davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-26
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: Experian Information Solutions Inc. (IL)

For years I have disputed the existence of the inaccurate account on my credit file listed by XXXX XXXX XXXX. I am the victim of identity theft. I have corresponded with this company numerous times with no positive recourse. 

I NEVER had an account with this company.
Consumer complaint received 2018-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NJ)

Coinbase ( and its subsidiary XXXX ) have submitted a 1099-K showing an incorrect amount of gains to the IRS on my behalf. I have tried contacting them multiple times via their support email address and each time they have ignored the problem or otherwise not fixed it.
Consumer complaint received 2018-02-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Collection agency XXXX XXXX XXXX XXXX XXXX firms XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX has attempted to collect a debt and has listed said debt from XXXX refuse in the amount of XXXX $ with all 3 credit reporting agencies. Original date of debt/delinquency is over 9 years old and is being illegally re-aged. I have repeatedly written trans union and their investigation shows the report as accurate it may be accurate that the agency received the account in 2016 but the refuse to state the original date of debt so that it can be taken off my credit report.
Consumer complaint received 2018-02-26
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. (NC)

1 ) XXXX XXXX # XXXX For XXXX XX/XX/XXXX, I have not lived in that house in over six years. Had no balance when I moved. Anything accrued after XX/XX/XXXX was landlords ' responsibility. That property was a XXXX house. 

2 ) XXXX XXXX XXXX # XXXX For XXXX. This charge should have been removed in XXXX. I opened a PUC Case In XXXX which ruled in my favor. I moved from the state of PA XX/XX/XXXX. How in the world do they submit to the credit bureau a charge I was billed in error, which should have been adjusted a long time ago on my credit report in XXXX? 

3 ) XXXX XXXX XXXX for XXXX. # XXXX. Reported XX/XX/XXXX, for {$160.00}. 

Incorrect Billing my final bill was {$130.00} and they owed me an adjustment off of that amount for {$25.00} for charging me shipping of an emergency phone. I was told by a representative they would adjust the {$25.00} off the {$130.00} since I was told they were shipping it for free. To date, they have not adjusted the charge and have added additional fees. 

4 ) XXXX XXXX gave me a card for {$250.00} only. They claimed that the last payment was recieved in XX/XX/XXXX. According to my records the balance was paid in full by XX/XX/XXXX. I have not used that card in years. Please request a full detail of all payments I made from the time I received that card in XXXX. Where did {$420.00} come from many years later. 

5 ) XXXX XXXX  XXXX XXXX # XXXX. 
XXXX XXXX owed me {$300.00} For signing up first time customer and staying with them 90 days with all payments on time. I repeatedly called and request my credit which I was informed by several supervisors ; I have their names, dates I spoke with them and their I'd numbers that I would receive my credit. To date all that they gave me was {$110.00}. From my record they still owe me {$180.00}. These companies believe in cheating consumers out of their credit.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

For a savings account promotion, the bonus requirement is tiered like this : deposit 20,000+ dollars and maintain 60 days you get XXXX dollars credit ( deposit 5,000~XXXX for the same time, you get XXXX ; 10,000~XXXX, you get XXXX ; 20,000~XXXX, you get XXXX ; 50,000+, you get XXXX ). I met the bonus requirement and received their mailed congrats letter saying " Your {$100.00} bonus has been deposited ''. The correct amount should be {$200.00}, instead. 

I made several phone calls to escalate the issue and ask their preferred customer team and marketing team to research into this. They have checked my account and agreed with me over phone that I am eligible for the {$200.00}. They have created two case numbers : the newer is XXXX. 

The original reference number on the bottom of the letter they sent to me is : XXXX. 

I spent almost 3 hours in total talking to them over the phone. What surprised me is they just created a case and then no follow-up. Now I have to spend another half an hour to escalate on CFPB. 

There seems some glitch with their ( Bank of America 's ) bonus tracking system. We've seen many complaints about bonus not tracked correctly for their various promotions on CFPB. It's time for their IT team to fix this and save customers ' time.
Consumer complaint received 2018-01-31
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: Opportunity Financial, LLC (IL)

I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. XXXX is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to XXXX, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against XXXX  and against XXXX XXXX. I have also filed a CFPB complaint against XXXX. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my XXXX report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to XXXX   that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my XXXX credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.
Consumer complaint received 2018-01-30
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. (CA)

XXXX XXXX XXXX Amount XXXX Date XX/XX/2016, Says open Tryed to get item removed i have No recalculation of this company or sign any contracted with them
Consumer complaint received 2024-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo has denied my claim of unauthorized charges to my account. There are XXXX {$300.00} charges I did not authorize on XXXX. When I saw these charges appear pending on my account I immediately contacted Wells Fargo to investigate and to chargeback these XXXX charges to my account. I made Wells Fargo aware that these XXXX charges were unauthorized the preceded to cancel my debit card I made the aware that my debit card was compromised. Wells Fargo gave me a provisional credit in XXXX. I have been a loyal Wells Fargo customer for over XXXX and have never encountered this problem. On XX/XX/year> Wells Fargo reversed my credit. Wells Fargo needs to chargeback XXXX charges of {$300.00} for a total of {$600.00} that I never authorized on my account. Wells Fargo now has taken these charges out of my account on XX/XX/year> without my authorization.
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Violation of Fair Credit Reporting Act 623 ( a ) Responsibilities of furnishers of information to consumer reporting agencies/ ( a ) Duty of Furnishers of information to Provide Accurate information ( 1 )  Prohibition ( A ) Data furnishers are prohibited from reporting information with actual knowledge of errors ... ... 

