davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo Bank reversed a provisional credit {$500.00} and refused to give me money back due to a XXXX fraud on XX/XX/XXXX. 

On XX/XX/XXXX at XXXX, I was scammed by a scammer XXXX XXXX XXXX XXXX XXXX, phone number retrieved from a XXXX XXXX ) who pretended to be an XXXX customer service representative. Instead of helping me accessing my XXXX  XXXX  due to forgotten password, he used XXXX via my Wells Fargo Bank app to transfer {$500.00} to XXXX XXXX ( whom XXXX claimed to be his manager ) on my XXXX. During this phone call, I did not realize I was being robbed of my money because XXXX XXXX was walking me thru the steps on my XXXX while rest assuring us that he was just testing XXXX. 

It wasnt until he asked me to go to the nearest ATM to pay {$900.00} to get an XXXX XXXX card that I realized I was being scammed. I immediately rushed to a Wells Fargo bank branch XXXX XXXX XXXX XXXX XXXX, VA XXXX ) at XXXX ( 45 minutes after the fraudulent XXXX transaction XXXX and the Wells Fargo employee ( XXXX XXXX XXXX XXXX ID : XXXX ) called fraud department and agreed to give us {$500.00} credit within 10 business days. 

Unfortunately, I got a letter from Wells Fargo on XX/XX/XXXX. The letter stated We have now completed our research of your claim and found this transaction was made by you or someone who had your permission to perform transections on your account. As a result, the provisional credit provided to you earlier will be reversed within 10 business days from the date of this letter. If you have any questions or would like to take advantage of your right to request copies of documents we relied upon in making our decision, please call us. 

I never give the scammer my permission to authorize the XXXX transaction via my Wells Fargo Bank app. I was unfamiliar with how XXXX works and I had no idea how he hacked my Wells Fargo bank account to initiate the unauthorized XXXX transaction. 

I called Wells Fargo at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX XXXX ask for copies of documents that they relied upon in making their decision. However, it has been 25 days and I have not received any response from Wells Fargo.
Consumer complaint received 2021-02-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was a victim of identity theft or my identity was compromised the following accounts and debts showing on my account I did not own I have no knowledge of the debts I became aware of it on the date XX/XX/XXXX and I added fraud alert on my account on XX/XX/XXXX which I have on my following account and I am trying to resolve these two accounts and disputed with XXXX XXXX and which I don't know off these two accounts one with XXXX XXXX and XXXX with the XXXX XXXX  I already submitted a dispute on XX/XX/XXXX with credit bureau XXXX  and the dispute was not in my favor I have also added a security fraud alert with XXXX  I request for the removal of the debts and update my credit report.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I never activated a credit card that was established through XXXX XXXX ; and the name in which the credit card is established is inaccurate ( so I am not sure what type of onboarding and KYC processes they have that it would not identify this situation ). I never activated the card or processed any charges to such card given that the account is not even in my correct name ; yet they proceeded to charge me an annual fee and begin late charges against an annual fee. I have since closed it as I felt that was the only way to stop the issue from continuing ( however, it was never activated or used to begin with ). I am attempting to resolve the annual fee and late charge issues - however, there is no way to establish contact with them to discuss the above without setting up a mobile account which I do not want to do. Their phone line leaves you in a dead end. As such, conveniently enough there is no way to resolve the above situation.
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I made a payment to XXXX. Always pay full balance. Per my bank ( when looking at back of check ) XXXX cashed it but assigned it to the wrong account. My correct account number was typed on the front of check. It was cashed and posted before payment was due. I sent a copy of the front and back to the address they provided. They still whacked my credit score and sent another letter about them being unable to research payments sent through your banks online bill pay service. Please help. 
XXXX XXXX
Consumer complaint received 2024-08-30
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. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2021-02-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Hello Sir/Madam hope this mail finds you well, okay i will go straight to the point, my paypal account was closed and it is very depressing because inspite of me uploading all the documents I was asked of, I still get the mail that my paypal account has been permanently limited, the main reason I was asked to upload my documents was because I was almost reaching the paypal limit, you can confirm what am saying, by checking my paypal account ... XXXX. My name is XXXX XXXX and I would kindly request for you to check and reconsider reopening my paypal account , it has not been in any bad transactions, I linked it to paypal XXXX because I am from XXXX, the attached documents are evident of all that I uploaded successfully I have attached a copy of my Identity Card and a copy of my goverment issued document. Hope to hear from you soon thank you for your time.
Consumer complaint received 2024-10-18
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: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX Account number XXXX Balance {$470.00} Credit limit {$300.00} XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX & XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC (CA)

