davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (FL)

My concern was, I was being charge for overdraft fees & fees because there was a delay in transactions being processed when paying my bills. I will continuously call the bank dispute, overdraft fees, which was draining my account, causing my bills to be delayed. The bank will credit some but still charge me overdraft fee. I eventually left that bank and went to XXXX XXXX XXXXXXXX.
Consumer complaint received 2023-05-25
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  a charge of {$350.00} was charged to my card. I was told by the merchant that this charge was a declined transaction, and was not processed. I have been disputing this since I saw it on my account, and asking for proof of signature or any receipt from the transaction. I have sent multiple documents to the company to get this removed. Neither the merchant nor the company have given me any proof of the debt, and this transaction was not made by me.Therefore, it needs to be removed immediately from my account.
Consumer complaint received 2023-06-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

On XXXX XXXX XXXX has conducted the payment in the amount of XXXX XXXX from my account with XXXX to account of GO HIGHER INTERNATIONAL TRADE ( XXXX ) XXXX XXXX  opened with SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, my payment was blocked by intermediary bank on XXXX. On XXXX I applied to XXXX for a license to unblock my funds. On XXXX I have received license XXXX XXXX authorizing JP Morgan Chase Bank XXXX XXXX the funds to the originator. We tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank XXXX XXXX on the fact of issuance of the above mentioned license and asking them to return the funds to our account in non-sanctioned bank. Still, JP Morgan Chase Bank has not responded. Thus, we can not receive our money even having the license authorizing it.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2022-07-29
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: DISCOVER BANK (MN)

I overpaid my credit card balance by {$15000.00}. I had made an electronic payment through my XXXX XXXX bill pay service to Discover Card on XX/XX/XXXX. I noticed the over payment within a day. However, XXXX XXXX would not stop the payment. I notified Discover the same day. 21 days and several conversations later, Discover will not electronically reimburse my account. They will send a paper check in another 2 weeks. 
They have will have wrongfully retained my funds for 1 month.
Consumer complaint received 2023-04-20
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. (NJ)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$8100.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXXXXXX Balance : {$540.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$850.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-27
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: ID Analytics, Inc. (OK)

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (LA)

Gentlemen, Wells Fargo has been pursuing a Wrongful foreclosure action against me since XX/XX/XXXX. Wells Fargo continues to refuse to respond to my complaint. On two occasions Wells Fargo denied it was the appropriate company to this complaint. After providing corroboration documents of the truth of the matters asserted, Wells Fargo finally admitted the case was in litigation and it could not respond to me directly because of this. Litigation has nothing to do with Wells Fargo 's failure to respond to this complaint. Wells Fargo will not respond because it knows that it has Wrongfully filed a Foreclosure proceeding against me back on XX/XX/XXXX, and continues to do so. I am asking the CFPB request Wells Fargo answer my complaint accordingly. I am attaching the 5th Circuit Court of Appeals ruling Dated XX/XX/XXXX which found that Wells Fargo FAILED to provide evidence that it is a party to enforce the Note and Mortgage at issue. I am attaching the Pooling and Servicing Agreement where it clearly states on page 33 of the Prospectus that the Trustee ( WELLS FARGO ) " MAY NOT '' BE ABLE TO ENFORCE THE MORTGAGE NOTE AGAINST THE RELATED BORROWER. Wells Fargo has failed to comply with the pooling and servicing agreement in which it must adhere to.
Consumer complaint received 2023-04-20
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DEPT OF EDUCATIONXXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX : {$47000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( I Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2023-04-20
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: EQUIFAX, INC. (FL)

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries. These were not obtained with my consent. On XXXX XXXX  reached out to the credit bureaus to validate these inquires and I have not received any proof of validation. I requested that documentation be mailed showing where I authorized these inquiries, a agreement with my handwritten signature. Here are previous dispute ID numbers. 
XXXX XXXX XXXX XXXX Where I have requested validation documentation
Consumer complaint received 2022-11-14
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Hello Digit, LLC (NY)

I am a customer with Digit/HelloDigit, the savings application. On XX/XX/XXXX, I had a little over XXXX in my account ( between a couple of goals set ). This money was earmarked for a medical expense, for which a deposit must be paid by this Friday. On Saturday, I checked to ensure the money was there, and over XXXX of the funds were gone. I have attempted to contact Digit numerous times through email ( they do not have a customer service number ) and have heard nothing back. In addition, they did not reach out to me when this occurred.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (IL)

On XX/XX/2022, my wife and I transferred {$100000.00} from my wife 's checking account at XXXX XXXX  to our joint savings account at XXXX ( Webster Bank ). The money left my wife 's XXXX checking account on XX/XX/2022. 

