davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (CO)

My XXXX XXXX XXXX XXXX card was switched over to a new company, Marcus by Goldman Sachs. This switch was without my consent or knowledge, this was XX/XX/XXXX. I called the number on the back of my XXXX XXXXXXXX card and was transferred to Marcus by Goldman Sachs. I asked them to deactivate my card, because I did not want to use the card but I did not want to close the account and hurt my credit. I informed them that this was my online shopping card attached to many different accounts like XXXX, XXXX, XXXXXXXX XXXX, any place that takes money monthly or anything you have to attach a card to, i attached this {$300.00} limit card from XXXX XXXX that i had for 6 years. So as I went to login to my things, and it was on this card i would change the card. I was unaware that closing a {$300.00} credit limit would not hurt my credit at the time ( I found that out in new research this month, so the account is now closed ) but going back to XX/XX/XXXX, they were supposed to deactivate it. Then a charge went through for {$1.00}, after receiving that bill I paid the card off and asked them to be sure this time the card was turned off. Two more times purchases went through on this card, I did not want to place my checking account number with a credit card I had never heard of. The lady on the phone told me to dispute the charge of {$21.00} since the card was supposed to be deactivated. So I did as she informed me, and put a dispute in. The credit card company says their records say I called back in and cancelled the dispute. I never did that, and so now 2 late fees have tacked on to the bill. So I then did research about closing the account since I am having so much trouble, so on XX/XX/XXXX I called in and made the {$21.00} payment and closed the card for good, they sent the late fees to dispute since I shouldnt be responsible for those. They are now saying after looking at the dispute they are not taking these fees off. So I am wanting to file this as scam or fraud. I believe they are scamming me for late fees, I called in numerous times to stop this card. Charges that went through on this card, they should have been declined if the card was deactivated. The company says there is no record of me requesting that, then they cancelled my dispute and said it was claimed by customer, it was not. I called to make payment and she suggested I dispute. If I had paid the {$21.00} charge when I called in, it would have never gained interest and late fees. Marcus by Goldman Sachs told me there is no number or anything they can give me, no higher manager to send me to. I am not late on credit card payments, this has dropped my score XXXX points and I work hard to keep up with my bills. I am wondering if there is anything I can do other than pay {$62.00} to that credit card company that is scamming me. Thank you so much for you help.
Consumer complaint received 2022-08-24
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX Balance : {$0.00}
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo opened multiple accounts in my name without my consent ( 4 accounts ) to be exact. I did not authorize this Financial institution to do so, I am only aware of one checking account that I agreed to on a contract. This FRAUD committed by someone who was working for the company this has caused me a major hardship. I have not been able to open up an account any where. Below are the only two accounts I have knowledge of. I have reached out to Wells Fargo multiple times the case number is listed below : case number is XXXX Debit Card XXXX. 
Any additional account opened up under my ssn using all of my personal information needs to be Investigated IMMEDIATELY. I am the owner of that PERSONAL INFORMATION this is my personal property such as : DOB, ADDRESS, PHONE NUMBER, SSN ETC. The policy and the contract or agreement that was offered to me clearly states that Wells Fargo participates in the PRIVAVCY ACT and The CONSUMER RIGHTS PROTECTION ACT, but the did not hold up their end of the contract. The contract was BREACHED. The account is fully insured by the FDIC. 

XXXX XXXX is XXXX. 
Wells Fargo Opportunity Checking XXXX Wells Fargo Opportunity Savings XXXX XX/XX/2014 XXXX check amount : {$1900.00} I made a deposit on this date with a check from my employer and Wells Fargo kept my Negotiable Instrument and the credits and closed down the account. That check was my Personal Property they never returned the item to me. FRAUD
Consumer complaint received 2024-10-24
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. (MD)

In accordance with the Fair Reporting Act. The List accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 602 A. Sections2 : It also states a consumer reporting agency XXXX make any consumer report containing any of the following item of information Any other adverse item of information, other than records of conviction of crime which antedates the report by more than XXXX 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
Consumer complaint received 2022-08-24
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)

This is my 2nd attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 2nd attempt that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my personal file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

I was curious if a buy 2 get 1 code worked on multiple items ie buy 4 get 2 on XXXX In order to see if this was the case the website requires hitting checkout, at this point I can type in the code and hit enter. However, since I am a prior customer my payment method is already connected. When I hit enter to apply the code and see what the discount would total, it instead checked me out completely with no confirmation page, etc. It also never applied the discount, so the website threw me from the discount code section to the pay now button. Immediately contacted the company and they refuse to cancel the order, even though an order I placed XX/XX/XXXX has still not been processed, clearly indicating this could easily be done. They have told me I could return the items when I get them for store credit and thats it.
Consumer complaint received 2024-11-01
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. (CA)

