANK and I allege that CITIZENS BANK has failed to follow the law and has become a device and mechanism for deceptive and misleading practices becoming damages and injury to my reputation and defamation of my name. 
XXXXTHIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE*** ***THIS IS NOT A DUPLICATE***
Consumer complaint received 2022-09-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022 I went to XXXX XXXX Wells Fargo on XXXX XXXX and attempted to withdraw money from a drive-thru ATM. The ATM machine door ( the part where you take the money from ) opened but no money was actually dispensed. I tried 2 more times at the same exact ATM machine but the same thing happened. I then went inside the branch to withdraw money. I used an ATM machine and the same thing happened. Finally I attempted one last time and it worked and I was able to withdraw {$50.00} dollars. Later that night I checked my banking account and saw that there was a {$700.00} dollars ATM withdrawl but I never received the money. I called my bank and filed a claim. The claim was rejected today. I believe that the ATM machine is at fault because the ATM door opened but no money was dispense and somehow I was charged {$700.00}. I also received multiple emails that stated my card was rejected due to incorrect PIN but that is not the case as I was able to operate the ATM machine just fine. At that time I believe this was a fraudulent as I received multiple emails and money did not disperse. I am looking to get my {$700.00} back.
Consumer complaint received 2022-09-19
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 — Their investigation did not fix an error on your report
Company: Selene Holdings LLC (FL)

Selene Finance has been reporting that my payments are not being sent on time. I have made several attempts to clear this with Selene with not help from them. I have record of all my payments and the 3 extra payments made so I can stay ahead of the game. I am in the middle of loan and this has held me up with my company financing. I have proof of every payment and when the checks are cashed. They are sitting on checks and allowing clients to fall behind and trying to collect late fees in a already crazy time.
Consumer complaint received 2023-12-26
Product: Credit 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: WELLS FARGO & COMPANY (MN)

During our investigation an XXXX employee ( Grant ) reported to us he could see that someone used an " XXXX sounding name '' with the initials XXXX to open up an XXXX XXXX account and use our credit card to purchase items during XXXX and XX/XX/XXXX ranging in price from {$120.00} to {$150.00}. He said that Wells Fargo should have been able to see the same information he could see within about ten minutes, or call XXXX to verify that the charges were not correctly authorized and were not made by us. He was surprised that WF had not done that already since we talked to him on XX/XX/XXXX and we had informed WF of the fraud on XX/XX/XXXX and WF had already denied our claims twice : on XX/XX/XXXX ( received XXXX ) and XX/XX/XXXX ( received XX/XX/XXXX ). Overall they charged about {$2400.00} on our card. 
We reported the fraud as soon as we recognized it, within days, we reviewed our statements going back for other fraud, we filed a police report, we talked with XXXX, we faxed additional information to WF, we set up fraud alerts on the credit agencies and reviewed our credit statements. We did all of this between XX/XX/XXXX and XX/XX/XXXX. In response Well Fargo has sent us the same message : " the charges appear to be valid and authorized by you '' even though we have proven to them ( which is not required by law ) that the charges are obviously invalid and not authorized by us. 
WF has denied our claim three times that the charges were fraudulent even though : an XXXX employee was able to identify the name used to authorize the charges was not our name and the address used to authorize the charges was not our address ; I have asked WF to provide all of the evidence they have used to say we authorized the charges twice and they have refused to proved that evidence ; WF have not admitted to working with XXXX or XXXX or law enforcement on this issue ; WF has not reported to us the address or name used to authorize the purchase or the exact items purchased or the shipping address the items were shipped to ; the law states that it is WF responsibility to prove that we have authorized the charges but they have refused to do so by choosing to blame their customer and are in violation of the law. 
Every time I've reported the fraud, Wells Fargo has only responded by letter saying something like " the charges are valid and appear to be authorized by you. '' They provide no rationale or reasoning for that opinion. The facts are those charges are not authorized by us and Wells Fargo has responded to their failure to notice and stop the fraudulent activity by violating the law and stealing from me, a customer of Wells Fargo since XXXX.
Consumer complaint received 2022-12-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (NJ)

Spring Oaks Capital LLC has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Kikoff Inc. (FL)

I pulled my credit report earlier this year, and notice XXXX was on my credit report, did research to find out how, why, even reported to my local police department, thinking someone was during some fraudulent activities on my credit. But, I was informed there's not much they can do. I have filled out a fraud report with XXXX, and they are trying still to make me pay for a service I have no knowledge of. I have called, contacted and tried to report FRAUD to this company, this is NOT MY ACCOUNT. I have filed a complaint with the XXXX  # XXXX in regards to reporting incorrect information. Please remove from my Credit Report.