davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2022, I was the victim of a scam which started by me replying to an email which was fraudulent. 

I ended up sending a wire transfer of {$97000.00} from my branch bank at Wells Fargo to XXXX in New York. The actual recipient of the transfer was in XXXX. He was an XXXX Account XXXX XXXX XXXX XXXX XXXX 

My complaint is how Wells Fargo has handled this whole thing. Within 30 to 45 minutes after I was at my bank authorizing the wire transfer, I realized I had been scammed. I called Wells Fargo Bank Fraud Department and reported what had happened and told them not to send the money -- that it was a scam. At that point in time, they couldn't tell me if the money had been sent. Part of the scam was that the scammer had access to viewing my screen and getting into my bank accounts. He transferred money from one of my accounts to another in order to cover the wire transfer. I did not know he was seeing my online banking and I did not give him authorization to transfer money from one account to another. 

Since then I have contacted W F B XXXX Department several times, have gone into the bank. I have not been given any correct information about when the wire transfer was actually sent ( date and time. ) I'm not sure what you can do, but friends recommended I make a complaint with you. 

Thank you. 
XXXX
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-11-16
Product: Credit reporting 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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  / XXXX  XXXX Date : XX/XX/XXXX I previously filed a formal complaint with the Federal Trade Commission XXXX FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : XXXX. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements. 
XXXX. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted. 
XXXX. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
XXXX. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized. 
XXXX. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's XXXX XXXX 
XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (CA)

CBE Group is reporting a collection account and I have never done business nor signed any agreement with CBE Group. They are falsely reporting a collection on my credit report. 


15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
Consumer complaint received 2022-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX at XXXX, I was notified by text of a declined charge at XXXX XXXX of {$2400.00}. He was asked if this was him. At XXXX I responded " No. '' No response was given from Chase so on XX/XX/XXXX at XXXX, I responded " NO '' again and this time I was notified that my card would be cancelled and a new card would be issued. An image of these text messages have been shared with the Chase Fraud team. I did not purchase this item and it's clearly a fraudulent charge.

Having been a Chase member for over 10 years, I have spent hours on the phone with the Fraud team and have been told that they will not reverse this charge. I received an email from XXXX XXXX stating that this purchase occurred in XXXX, CA and was picked up in person. XXXX XXXX has not produced any video evidence or my signature picking up this product. In fact, I have never been to this store. 

I have had a good experience with Chase bank over the years and am high net worth individual as evidenced by my bank accounts and the 3 credit cards I currently hold with chase. 

As mentioned, chase has not provided an proof ( signatures, video, or any evidence at all ) that I actually made this purchase. They have gone to their highest level appeal and have declared this is a legitimate charge and I need to pay.
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (CA)

Received a collection letter in the mail on XX/XX/2022 saying I owed {$2400.00} on an XXXX XXXX account for XXXX furniture with XXXX  bank. I did not open this account and was not aware of the account being opened. I contacted the fraud department at XXXX bank to find out what was going on. I reported it with the bank and took the initial steps to help me with this problem. I started a fraud file number with them and the number is- XXXX.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2022-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, Transunion ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2022-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (MO)

This loan was purchased by aidvantage from XXXX, not only is the information in their system completely wrong, but these loans were in an income based repayment plan that would have the remainder discharged after making a set number of on time payments every single month for YEARS. Now that this company has the loans they have changed it to a graduated repayment plan and can not provide ANY documentation on this change. This was not authorized, or known to me. They changed the repayment plan and can not show me proof of my enrollment in this program.These loans also were to be discharged per the XXXX  lawsuit, as they met all criteria but now Aidvantage bought them? As well, there was absolutely no accommodations made for my time in XXXX XXXX or while XXXX. The loans ( for some reason they are split into 3 ) continued to accrue interest while i was XXXX, and even reported late month after month while i was XXXX  in a XXXX XXXX. The balance they are reporting is several thousands of dollars higher than the balance actually is, and continues to increase despite monthly payments being made. 
The plan i have had my loans on for years would have qualified my loans for discharge under the latest biden administration act, but now that aidvantage has taken it upon themselves to alter my payment plans they no longer qualify for discharge BECAUSE OF THIS. 
We have had to retain an attorney because we have gotten nowhere with this company. 2 hours on the phone yesterday with a representative that had no idea how to answer the most basic of questions, and then hung up on when i was being " transferred '' to the military department. My information is wrong in their accounts, my name is wrong, the balance is wrong, the payment history is wrong, the payment terms are wrong, and there is nobody to help me.
Consumer complaint received 2021-10-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (GA)

I was attempting to do a loan modification with PLANET HOME LENDING , LLC on XXXX XXXX they mailed a letter stating that they received my workout package although the was dated XXXX it was not received until XXXX. I called and they informed that would not be completing the process with me. They sold the loan to XXXX and they would be continuing the loan modification with me, but instead the where in the foreclosure process at same time. I advised both XXXX and planet homes that this was unlawful. I am victim of XXXX XXXXg.
Consumer complaint received 2024-12-12
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP (MI)

This is a follow-up to CFPB complaint # [ XXXX ] which failed to achieve resolution. 