I am writing to request the blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. These entries were not authorized by me and should be removed under FCRA 605 ( b ) and 15 USC 1681c-2 ( a ). The details are as follows : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I have unauthorized and unveried inquiries on my credit report that needs to be removed immediately. under the FCRA specically 15 U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. The nancial institutions I have listed in this report have no permissible purpose by law to contact third parties with my private or personal information this offense amounts to aggravated identity theft pursuant to 18 U.S.C 1028A. I haven't initiated any tractions with any of these companies furthermore I don't have an account under 15 U.S.C 1639a ( 2 ) for review or collection with any of these companies these inquiries needs to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ( Original Creditor : XXXXXX/XX/XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) # XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-08-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: URS Holding, LLC (AZ)

XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that XXXX XXXX had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX  I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted XXXX XXXX and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on. XXXX also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (CA)

I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (AZ)

I woke up to see a text on my phone from the number XXXX ( XXXX ) XXXX stating that there was an attempt to send {$2000.00} via XXXX and for my protection this transaction was flagged. I was asked to reply YES if I wanted to continue to send or No to cancel the request and that an operator would call me shortly after. I replied with a No and then received a call from a number XXXX ( XXXX ) XXXX. The caller said his name was XXXX XXXX with an employee ID of XXXX then continues to explain the fraud situation asking if intended to send this amount to someone in Florida with an XXXX XXXX XXXX phone. I said no. He then instructed me on how I should dispute this fraud by creating a new XXXX contact to send myself the money for reasons I can't quite remember. He had instructed me to create a contact using my first initial then my last name and said I would need to use a number he had created, XXXX, to send the money since my email and number were deactivated due to suspicion of fraud. He also stated that the name associated with that number, XXXX, was the associate that was in charge of my fraud case. He instructed to to first send {$700.00} then the remaining {$390.00} and that I should be receiving a notification soon after, and that now my money is safe. After hanging up and not receiving said notification I immediately realized I had been scammed. I then called my bank, Chase, and reported the scam. Giving them all the same information and details stated above.
Consumer complaint received 2024-11-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my account in relation to their deposit policy. However ; they stated they would mail me a cashier checks but did not state why my account was closed. 

The sum of money was rather substantial and they did not allow me to withdraw funds in person. This puts a strain financially on me and my family.
Consumer complaint received 2024-11-01
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. (NY)

To Whom It May Concern, In addition to the inaccuracies previously outlined, I am also disputing the erroneous reporting of the DISCOVERBANK account on my credit report, which further violates the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. Please review the following violations and update the records as required. This letter serves as an official demand for correction ; failure to act on these requests will result in escalated actions, including potential legal proceedings. 
XXXX  Account ( Account Number : XXXX ) Duplicated High Credit and Credit Limit Values XXXX XXXX XXXX both " High Credit '' and " Credit Limit '' as {$3500.00}. This duplication is misleading and fails to comply with XXXX XXXX guidelines, which mandate accurate and distinct values in each field. Please correct or substantiate this data. 
Inconsistent Terms ( Months ) : XXXX incorrectly reports " XXXX '' months for the account term. For revolving credit accounts, " Terms '' should either be left blank or reflect the revolving nature. 
Please correct this field in accordance with XXXX XXXX standards. 
Conflicting Last Payment Dates : XXXX reports the " Date of Last Payment '' as XX/XX/year>, while XXXX and TransUnion XXXX XX/XX/year>. I request immediate verification and standardization of this date to meet compliance guidelines. 
Discrepancy in Last Reported Date : Different reporting dates appear for the same account XXXX ( XX/XX/year> ), XXXX ( XX/XX/year> ), and TransUnion ( XX/XX/year> ). This lack of synchronization indicates negligence in maintaining accurate data. 
Inconsistent Comments Section : Each bureaus comments vary, showing : o Experian : " Account Was In Dispute - Now Resolved - Reported By Subscriber. '' o XXXX : " Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o TransUnion : " Dispute Resolved ; Reported By Grantor. '' These discrepancies suggest that the bureaus are not uniformly updating records, violating the FCRAs requirement for accurate, complete, and verifiable data across all platforms.
Consumer complaint received 2022-08-24
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Auto has DISCRIMINATED against myself with an adverse action. Credit is the right granted to me under law 15 USC 1602 which Congress has set into place to protect the consumer. 15 USC 1681a, 12 CFR 1002.7 denial is an adverse action under congresses definition not mine. Congress not myself explanation of ACTIVITIES CONSTITUTING DISCRIMINATION says it shall be UNLAWFUL FOR ANY CREDITOR TO DISCRIMINATE AGAINST ANY APPLICANTS WITH RESPECT TO ANY ASPECT OF A CREDIT TRANSACTION. 15 USC 1691 the law is clear on this and Congress placed these laws to protect the consumer from Discrimination and unfair banking practices. Wells Fargo Auto has continued to be willfully negligent and noncompliant on this matter. Corporation policies do not supersede law which Wells Fargo continues to violate. This could lead to criminal liability and civil liability if Wells Fargo Auto chooses not to rectify this matter which is in the best interest of Wells Fargo Auto. I being the card holder as defined by 15 USC 1602 have received no benefit from this matter which under 15 USC 1602 ( p ) you have unauthorized use of this card.