The transfer didn't go through because we used my online profile with XXXX instead of hers ( she has no online profile with XXXX ). For security reasons, our savings account at XXXX was put on hold and our external transfer capability was suspended. 

We send XXXX the documents they required, i.e. our diver 's licenses as well as the most recent statement of my wife 's XXXX checking account. Our account was reinstated as well as our external transfer capability. 

However, as of XX/XX/2022, our money has not yet been returned to my wife 's XXXX checking account. And it is not in our account at XXXX. 

We have been in contact with XXXX multiple times over the phone ( ~ 6-8 times ) and via XXXX 's online message system ( online account ). They are not being helpful. 

On the transfer page, the transfer is not marked as " declined '', " rejected '', " canceled '', or " failed ''. It is marked as " manual '' ( whatever that means ). 

Among our many calls, I spoke with a representative at XXXX on XX/XX/2022. The gentleman I talked to said the transfer was started on XX/XX/2022. My wife contacted XXXX on XX/XX/XXXX, who confirmed that no letter of intent was received. 

We have been misled and lied to by XXXXWebster Bank for the past 2 weeks. Our money is nowhere to be found. 

By any reasonable standard, the situation is unacceptable. We believe XXXX is not following the regulation pertaining to funds availability. 

We need help.
Consumer complaint received 2024-09-25
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. (MI)

I have had my purse stolen. There was ATM Fraud as well as other Fraudulent activity, credit and charge cards opened fraudulently. Mt report is not accurate and incomplete. According to the fair credit reporting Agency, whenever a consumer reporting Agency prepares a consumer report it shall follow reasonable procedures that assures accuracy of the information concerning the individual whom the report relates to. 15 usc 1681 ( C ) ( B ) And According to 15 USC 1681I -5 they must do ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) delete any of the information disputed. Please see the police report # XXXX XXXX XXXX XXXX and attached FTC report XXXX 
Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
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)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-29
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. (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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (NY)

I tried to get a personal loan and was turned down but received a phone call from Lexington law and they told me that they could pull my credit and find out why I keep getting turned down. They said it would be XXXXXXXX XXXX  and change and I said forget it. They convinced me that they could help with that information and after some persuading I agreed but I didn't have any money in the bank and I told them to take it out on the first of XXXX. As soon as I gave them my credit card number they read me a list of things. One of them was that it would be a recurring charge for the credit report which they never told me. Then they said that I was enrolled in their program for XXXXXXXX XXXX a month even though I am already working with a credit repair agency which I told them. The conversation got a little heated and I told them that I didn't agree to anything and I didn't want them to pull my credit. He replied I already have your credit card number and made it clear that he was going to use it. I got very angry and said a few things on my mind and hung up on him. I immediately called my bank and found out that they had already tried twice to withdraw money from my account and it was a different amount and I had told him I didn't have the money in the bank and they tried anyway. So I changed my credit card number but I keep getting emails from them implying that I agreed to their service. I sent them a message but they continue to email me.
Consumer complaint received 2023-03-29
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. (IA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-06-04
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: DISCOVER BANK (FL)

Discover credit card. I asked for confirmation of debt and wanted all of the wet signatures. They sent me a statement. A statement is not a confirmation of debt. Then they said it was verified. So I asked it was verified by who, what name address phone number and title like a lawyer etc. They just told me it was verified. So I verified you as a incompetent XXXX. So I am going to send this case to arbitration and place a lien on ceo surety bond. They refused to accept my coupon for payment which is legal tender. The bill came saying XXXX XXXX ( XXXX ) not me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pay to order of : Discover credit card {$6000.00} and XX/XX/00 By : accommendation XXXX Irs : XXXX, Without recourse
Consumer complaint received 2022-11-14
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: Experian Information Solutions Inc. (TN)

Ive got hard inquiries on my credit report that I didnt have anything to do with. The first one out of many is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I also got some more that Im trying to get together. I just now check my credit because Im trying to get a loan to buy a house and this is the first time Ive checked my credit in more than 4 years. Can I get these and the other one taken off my hard inquiries on my credit?
Consumer complaint received 2022-07-13
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. (MI)

In accordance with the fair credit reporting act XXXX  accounts 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 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX