davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (AZ)

I issued a check # XXXX on XXXX assigned to XXXX XXXX. This check shows on my online register as honored by US Bank. The Company assigned did not endorse back of check, instead initials were present. No Bank stamp showing how/where check was cashed. This check was cashed illegally. 
I have requested an explanation of how this was honored? 
I feel US Bank failed to protect my account by illegally processing. I have requested in writing and e-mails to US Bank Fraud Div. and have not received a reply. 
I have further found the assigned Company was fraud. An Attorney 's name was used in this scheme and I have also contacted : 1. US Treasury 2. US Postal Service 3. California Bar Assoc. 4. XXXX XXXX District Atty Office 5. XXXX District Atty Office 6. XXXX XXXX  XXXX. 7. XXXX XXXX XXXX 8. California State Atty General Fraud Div. 9. FDIC Due to this error by US Bank and their failure to assist me, I have closed the checking/savings/debit/visa accounts that I have had over 25years.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is XXXX ID Theft reports listed due to not having enough space.
Consumer complaint received 2022-05-01
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. (IL)

- [ XXXX XXXX XXXXXXXX Account number : XXXX - [ ] XXXX  Account number : XXXX - [ ] XXXX XXXX XXXX  Account number : XXXX I have recently received a copy of my credit report, and to my surprise I noticed that reinsert accounts have been added back at the deletion. I disputed the inaccuracy of this account before and the account was removed. Im confused as to why this item has popped back up on my credit report under Fair Credit Reporting Act ( FCRA ), an item can not be reinstated. Answer my credit report with a written notice by a credit bureau to me within five days of the rain session. I have received no such notice and would like for this item to be deleted this is a violation of my rights. 

Upon deleting this account please send me an updated copy of my credit report with updated leases to the address above. If action is not taken regarding this matter I will forward this copy to the CFPB as well as the FTC and file a formal complaint. 

Sincerely,
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (PA)

Credit card was opened without authorization. When calling the company they will not do anything unless you give your full SSI # first. They will not talk to me unless I give my full account number. I never opened this account. I do not have a card, and the account # is not on the bill they are sending for a payment. This does however show up on my credit report. 

The website does not give an option to close the account and only gives the information below. 

The company name is. 

Genesis FS Card Services XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX www.Destinycard.com
Consumer complaint received 2021-03-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

My husband and I applied in XXXX, XXXX to Wells Fargo Home Mortgage to refinance on the existing mortgage on our residence. We are currently paying 4.875 % on the existing mortgage and would be refinancing to a lower rate of 3.00 %. As my husband is self-employed and we owe 2 rental properties in New Jersey, we have had to provide XXXX and XXXX income tax returns for both businesses, as well as our personal income tax returns. We have also had to provide paystubs, bank statements, and profit & loss statements as of XX/XX/XXXX for both businesses, as well as balance sheets as of XX/XX/XXXX. All of the above items were provided in XXXX, XXXX. As of yesterday, XX/XX/XXXX, I spoke with the loan processor who advised that there was only one item needed to move our mortgage application to conditional approval. We are more than qualified for this mortgage refinance. The mortgage refinance would lower our existing mortgage payment every month by approximately {$300.00} to {$400.00}. 

Today, when I logged onto Wells Fargo 's online Loan Tracker, I was asked to provided 14 additional documents. I e-mailed and called the loan processor and left a voicemail message. 

My husband and I feel that Wells Fargo is going to continue to ask us to provide additional information in the hopes that we will just give up with this mortgage refinance application.
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc. (MO)

XX/XX/2022 I purchase two {$100.00} prepaid XXXX XXXX and XXXX XXXX XXXX. I was unable to spend them it kept showing no money. available. I phone XXXX on XX/XX/XXXX and reported it. I provided them with the card numbers and I was told the cards had been used to pay XXXX insurance and XXXX. I advised I never used the cards and they were presence the entire time. I was told a fraud investigation would occur and I would be emailed documents in 7-10 days to complete and return. I was provided a claim number. I never received the emails. 
I phoned a second time and spoke with a representative provided my claim number and was advised the same scenario and to look for an email from XXXX. Today no response.
Consumer complaint received 2021-08-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (MI)

Coinbase Decline to credit my XXXX  tokens or send it back. 

Day of transaction XXXX The transaction ID is XXXX The deposit address I sent was XXXX Support Case is # XXXX -Transferred XXXX XXXX tokens to an address provided by Coinbase XXXX 
- I was promised transfer would be credited within 35 confirmations. 
- Support first claimed I didn't own the address. - When I proved I did own it, They said I sent an unsupported token. The currently only support XXXX - There was no disclaimer when creating the deposit address they only supported XXXX. 
- Several days after back and forth I check and now there is a disclaimer saying they only support XXXX and you will lose XXXX tokens. This was not clear before. 
- I want to be credited the amount in current time USD or have the tokens returned to my original address. 
-They have the ability to do this since they own the wallet. 

Thank you, XXXX XXXX
Consumer complaint received 2023-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

They refuse to return my money fraudulently taken by a merchant XXXX XXXX. They suggest I work it out with the merchant. This is utter XXXX as they are supposed to protect me from fraud. It's literally one of two reasons that I allow them to charge 31.49 % interest APR.

I have always stated " fraud '' as a reason to refund my money but they ignored that reason entirely and focused on irrelevant factors instead. They are denying my claim because the merchant has hidden all of my correspondence. They prefered to have a self-contained messaging system which they locked down and effectively prevented me from accessing my disputes. That is also fraudulent. In addition, Capital One is demanding an invoice/receipt, but XXXX XXXX Never provided me with one. How is that MY fault?!? Once again, I NEVER authorized XXXX XXXX to charge me the {$29.00}!!! 

