davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY (AL)

I sent Wells Fargo and there registered agent a billing error notice. They have 30 days to fix it. As a consumer, they failed to apply a credit that I am due, and also, they withheld this disclosure from me. Pursuant 12 CFR 1026.13, this constitutes as a billing error. Wells Fargo is notorious for shutting down consumer 's accounts due to us exercising our consumer rights. Pursuant 12 CFR 1026.11, when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall credit the amount of the credit balance to the consumer 's account. Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer. Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. Also in my letter I stated what they can and can't do to the consumer. I feel as Well Fargo has taken a advantage of me for a long time. They withheld this disclosure while I was paying them when I was due a credit. I have been with Wells Fargo for over 15+ years. Im demand my credit be applied every month as stated. The same letter was also sent to The XXXX Attorney General.
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (GA)

Equifax changed their terms about reporting when changing from Equifax to MyEquifax. Before the change I received almost daily alerts about banking ( checking account ) transactions of any amount over {$100.00}. I also received monthly alerts about an increase or decrease on credit card statements. Since XX/XX/XXXX I have 12 personal checking transactions and 6 business checking transaction of {$100.00} or more and several credit card statements and so far I have not received any alerts. I called Equifax Customer Service on XX/XX/XXXX at XXXX ( 17 min 57 sec ), XX/XX/XXXX at XXXX ( 22 min 32 sec ), XX/XX/XXXX at XXXX ( 4 min 18 sec ), XX/XX/XXXX at XXXX ( 16 min 47 sec ), XX/XX/XXXX at XXXX ( 10 min 4 sec ) and today XX/XX/XXXXXXXX  at XXXX ( 52 min 10 sec ). On each occasion I was either cut off and had to re-dial or was told the problem was fixed and I still did not get any alerts. My last call was to get a supervisor on the line and 4 times was redirected back to the original phone options. Finally got a supervisor today and was told " we are having problems with the product and our associates are working hard to resolve. But if you are not getting alerts nothing has happened on any of your accounts ''. That's when I decided to file a complaint.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (DE)

On XX/XX/XXXX I set up a new checking account with Chase using the open new account link which described a coupon code being automatically applied for a {$200.00} bonus with prerequisites, which I fulfilled in the allotted time and the disclosure said that the bonus would be deposited within 10 business days. When I didnt receive bonus within 15 business days of fulfillment I called in on XX/XX/XXXX to question why I hadnt received the bonus and was told that a coupon code was never entered, I escalated to a supervisor whom was still unable to help and said the only way to have the coupon applied was to close the current account and open a new one with the code, which made no sense to me considering this was the main reason I setup the account in the first place and would have no clue of the bonus had I not opened it the way I did, and thought it to be computer error. Nonetheless he also tried to enter a code from the option enter email for code section which I also entered that day and received with him still on the line. The system would not accept it. I just want a resolution to the problem which he was unable to provide. Thanks
Consumer complaint received 2022-08-04
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. (TX)

Equifax XXXX of XXXXi I REQUEST that you Equifax Validate { not verify } this account XXXX of XXXX acct number you supplied on credit reportXXXX  on report XXXX Disc please enclose the following of you verification { 1 } who you spoke to { aLL associates you spoke what was said by both parties their contact information, any co workers you talked what was said by both parties their contact information { Phone numbers } address of original owner their contact information you Eqifax claim verified I need the information meaning of verified make sure or demonstrate that { something is true or justified LAW swear to or support { a statement by affidavit } Validation the action of checking or proving the validity or accuracy of something '' CFPB I have the right to this information you can not report PAST DUE on a closed account that is a violation CFPB this is me writing this
Consumer complaint received 2022-08-04
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I am writing to ask for your assistance with Wells Fargo Bank. 
Since last XXXX I have been trying to obtain the COVID -19 recovery modification for homeowners who can resume payments. 
Unfortunately Wells Fargo will not allow me to do so. I am currently restricted to speaking to one person in the home preservation department. 
I was only able to contact him in XXXX after trying for months. He told me I was approved for the modification in XXXX and had to pay the money from XXXX to present if I did not want to lose my home. This was XX/XX/XXXX. I was then contacted in XXXX informing me they could not complete the modification because they could not clear the title. I do not have any liens on the home and am unsure how the two correlate. I received notice in XXXX that they had cleared the title and to look for the documents to sign in the mail. In the meantime I was told I had to pay {$1900.00} a month until the process is complete. My previous mortgage payment was {$1800.00} and that was changed at the closing table. I received the documents in XXXX, notarized them and sent them back. I was contacted in XXXX, it was stated the county denied the modification because the title is not clear. I am so confused. 

I am in active bankruptcy. Prior to the pandemic I was paying Wells Fargo {$2000.00} a month with the hopes of the additional going towards the principal as well as the trustee payments. I have been compliant with all of Wells Fargo to date. Wells Fargo unethical practices and misleading behavior appears to be resulting in my children and I being XXXX. I was contacted and told they have to do a phone income review to see if I qualify for a modification at all. Why aren't I eligible for the COVID -19 loan mod? I have an FHA loan. They said they cant clear the title and the deceased my have airs to the home. The deceased was a co borrower only and is not nor have ever been the deed of the home. Please I do not want to be XXXX with my children. I don't know what to do and I am not getting much assistance from the Bankruptcy lawyer. 