I am pasting the original complaint that we filed below. The company responded and verified that the loan was fraudulent and they had NO RECORD of any loan with my name on it, but it remains on my credit report to this day. The company requested that I fill out some 'credit deletion request ' form that would require me to provide them with my personal information. I believe that if I do this, they will either create a new fake loan, or somehow use the information I give them in that form to 'validate " this fake loan. I don't want to give them any of my information, nor do I feel that I am required. They are, however, required by law to remove the fake loan from my credit report and if this is a problem, I will GLADLY sue them, which I am in the process of getting started. A small claims case for fraud would suffice, using their own admittance that the loan is fake as evidence. 

Here is my original complaint : Subject : Urgent Dispute of Fraudulent Auto Loan on My Credit Report To Whom It May Concern, I am writing to request your immediate assistance in addressing a fraudulent auto loan that has been reported on my credit file. This loan, supposedly issued by Global Lending Services with a balance of {$30000.00}, is a blatant act of fraud that has nothing to do with me. Here are the details of this fraudulent account, taken from my XXXX XXXX  account : Account Holder : XXXX XXXX Loan Amount : {$30000.00} Loan Type : Auto Term : 72 months Account Status : Open Opened Date : XX/XX/year> Lender Contact Information : Global Lending Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX : ( XXXX ) XXXX I am outraged that Global Lending Services has committed this blatant fraudulent activity. This company, which is based in XXXX, GAnowhere near my residence in XXXX XXXX, XXXX clearly engaged in unscrupulous practices by associating this fraudulent loan with my credit. This false information is causing undue stress and has the potential to severely impact my credit score and financial wellbeing. It is unacceptable that a company can engage in such fraudulent activities, and I demand that this issue be rectified immediately. I am asking the CFPB to investigate Global Lending Services ' role in this fraudulent account and to ensure that this fraudulent loan is removed from my credit report as quickly as possible. The lender must be held accountable for their actions, and this fraudulent activity must not be allowed to damage my financial reputation. I have already contacted XXXX to dispute this account and will be pursuing further action against Global Lending Services if necessary. I trust that the CFPB will take the necessary steps to assist me in resolving this matter swiftly. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or via email at XXXX. Thank you for your prompt attention to this serious issue. Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (NC)

Hello. I made a payment in the amount of {$21000.00} on XX/XX/year> to FNB card. I got a confirmation email at XXXX XXXX. On XX/XX/XXXX, {$21000.00} was debited from my XXXX XXXX  account. The card has a XXXX limit. Although payment was made and deducted from my checking account, the payment was held. It would not be applied to my account for 7 days. I have called many times over the last week. I have shown proof that the money was already deducted from my account. I was told nothing could be done to work around the hold. I have asked where this was discussed in the card holder agreement. I asked what would qualify my account to not have this hold restriction. I have asked where is my money being held if not applied to my account. I have asked for copies of all recorded conversations regarding this case be made available to me. I have asked about the legality of deducting from my checking account and not applying to credit card. I have not had access to my {$21000.00} for over a week since it is already gone from my checking account and I still can not use the card.

My card is in good standing, not late, and I was approved for a XXXX, XXXX limit. I was never told making a high payment on time would result in loss of use of the card for over a week.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (TX)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-18
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. (CA)

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Consumer complaint received 2024-10-19
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. (NC)

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2021-02-19
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: CMRE Financial Services, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I sent a check for payment of my credit card balance to the credit card company. The check was stolen before it reached the destination. The payee and amount were changed on the check then cashed at XXXX XXXX. 

