davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: VALLEY NATIONAL BANCORP (NJ)

I have encountered a distressing situation in which I fell victim to a fraudulent scheme, resulting in a financial loss of {$1700.00}. The scammer deceitfully obtained these funds from me. In an effort to address this issue, I initiated a dispute with Valley National Bank 's XXXX division. Regrettably, despite the passage of time, no action has been taken to investigate or rectify this matter. 

My initial claim was submitted in XXXX of 2023, and for XXXX months, there was no communication or progress. Faced with this silence, I took the initiative to contact customer service in XXXX. During this interaction, they requested that I provide evidence to substantiate my claim. Accordingly, I forwarded documentation comprising a filed police report and a comprehensive XXXX  document detailing the email correspondence that outlines how the fraudulent activity transpired. 

Despite my persistent efforts to follow up every two months, I have received no further communication or resolution. This prolonged delay and apparent lack of urgency have left me feeling as though my case is not being treated with the seriousness it warrants. I remain hopeful for a timely and equitable resolution to this matter.
Consumer complaint received 2023-11-09
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. (MI)

I am writing to express my extreme dissatisfaction and concern regarding the egregious mishandling of my identity theft case by Transunion, XXXX, and XXXX. It has come to my attention that, despite being a victim of identity theft, each bureau have erroneously reported fraudulent addresses on my credit report, causing significant harm to my character and financial standing. 

This blatant oversight not only demonstrates a shocking lack of attention to detail but also suggests a complete disregard for the gravity of identity theft and its aftermath. The impact of these inaccuracies extends far beyond mere inconvenience ; it has tarnished my reputation and subjected me to undue financial and emotional distress. 

I expected, at the very least, a meticulous and responsible approach to rectifying the aftermath of identity theft. Instead, your bureau 's actions have exacerbated the damage, leaving me to question the competence and integrity of your organization. 

I demand an immediate and thorough investigation into this matter, along with the prompt correction of the inaccuracies on my credit report. Additionally, I insist on a detailed explanation of the steps your bureau will take to rectify the harm caused to my character and creditworthiness. 

Failure to address this matter promptly and adequately will leave me with no choice but to explore legal avenues and escalate this issue through relevant consumer protection channels. 

I trust that you will treat this matter with the urgency and seriousness it deserves. 

Sincerely,
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been unemployed for XXXX  months now. I am starting to miss payments on my credit accounts as a result. Potential employers often pull a credit report to see if they want to hire me. I need a job so I can make my credit account payments, but they decline to hire me because I have missed payments. It is a Catch XXXX!!!
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: FISERV INC. (AZ)

Today, XXXX I attempted.to write a check to XXXX XXXX in XXXX, Az. I had cancelled my debit card and a new one is in the mail. I have had the same bank for years and never bounce payments. 
The transaction was declined. I was so humiliated. I thought their has to be a mistake. I had my ID. I called the number that was handed to me. After putting in all these numbers it said fraud indicators. I spike to a rep and verified everything. It did no good. Why do rhey ask for personal information and then tell you that you have no credit with THEM? I didnt even know who they were until this happened. My check was good! They should never ask for personal information when they know it won't help the situation.
Consumer complaint received 2023-11-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP (WI)

I was told by a variety of people that the accounts would be closed but I had to pay for overdrafts generated by the accounts. 
According the their ( USBANK ) that the accounts would be closed and an investigation will be started. 
Jump ahead two months later, the accounts are still open. Again I informed the fraud department that the accounts are still open then I was told that I am responsible for the overdraft fees. The fraud department has suspended my accounts and my password. 
I can not have access to my accounts and I can't get anyone to assist me. Their ( USBank ) fraud department has locked me out and has it that I owe them money now for non payment of my mortgage. 
I feel USBank is trying to get money out of me because I reported these fraudulent accounts and I am fighting to get them closed.
Consumer complaint received 2023-11-09
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. (FL)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-11-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX agreed to delete a debt off my credit report due to natural disaster of XXXX XXXX XXXX / lockdown I was dealing with a financial hardship and a incorrect balance amount on my credit report.So TransUnion removed it and replaced it on my credit report Under a different name so for the past 4 years I have been disputing this on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to remove the item so now Im looking for legal assistance and filing an complaint this goes against fair crediting and they are breaking the law
Consumer complaint received 2024-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY (NY)

On XX/XX/XXXXXXXX  {$2000.00} and XX/XX/XXXX {$1700.00} totaling to {$3700.00} for hotel accommodations which were not fulfilled by the resort and business failed to provide room and accommodations paid for. They neglected our requests for refund after not supplementing a habitable alternative for our family - A flooded and hazardous room. The business only insulted us by asking us to take 2 nights in future stay voucher credits which does not cover our 6 night loss exceeding {$3700.00}. This is unacceptable. We contacted AMEX to open a dispute and chargeback under goods/services not provided, which in our case was the hotel room. AMEX rewards checking keeps denying our claim and not looking at our evidence and the business 's neglect and failure to provide what was paid for use of our AMEX Rewards Checking Account debit card. Regarding this matter, the agent/hotel here breached its agreement to provide suitable and habitable premises. The reiterate the room that was given was plagued with damaged plumbing, resulting in flooding for the purchase and not occupy-able. As an American Express customer, I have a right to a refund-chargeback and not only a two night credit which the agent/hotel felt was generous for a 6 night loss.. We have provided all facts and proof of neglect and resort unable to fulfill its obligation for our reservation. 