Wells Fargo have also is fabricating documentation about assistance provided. they also presented a new closing disclosure at closing that was not the original provide prior. pleas see original disclosure attached. Wells Fargo deleted the bill pay history. Please see attached statement 's as proof of payments in XXXX as well. Payments stopped when the office shut down in XXXX during the pandemic in XXXX, But when they gave us the last payment in XXXX I paid Wells Fargo. Please see attached. please help me. I am have been in compliance with all Wells Fargo stipulations.
Consumer complaint received 2021-01-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (NC)

Wells Fargo, through reckless incompetence, lost records of my payoff for {$3000.00} for my XXXX loan. Because of XXXX XXXX misconduct, I am in fear of loan default, overdraft that will not be fault, but solely the fault of Wells Fargo ongoing incompetence.
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Consumer complaint received 2022-08-04
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-01-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

Hello On theXX/XX/20 I have tried to send 1 ethereum token from my XXXX XXXX telephone app to my Coinbase app. 
The Transaction was successful however I had sent the ethereum cryptocurrency via a BEP20 network and not what Coinbase accept to enter the fund into my Coinbase account. I can not access my funds whatsoever. The transaction is successful however I can not access my own funds. 

The crypto cuirrency can be released by Coinbase but they claim they can not. I have contacted them but there is no way to get my money back. I would like them to at the very least return my funds back to the same source they received the funds from ( my XXXX  account ).
Consumer complaint received 2020-12-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (CA)

Enhanced Recovery Company , LLC, ( ERC ) stated on XX/XX/2020 by mail that authorization was granted to report this fraudulent derogatory vague account to the national credit bureaus. In my opinion ERC and the original creditor are practicing professional malpractice and perhaps power by discrimination, by exploiting and targeting seniors by using public and third-party information to intimidate me to pay a debt that clearly does not belong to me. This convoluted situation is extremely stressful for me as I believe I may be a victim of Identity theft by ERC, and the original creditor that ERC is representing ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2021-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. Transworld is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. Transworld is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.
Consumer complaint received 2022-08-04
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. (PA)

There is an unrecognized inquiry from XXXX XXXX on my Equifax report. I recently obtained a new job, but any credit inquiry tied to a background check would have been a soft pull, not a formal credit inquiry, so Equifax must have made an error and processed incorrectly if they gave a full report to any agency. I have not applied for any new credit or loan for at least 6 months. I have disputed this inquiry twice with Equifax but they will not provide any information or remove it, just stating that it's a " factual record of file access. '' Maybe so, but only because Equifax XXXX  up and allowed unauthorized file access!
Consumer complaint received 2020-11-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (IL)

Chase bank is holding loan in suspense {$17000.00} since XX/XX/. This is wrongful interference of a third party loan. The loan is Incurring interest and I would like returned to XXXX treasury immediately on my behalf so that funds can be reissued.
Consumer complaint received 2020-12-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (KS)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-16
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. (PA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX  XXXX XXXX XXXX Balance : {$6400.00} XXXX  XXXX XXXX XXXXBalance : {$470.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  XXXX XXXX XXXXBalance : {$760.00} XXXX - XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$2500.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$3800.00} XXXX XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXX Balance : {$900.00} XXXX XXXX  XXXX : {$800.00}
Consumer complaint received 2022-08-16
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. (TX)

I called the Equifax and XXXX after I purchased a credit report with XXXX on XXXX receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous accounts on my credit report which are misleading to me. I sent a letter to the Equifax and XXXX on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-29
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: CBC Companies, Inc. (TX)

*** XXXX XXXX XXXX XXXX, TX XXXX * XXXX XXXX  XXXX XXXX, TX XXXX < -- ( DELETE WRONG ADDRESSES, NOT MY ADDRESSES ). 
XXXX XXXX XXXX XXXX {$21000.00} < -- ( NEVER LATE HOW IS THIS VERIFIED AS ACCURATE? REVIEW MY ATTACHED DOCUMENT REGARDING THIS ACCOUNT FOR XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$3500.00} < -- ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) XXXX XXXX XXXX XXXX {$390.00} ( NOT MINE, HOW IS THIS VERIFED? FCRA violation. FTC violation failure of 45 days to settle. ) FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING
Consumer complaint received 2021-03-31
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I attempted to make a {$1100.00} transfer to my grandson using PayPal. In order for the transaction to be completed, he needed to access his PayPal account. When he attempted to access his PayPal account, it opened to the following message - " We noticed some unusual activity ''. Activities for the account was then locked, except for PayPal 's process to " secure '' the account. The secure process required three pieces of information. One, the users email address on file when the Pay Pal account was opened, two, the account users cell phone number on file with Pay Pal, and three, the account users credit card number on file with PayPal. The problem arose because two of the three required pieces of information were not current i.e., the cell phone number on file was from a previous phone that had been long ago disconnected and the email on file had not been used for a long period of time and hence cancelled by XXXX. When the " secure process '' was attempted using the credit card number, the card number checked out, but the secure process required additional steps that required the phone number and/or the email address. Once input, a text or email would have been sent to the disconnected cell or deactivated email account to unlock the PayPal account. Since this was not possible and the transaction could not be completed with my Grandson, PayPal was holding the money. I contacted PayPal using the phone number they provided. I was referred back to the website account by a machine. No human contact can be made. I then filed a dispute. The dispute was denied because " the transaction was processed correctly ''. I again filed a follow-up dispute emphasizing that the transaction was processed, but could not be completed, again I was denied. I then sent a letter and was again denied on the same grounds. The money is in my Grandson 's account of which he can not get into as a result of the discontinued email and cell phone number and we can't talk to anyone to help him reactivate his account.
Consumer complaint received 2024-08-28
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 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.