Capital One has wasted hours of my time and treated me like complete trash. They are literally disgusting!
Consumer complaint received 2023-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Hello, I filed complaints # XXXX, XXXX, XXXX and XXXX on XX/XX/2022, and XX/XX/XXXX, XXXX since I couldn't view my credit score in my Bank of America application. And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore. Thanks!
Consumer complaint received 2023-05-24
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. (PA)

You are breaking federal laws by violating the Fair Credit Reporting Act ( 15 USC 1681 ). Your fiduciary duty in accordance with the Act, is to protect and respect my right to privacy ensuring that my consumer report is fair and equitable to me as the consumer since this is my consumer report. Youve have failed to perform your grave responsibilities which are vital to the functioning of the banking system with your unfair credit reporting methods! As a consumer, you must have my consent FIRST to furnish anything on my consumer report. Furthermore, in accordance with the Gramm Leach Bliley Act ( 15 USC 6809 ( 3 ), you are defined as a financial institution. Congress made it your obligation to respect my right to privacy and provide me with an opt out option of the sharing of my nonpublic personal information with nonaffiliated third parties! Youve failed to perform your official duties in which Congress clearly specified in accordance with the Fair Credit Reporting Act ( 15 USC 1681 ) and the Gramm Leach Bliley Act ( 15 USC 6801 ). Congress also states that a consumer report to EXCLUDES transactions and experiences between a consumer and the person who makes the report. Im aware that as a consumer reporting agency ( 15 USC 1681a ( d ), for MONETARY FEES you participate with nonaffiliated third parties to defame my character, weigh on my credit worthiness, and extort me on extensions of credit! Congress states that not only that I have right to privacy, but I may exercise my opt out option of sharing my nonpublic personal information at any time due to your failure to never provide me which an option to do so.
Consumer complaint received 2022-10-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paypal Holdings, Inc (NY)

I am trying to apply for a business loan which goes solely by your business income and I have had and successfully paid several in the past. 

I have been being denied without any cause and I am writting this last complaint because I want to make sure this is for sure an issue of discrimination because I have now ruled out all the other possible reasons. 

I have applied numerous times and I have never even received a denial letter which is suspicious. I can prove with screen shots and video these things.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Consumer complaint received 2023-01-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo offered lower payments during covid and since then I have been charged late fees and they say I have missed a payment showing an additional mortgage payment is due. I have written the company and showed no payments missed. I have called repeatedly to no avail. Recently I tried to do a cash out refinance but was turned down. This has been going on since covid.
Consumer complaint received 2020-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NM)

I've submitted certified letters and documentations to the XXXX XXXX XXXX and the 3 major credit bureaus. I paid the 2 accounts and was told they would delete. Theses 2 accounts were charged off XX/XX/2018 and the creditor is reporting that I have 27 charge offs on my account. I was told by XXXX XXXX XXXX that I needed to send a letter to them to ask them to " delete my Consumer dispute '' and they would be able to fix. I sent letters and have not received a response. I've disputed them. Equifax and XXXX show Paid and 27 charge offs, XXXX show no payment history. I've received numerous letters from XXXX XXXX XXXX stating they don't know what I am disputing. This is very conflicting with what answers I get. I am following everything the bureaus are asking as well as XXXX XXXX XXXX.
Consumer complaint received 2023-05-23
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. (FL)

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 2022-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (TX)

Venmo is a service provided by PayPal , Inc. ( Venmo ) For many months I have made many attempts to cancel both my personal and business Venmo accounts and close them out definitely for good. Attempts have been made by online chat and countless times by email.

They of course store my name, my email, phone number, address, TAX ID and keep a copy of my ID and Business License and maintain the account open without my consent. 

They are without my authorization keeping my accounts open yet they repeatedly state, the accounts are " deactivated '' yet they store my information for their own convenience. Because my business and personal accounts are frozen and remain permanently restricted I can not stop them from spamming me with emails which I have repeatedly ask them to please stop. I am being ignored and I need this to stop. 

XX/XX/XXXX - Account Deactivated I have received countless spam emails in between the account deactivation and today. 

On XX/XX/XXXX I made attempts to cancel my account with no success. I asked them again in the past few days to close it. On XX/XX/XXXX they refused twice.
Consumer complaint received 2023-07-21
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. (CA)

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (CA)

I've only been a customer for citibank for relatively less than a month. They closed my checking account due to alleged fraud '' although there hasnt been any fraud since the account has barely been used. Citibank won't let me know the reasoning behind the closure as well as if I can withdraw my funds and have access to my account. Everytime i call the customer service number im read a pre automated message from a customer service representative and then told that there isn't anything further they can discuss and will disconnect the call. The unprofessionalism and unknowledgement with this company is atrocious. I as a customer should know the reasoning behind my funds being on hold and me not having access to them as well as to why my account is pending closure and the fact that it will take 30-60 days to gain access to those funds again. I have bills to pay I want my money BEFORE 30-60 days!!
Consumer complaint received 2023-05-25
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

There are charged-off accounts being reported on my credit report after I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the 4 charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. 

I have written to the Creditor asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to Equifax, XXXX and XXXX, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report.
Consumer complaint received 2023-07-21
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. (VA)

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX # XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, 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. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Consumer complaint received 2023-05-25
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)

I am a victim of identity theft and someone used my information to obtain credit card with XXXX XXXX  and XXXX. I have contacted these companies and spoke to their fraud department and was advised to file a dispute under fraud. These accounts are reported as closed. XXXX account number partial reported is XXXX and XXXX  account number partial reported is XXXX. These fraudulent accounts need to be deleted from XXXX, XXXX and Equifax I have already submitted my FTC fraud affidavit.