After checking my credit reports, I noticed a 30 Day from Wells Fargo from the month of XX/XX/XXXX. 

1. On XX/XX/XXXX, I sent Wells Fargo a handwritten letter ( attached ), certified mail ( return receipt attached ), stating that I made several Credit card payments for the month of XX/XX/XXXX. I sent them two copies of proof of payment along with transaction ID numbers. 

2. On XX/XX/XXXX, I received a letter from XXXX stating they verified the account information as accurate ( attached ) 3. On XX/XX/XXXX, I received a letter from XXXX  stating they verified the account information as accurate ( attached ). 

4. On XX/XX/XXXX. I received a letter from Wells Fargo stating the information they supplied was correct. 

5. Therefore, on or about XX/XX/XXXX, I sent a notarized Affidavit ( attached ) to Wells Fargo with my Drivers license, certified mail ( return receipt attached ) stating that I made several payments to my credit card in XX/XX/XXXX and I was not 30 days late on my account. 

6. Additionally, I sent more notarized Affidavit, certified mail ( attached ), to XXXX and XXXX   asking for method of verification. 

To date, Wells Fargo has not corrected their obvious credit reporting error. 

I am supplying two proofs of payment for the month of XX/XX/XXXX and proof that the payments were debited from my checking account from Wells Fargo in XX/XX/XXXX.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I was a victim of XXXX XXXX and during this time my identity was compromised. The accounts listed below do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (GA)

Someone gained access to my bank account online by changing my password. According to the banks fraud department, they were able to change the online because they had my social security number and debit card number. Once they gained this access to my account, they changed my mobile phone number online and signed " me '' up for a peer to peer mobile payment app the bank offers. They attached this service to my savings account. They now controlled both ends of the transfer sending and receiving. They sent themselves {$1000.00} from my savings account. They then tried to change my statement preferences and email address but were unable to do so. When the money transfer went over, the online access was cut off by the fraud department being notified to the activity somehow. I have filed a fraud claim with the bank and it is still under investigation. I have changed all of my account numbers and debit card but am still considering leaving the bank and going straight cash consumer. I have also filed fraud ID alerts with all 3 of the credit reporting agencies and ID theft with the FTC and reported the incident to the best of my capability to the Social Security Administration of which I intend to follow up on to determine if a new SS # can be issued. I was informed on more that one occasions by more than one fraud agents that our ss # are our main identity identifiers ' in this country and there really is not any other in place so the reality is this will happen to me again and again in my life with my current ss #! I do not know what else to do, I feel so violated, angry and shafted by the system. It's like, we know and we are sorry- hope it doesn't happen again to you : - ) There has got to be a better way.
Consumer complaint received 2018-01-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. MY Bank of America account # XXXX is not mine. It is only reporting on XXXX credit bureau. I have attached. a copy of the documents I sent to XXXX and they have yet to fix the issue. I need assistance ASAP please so I can refinance my home. Thank you in advance for your help. 


XXXX XXXX
Consumer complaint received 2018-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax continues to report inaccurate, unvalidated information to my credit file. I have written proof from the creditor that this information is not valid. This credit bureau is willfully violating the FCRA. According to the FCRA, this item should be removed immediately.
Consumer complaint received 2018-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I am writing as a victim of the XX/XX/XXXX XXXX security breach. I have been attempting to validate suspicious activity on my credit report since the breach in which my contact and personal info were leaked. In the process of doing this, I submitted two requests for debt validation ( first on XX/XX/XXXX and second on XX/XX/XXXX ) to the Portfolio Recovery Associates Group and requested they only contact me by mail. I received a call on XX/XX/XXXX at XXXX from PRA at ( XXXX ) XXXX and the representative informed me the documents I requested were mailed to an address that I confirmed is not mine. It upsets me to know my personal and private information have been shared due to improper validation of this debt and Im sure it is unlawful for the collection agency to share consumer information in such a way. Furthermore after speaking with the original creditor, it was brought to my attention this debt has been misrepresented. In violation of the Fair Debt Collection Practices Act, the collection agency has added charges and fees to the account and is falsely reporting new account activity such as payment delinquency. Also, in respect to Section 623 of the Fair Credit Reporting Act, furnishers must note delinquency within 90 days, list the same date of delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by PRA Group regarding this account and furthermore I received another call from them on XX/XX/XXXX @ XXXX XXXX from ( XXXX ) XXXX. I have submitted this complaint in attempts to have this debt verified and this account investigated.
Consumer complaint received 2018-02-26
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 CFPB, I am a victim of online ID theft. My full legal name is XXXX XXXX and my CA Driver 's License # is XXXX. 

Unauthorized XXXX transactions fraudulently transferred from my Bank Of America Checking Account with Account # : XXXX and two Bank Of America Debit Card Accounts with Card Account # s : XXXX and XXXX. I did not create the XXXX account and I did not transfer money at all using this XXXX account online. 

Transactions started on XX/XX/XXXX and ended on XX/XX/XXXX. The total # of transactions that are fraudulent and unauthorized in nature is 18 across all 3 accounts numbers mentioned above. 

I detected the fraud in XX/XX/XXXX/XX/XX/XXXX but could file final Claims with Bank Of America for reclamation and refund of money only in XX/XX/XXXX and XX/XX/XXXX. The total amount of money transferred fraudulently from my Bank Of America Checking Account with Account # : XXXX is {$6900.00}. The total amount of money transferred fraudulently from my Bank Of America Debit Card with Account # : XXXX is {$2000.00}. The total amount of money transferred fraudulently from my Bank of America Debit Card with Account # : XXXX is {$6900.00}. 

The total amount of money transferred fraudulently and without authorization across all 3 Accounts is {$15000.00}. I have filed 3 Claims with Bank Of America to get my total money back. Bank Of America has so far only done a temporary credit for the transactions against my Checking Account with Account # : XXXX for {$6900.00} and against my Debit Card with Account # : XXXX for {$2000.00}. 

Bank Of America has rejected my 3rd Claim for credit of money against my Debit Card Account with Account # : XXXX for {$6900.00}. 

I have an Affidavit signed with a Notary Officer of the XXXX XXXX County, CA as well as a Police Report filed with XXXX XXXX PD with Report # : XXXX as well as a Police Report filed with XXXX PD with Report ID : XXXX to use as reports for my ID Theft case. 

Please look into making sure justice is served here and that I get total money of {$15000.00} back including the pending amount from the rejected 3rd Claim of {$6900.00} AS SOON AS POSSIBLE from BANK OF AMERICA. 

Thank you, XXXX XXXX, Mobile # : ( XXXX ) XXXX Email ID : XXXX XXXX
Consumer complaint received 2024-08-07
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. (GA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX has violated my rights. XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights., 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 without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish information relating to a consumer reporting agency if the persons know or has reasonable cause to believe that information is accurate.
Consumer complaint received 2018-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I had consolidated my two student loans under the Direct Student Loan program in XX/XX/XXXX. 
In XX/XX/XXXXXX/XX/XXXX, I was employed under the XXXX   XXXX XXXX  as XXXX at XXXX   XXXX XXXX XXXX, which was a certified job under the Public Student Loan Forgiveness Program. I have been employed there for over 10 years and paid all my payments on time but the Department of Education said that I was not in a qualified loan even though I had been in the Direct Student Loan program. They said I should have been in an Income Based loan program. I was never told that until now by my loan servicers ( there were more than one and XXXX was one of them ). Now the government is saying that I have to start over with my loan program under an income-based repayment loan for 10 MORE years. I am still owing approximately {$63000.00} on students loans that I was told would be forgiven. I am not sure what to do, but was told that CFPB may be able to file a complaint with someone about it. I personally blame the US Department of Education because the type of loan that they are saying that I needed to be on didn't even come into existence until like XX/XX/XXXX
Consumer complaint received 2024-11-09
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. (NC)

I am writing to formally request the immediate removal of fraudulent charge-off accounts from my credit report with XXXX XXXX XXXX XXXXXXXX.Upon reviewing my credit report, I identified several entries that are negatively impacting my creditworthiness and financial health, which I believe are the result of identity theft. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request its prompt removal. The fraudulent accounts identified on my credit report have been charged off and, by law, should be removed to accurately reflect my credit history. The specific fraudulent charge-off accounts include : Account # XXXX ; {$1500.00} ; XX/XX/2021 To substantiate my claims, I have attached copies of the following documentation : 1. **FTC Identity Theft Report** : This report details the fraudulent activities and supports my claim of identity theft. 2. **Proof of Identity** : Including a copy of my drivers license and social security card. Despite my efforts to resolve these issues directly with XXXX XXXX XXXX XXXX and the credit reporting agencies, the inaccuracies remain unresolved. Therefore, I am seeking your prompt intervention to ensure that my rights under the FCRA are upheld and that all erroneous information is expeditiously removed from my credit report. under the Fair Credit Reporting Act ( FCRA ), there are provisions that require the removal of fraudulent accounts that have been charged off 1. Specifically, Section 623 ( a ) O ( A ) of the FCRA mandates that consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information Thank you for your prompt cooperation.