davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NM)

My relative 's XXXX account was hacked on XX/XX/XXXX. This account has not been recovered ( as of XX/XX/XXXX ) and the hacker is still attempting to use it to request money through XXXX. My cousin and I have sent money to each other in the past year. The hacker who stole his identity has a network of criminals with accounts in the XXXX XXXX  who participate in XXXX. The hacker sent me a XXXX on XX/XX/XXXX at XXXX XXXX  requesting money via XXXX and provided the email and name XXXX, XXXX XXXX. I tried to call my relative ( not knowing the account was stolen ) and he responded via text that the email connection was bad. I was asked to deposit in this XXXX account twice within minutes, I did deposit {$550.00} and then {$1000.00}, and a third amount was requested but by that point, I was suspicious because this had been done via texts and not voicemail. I attempted to cancel the transfers but they went through very fast. On the morning of XX/XX/XXXX, I contacted the fraud department of Wells Fargo XXXX and explained that these two transfers were push authorization payments obtained through fraud by a criminal who had hacked into a XXXX  account, therefore unauthorized ( Federal Reserve Board Reg E ). On XX/XX/XXXX ( date on letters ) Wells Fargo sent two letters ( one per claim ) stating they had received my claims and on the same day, they wrote two letters explaining that my claims had been denied because they determined the transfers were completed as requested by me. So Wells Fargo knows what financial institution and what account my money went to ( the XXXX XXXX  account of XXXX ). The fact that this transfer was completed as a result of identity theft was not taken into account. They have not even reported XXXX XXXX 's email address XXXX as a person in a chain of scams and fraud in what appears to be an international hacking operation. My bank seems to be protecting these criminals more than protecting me. I have filed a report with the FBI and the Federal Trade Commission and also with the State of NM Office of the Attorney General ( they have called me and guided me through several steps ). As a US citizen, I am concerned that this XXXX  hacker targeting US Bank account holders who have relatives abroad can continue to hack and steal via his chain of criminals with bank accounts linked to XXXX. Wells Fargo is not even flagging the account used to steal my money and has not provided me with any information about the owner of the account. I know nothing has been done because I can add the hackers account to my XXXX and it is still viable and there is no warning about the XXXX accounts connection to a crime. I have already called the FDIC at XXXX ( who has also provided guidance. )
Consumer complaint received 2023-09-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (FL)

ON XXXX XXXX I CREATE AN ACCOUNT FOR TRANSFER MY MONEY ( XXXX ) FROM XXXX ( XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX  XXXX. MY MONEY DIDN'T ARRIVE SAFFETELY THEY SEND ME REQUIREMENTS OF MY PERSONAL INFORMATION OF THE ACCOUNT IN EMAILS. THEN MY DEBIT CARD THAT WAS PROVIDED FOR MAKE THE TRANSFER, THEY TRY TO MAKE CHARGES IN DIFFERENT STORES OF CALIFORNIA IN XXXX I WAS VICTIM DE SCAM OR FRAUD AFTER THEY MAKE THE CHARGE APPROVED BY ME. MY MONEY WAS DEBITED FROM MY BANK ACCOUNT ( XXXX ) WITHOUT AUTORIZATION. VIOLATING MY SECURITY INFORMATION THEY GIVE ME A RESOLUTION OF REFUND MY FUNDS. THE NEXT DAY THE TOLD ME THEY WON'T REFUND ME BECAUSE WHAT HIS AGENTS SAID WAS NOT GUARANTEED IN THESE DAYS. AGENTS HANG UP MY CALLS.AND DIDN'T TRATE ME WITH RESPECT. MY XXXX BANK ACCOUNT IS NOW IN INVESTIGATION OF XXXX. I DONT HAVE ACCESS, I WAS TRYING TO LOOK VERY CLOSE WHAT HAPPEN AND I GUESS I HAVE A XXXX ( PHONE WITH XXXX  ) I CONNECT TO A LOT OF WI-FI IN AIRPORTS AND ONE OF THE COMPANY REMITLY STOLE MY INFORMATION.
Consumer complaint received 2023-09-20
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: EQUIFAX, INC. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (KS)