This was an obviously fraudulent check, anyone could easily see that the check had been altered. The check went through XXXX XXXX  and then was sent to Huntington bank which took money out of my savings to pay the check. I am out {$6000.00} that the Huntington bank refuses to give back. 

They have told me that I needed to wait for them to straighten the problem out with XXXX XXXX. Now I'm being told that I have to trust that XXXX XXXX  will send me a check to reimburse the money that Huntington bank took from me. 

This happened in XX/XX/2020, I still don't have my money. The bank was notified the beginning of XXXX and has given me the run around ever since. Now they are washing their hands of the matter completely. 

I do not do business with XXXX XXXX, my bank is Huntington bank. XXXX XXXX  did not take my funds, Huntington bank took my money. I'm paying the price for Huntington bank 's error. Huntington bank cashed a forged check and is making me responsible for it's negligence.
Consumer complaint received 2021-02-17
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: Consolidated Information Services Solutions, LLC (OH)

There is an unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. CISS LLC Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Consumer complaint received 2021-02-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

I applied for Covid 19 payment relief last year. Wells Fargo assisted with that. However, after coming out of forbearance, Wells Fargo explains that there are two options : repay the debt OR they will move the payments to the end of the loan. No where in that explanation on their website or during the conversations does it say they are going to place a second lien on my home. I will say that I signed paperwork that had the second company 's information on it. However, I have no idea what that information translates to and I find it infuriating that Wells Fargo simply stated " the balance will be moved to the end of your loan '' and not that a second lien will be placed on your property. That information is too vital to leave out. Failure to include that is negligent. Now I am in the middle of a refinance and I can not proceed until this amount is paid in full. 

I understand my responsibility as a homeowner. However, I have a limited understanding of these terms which is why I asked what my options were and I did ask questions. I knew the life of my loan would be extended, I knew I might pay more interest, and I was okay with that. But I knew nothing about a second lien and nothing about not being able to refinance. That should have been explained to me. That was the responsibility of Wells Fargo and they failed. 

This feels deliberate. They withheld information. This is a pandemic and I have no idea if I will be able to come up with the funds to pay for this, which is why I chose this option in this first place. Now I can't refinance with a different company. Why else would they fail to explain to people, upfront, the second lien that HAS TO BE PAID before refinancing can take place? This should be a signed document that people have to read and acknowledge they understand. A second lien is being placed on your home. This is the company you contact regarding your second lien. This amount must be paid in full before refinancing can take place. FYI, this is based on the type of loan that you refinance with but still. I should have been told.

Wells Fargo is a corporation so they do not have to face consequences. EVER. It is absolutely ridiculous that they can outright LIE and no one holds them accountable. Omitting the truth is lying. They are not moving the balance of people 's Covid relief to the end of their loan. They are selling their debts and placing second liens on their homes but that is not what their website says and that is not what they tell you when you call them.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

Dear Experian, I am writing to formally dispute the inaccurate information on my credit report for account XXXX XXXX XXXX Account # XXXX. Despite previously disputing this account, the information remains inconsistent and continues to violate the Fair Credit Reporting Act ( FCRA ), which requires that all information on credit reports be accurate, complete, and verifiable. The continued reporting of inaccurate information constitutes a violation of the FCRA, specifically Sections 1681e ( b ) and 1681i ( a ).

The account in question contains discrepancies in the following areas, as well as others : High Credit Limit : The reported high credit limit on the account is inconsistent across different updates to my report.

Date Last Active : The reported date last active is inconsistent and changes with each reporting update. 
Date of Last Payment : There is also an inconsistency in the date of the last payment on the account. 
These inconsistencies suggest a failure to maintain maximum possible accuracy as required by Section 1681e ( b ) of the FCRA. Furthermore, by failing to correct these errors after my initial dispute, Experian may also be in violation of Section 1681i ( a ), which mandates that credit reporting agencies reinvestigate disputed information in a timely and reasonable manner.