AMEX dispute case # Account Ending : XXXX Reference Number : XXXX for {$1700.00} and XXXX for {$2000.00}
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (NC)

I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Consumer complaint received 2023-11-09
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (NJ)

I make my monthly payment, i had one payment return due to double payment which i gave them a heads up about. They acknowledge the error and advised they will make note of it. Ever since that payment they have ever payment from debit card, ach, and cash on float, I understand ACH due to the nature of ach payment. Debit cards payments are real time payments applied immediately into Citi Banks possession. They recieved one this past month and wouldnt clear untill i made it a point. I have had several team members from exectuive team and managment always giving me bad information. I ask how long floats last for they advised me " whenever the system wants to. '' To hear that is a insult to my intelligene espically when i worked in the banking industry. Im constantley mislead. They want to call my bank on three way to see if funds cleared when ach team should be doing that. That representive isnt privileged to hear my full social security number and full bank details,
Consumer complaint received 2023-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions. 

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected.

3. 15 USCS 1666b This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report. 

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-11-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (UT)

I was foreclosed on by Wells Fargo in XX/XX/2014, they were unwilling to work with me, I was as a single mom, with XXXX kids, and couldn't make my payments. I understand there is a lawsuit regarding this with Wells Fargo.
Consumer complaint received 2023-11-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY (NC)

I have been in touch repeatedly with TD Auto Finance in an effort to take over my sister 's loan and obtain title to her vehicle so that I can sell it to the dealer. 
My sister passed away on XX/XX/2023 and left her car at the dealership. It's been sitting there ever since. They are interested in buying the car but require that it be titled in my name and are threatening to have the car towed and impounded. 

Once I obtained a death certificate ( XXXX  months after my sister 's passing ), I submitted it to TD Auto Finance and began discussions with them. They alleged that they would send me documents for a Transfer of Equity, so I can take over the loan and title, but nothing arrived. They have repeatedly promised and nothing happens. 

I've been talking with XXXX XXXX XXXX at TD Auto Finance. The number I have for his office is XXXX. 

I am distraught over the loss of my sister and further upset by how hard it's been to deal with her affairs. I could really use some help but don't know who to appeal to. I would greatly appreciate any assistance that the CFPB could provide me in this situation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NC)

I applied for a job online and got sent over to XXXX where I got into a job called sears and began working on a site called XXXX. An agent on XXXX explained how everything works and the first few days seemed easy I didnt have to spend any money, instead I was making it. Im in the XXXX, Im a XXXX  I was looking at a new way to earn some extra income, at least online because I dont have any sort of transportation to go and get another job. About the XXXX day I had to blow about {$1800.00} and I let myself get scammed into paying money. The agent said if the product order that we send reviews on is more than the commission for the product then your account will go negative. My account for XXXX is now - $ XXXX and they expect me to break even with that negative number to be able to finish the final product review to where they will let me withdraw more than $ XXXX. Like I said I let myself get scammed I dont have the money to pay that negative number and I wan na find a way to hopefully get my money back but idk what to do so I need help!
Consumer complaint received 2023-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

Received notice from IRS CP2000 of taxes due on Cancellation of Debt. Today, XX/XX/XXXX, I contacted Portfolio Recovery Associates LLC to discuss a {$15000.00} Cancellation of debt that is noted on the CP2000 form. Information obtained from Portfolio Recovery Associates noted that the debt was a " XXXX XXXX '' from XXXX XXXX  for a cosmetic procedure performed on XX/XX/XXXX at XXXX  XXXX and XXXX in XXXX XXXX Michigan. It was also noted that the address listed for me at that time was XXXX XXXX XXXX IL. I have never had XXXX  XXXX. I have never been to Michigan. I have visited XXXX once in XXXX. I have never lived in any other state other than North Carolina. I have lived at my current address in North Carolina since XXXX. I have never signed for another individual for any XXXX XXXX. I have been employed by the same company as a XXXX XXXX since XX/XX/XXXX. 

The ACCOUNT # for reference is XXXX. 

I ran a credit report and noted that there are 2 addresses on this report that I have NEVER lived at ; and both of those addresses are from the state of Illinois.
Consumer complaint received 2023-11-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY (MD)

Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XX/XX/XXXX & XXXX after opening acct on XX/XX/XXXX with a {$25.00} deposit. 
Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation XXXX XXXX XXXXXXXX on XX/XX/XXXX told would receive update in XXXX business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given XXXX XXXX XXXXXXXX on XXXX, its been 7 days and I still have no update.
Consumer complaint received 2023-11-09
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: EQUIFAX, INC. (CO)

My name is XXXX XXXX. I retired from the XXXX at exactly the same time that the economy crashed back in 2009, and I literally lost everything. My house, separate land, my stock portfolio, all of it gone and I've been renting ever since. 

Also, my credit score has been subprime since then. It's like it wasn't enough for me to lose everything, I need to be constantly reminded by my poor credit score. 

I pay all my bills on time. Most of my utility bills are paid far in advance so that I have credit surpluses with those billers. I paid off every penny of my student loans. I pay my rent on time and have done so for the past 10 years. Spotless rental history, yet it does me no good. Do you see how unfair this credit system is to people who are not able to currently support a mortgage? I can't even get a mortgage because my credit score is so low. It's really, really frustrating and contacting the credit bureaus does no good. There is simply no mechanism to fix this issue, because technically they don't have to. 

I really don't know what else to do. I'm not usually supportive of government regulation, but in this case, something needs to be done about these credit bureaus that are spinning low scores to millions of Americans who do pay their bills on time. In the end, those low scores cost Americans millions due to higher interest they pay for any loans. Interest is already through the roof, please take some time to figure out a way to help me in this hopeless situation. This affects so many Americans, it should be a 'no-brainer '. Thank you for your time! 

Sincerely, XXXX XXXX