Timeline of Issues : XX/XX/XXXX : Initially received HELOC card Card stopped working unexpectedly Following bank 's instructions, shredded card when promised replacement Multiple promises of replacement cards never fulfilled XXXX check transactions documented ( XX/XX/XXXX and XX/XX/XXXX ) due to lack of card access Bank 's Own Response Confirms Issues : Multiple documented calls XXXX XXXX about card problems Pattern of cards 'opened ' in system but never received : Card ending in XXXX and XXXX were opened/closed Card ending in XXXX was opened XX/XX/XXXX and closed in XX/XX/XXXX Card ending in XXXX was opened XX/XX/XXXX and closed in XX/XX/XXXX Card ending in XXXX was opened XX/XX/XXXX No tracking numbers or delivery confirmation ever provided No cards actually received despite system showing 'opened ' status The bank 's response cites alternative access methods that are impractical or unavailable : Credit Card Access : Referenced as an option but no working card provided.

Branch/ATM Access : No U.S. Bank branches or ATMs in my area. Nearest location unreasonably distant.

Online Banking : Can not make purchases directly via online banking. 
Special Checks : Only remaining option, impractical and, not accepted by many merchants. 

Financial Impact : Paying interest while having restricted access Limited to checks when card access was promised Negative credit reporting from XXXX XXXX Interest charges continue during documented access problems Unable to use HELOC as intended due to access restrictions Previous Resolution Attempt Failed : Bank acknowledged XXXX about card issues Provided only generic phone numbers No resolution offered No compensation for service failures No correction of credit reporting No proof of card deliveries Requesting : Remove negative credit reporting during access issues Refund interest charged during restricted access Either provide guaranteed card delivery with tracking or allow account closure with interest refund Compensation for documented service failures Full transaction history showing card usage gaps
Consumer complaint received 2022-08-22
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX, I submitted a complaint on three credit bureaus reporting wrong information on my credit report. The companies responded that some information is accurate and took no actions on my credit report. I asked for a full investigation AND proof that the companies that are reporting negative items on my credit report by providing contracts signed by me with the companies that are reporting on my credit report. There was no proof provided, therefore I request that all the companies that are reporting negative items on my credit report that are in my original complaint be removed from my credit report. 

Companies XXXX XXXX XXXX XXXXXX/XX/XXXX - {$790.00} XXXX XXXX XXXX XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX XXXX - {$810.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$810.00} XXXX XXXX XXXX  - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1200.00} XXXX and XXXX - XXXX XXXX - {$2400.00} XXXX XXXX- XX/XX/XXXX - {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX XX/XX/XXXX {$9800.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$5300.00} XXXX XXXX XXXX- XX/XX/XXXX - {$720.00}
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Over a month ago I submitted CFPB complaint # XXXX and the response by TransUnion was useless and a complete lie. I again attempted to log into my paid credit monitoring service with TransUnion and I was still blocked. I have since contacted TU customer service and they removed the block again -- for the fifth time -- and for now I can log in. 

However, even after logging in, TU will not provide a daily update to my credit report. Every time I attempt to update my credit report via the TransUnion Credit Monitoring portal, I click on the box stating " I agree & confirm '' to the account terms and then click on " Continue ''. A small star-shaped circle revolves and it revolves for up to XXXX an hour and my credit report is never provided. 

I pay TransUnion for this service and they defraud me by not providing the service for which I paid. 

However, if I pay them an extra approximately {$30.00} each time, they will immediately provide a 3-bureau credit report. So in order to update my TransUnion credit report every day as provided under the terms of my paid credit monitoring, I am really forced to pay TransUnion {$900.00} every month since they defraud me of the ability to refresh my TransUnion report -- per the terms of my {$14.00} paid credit monitoring service -- any other way. 

When I call TransUnion customer service, I only get their overseas representatives who struggle to properly understand rudimentary English. They have given me several excuses why I am having problems ranging from connecting via a VPN to connecting via an overseas IP address. 

Since I am currently stationed overseas, it is impossible for me to NOT connect via an overseas IP address. Failing that, I would have to use a VPN. It seems that TransUnion has thrown over XXXX US service members and their dependents stationed overseas under the bus, bit still collet {$14.00} from them for paid credit monitoring.
Consumer complaint received 2024-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (PA)

I requested a debt verification letter from this company, and they have ignored the request for this letter and continued to call me. I also do not believe that it is fair to be attempting to collect this debt at all. I have contacted Paypal numerous times trying to pay this balance, and they told me I did not have a balance owed. I only found out otherwise when receiving a letter from a debt collector.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I submitted a complaint to these Bureaus a month ago, yet the erroneous information on my report persists. I have not received any updates from the Bureaus, apart from your notification indicating that the company has addressed my complaint. How can I be assured that they have conducted a thorough investigation into the inaccuracies on my report? What procedures were utilized to verify the accounts? This entire situation is exceedingly frustrating. Over 30 days have passed since I lodged my complaint, and the disputed accounts remain unchanged. If this issue is not resolved, I will be compelled to pursue legal action due to the significant stress it has caused me. Additionally, I am worried about the security of my personal information, which has been compromised by the XXXX, Experian, and XXXX data breach.