I applied for the Public Service Loan Forgiveness program. I made 181 qualifying payments towards PSFL, with the 120th payment that triggered forgiveness occurring in XXXX of XXXX. The Missouri Higher Education Loan Authority ( MOHELA ) shows in my XXXX qualifying payments. However, they reported to the US Department of Education 's Federal Student Aid department that our discharge was only effective in XX/XX/XXXX ( instead of the correct date of XX/XX/XXXX ). 

Because of this error, MOHELA and FSA have not refunded over {$20000.00} in overpayments I made on my student loans between XX/XX/XXXX and XX/XX/XXXX. I have been contacting MOHELA 's customer service lines for PSLF since XX/XX/XXXX and have been given various incorrect or incomplete answers regarding the delay in my refund. When I noted the error between their records of when I reached 120 payments and the discharge date they reported to the USDOE, I was told there was nothing that MOHELA could do to correct the misinformation and complete the refund process.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-07-28
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)

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Balance : {$3600.00}.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In ac

cordance 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. The letters are stated with items and issues. 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.
Consumer complaint received 2023-08-21
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07
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: Experian Information Solutions Inc. (GA)

Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from me.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank (LA)

This account was paid in full, after speaking with a representative and she told me that this account would reflect as positive and my goodwell letter was granted, I have still yet to receive my email and the reflection of my goodwill removal, ive also called about a credit that they are holding for {$110.00} and the rep keeps telling me that my refund will be mail, i need this to go to higher authority these people are lying and keeps saying anything to get me off of the phone.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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. 


Company : name 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 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.
Consumer complaint received 2023-07-28
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Exeter Finance, LLC. (GA)

This company EXETER Finance continues to violate me with abusive, contradicting and illegal tactics to try and intimidate me in regards to a an already paid debt which was XXXX by the IRS, they have also admitted to selling third party companies my personal information which is illegal per 5 USC 522a. 
They have also violated the Fair Debt Collection Practices Act which is found on the FEDERAL TRADE COMMISSION website which states in 15 USC 1692 ( a ) Abusive practices and 15 U.S. Code 1692c - Communication in connection with debt collection which states once given NOTICE that all communication must be CEASED, The only communication that should be initiated should be the following -to advise the consumer that the debt collectors further efforts are being terminated ; -where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

I should there for not be communicated with other wise, The debt has been paid and they want triple payment it seems, You have received payment from the IRS, you have admitted to also SELL my DEBT which you have also received payment for. 
PLEASE STOP WITH THE ABUSE AND THREATS!!! NO MORE COMMUNICATION SHOULD BE RECIEVED BY MAIL OR ANY OTHER COMMUNICATION TOWARDS THIS FAKE FRAUDULENT DEBT. 
- No More communication about fake debt -stop with misrepresentation ; no signature or Printed name found on the mailed mentally abusive and manipulative document sent on XX/XX/2024. 
Corporations can not speak so for an individual to write " Sincerely, EXETER FINANCE LLC '' at the end of mailed document is misrepresentation and fraud within itself. You have violated my fundamental unalienable rights ten times if not more,
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I was in college and XXXX  XXXX and someone tried to deposit a fake check in my account in XXXX Maryland. I contacted Bank of America and told them what happened and they still close my account. I asked him how did they close my account when they didnt do an investigation to make sure that it wasnt me. They had sent my parents the fake check that was deposited in my account and the signature on a check did not mess my signature at all so we were confused on why they closed it when thats not even my signature on that check. The check did not go through in my account but they still close my account. They kept saying I have to go to this and do this and do that I did everything you told me to do in a student help me with trying to open my account back up or do investigation. This all happened in XXXX and Im still trying to get this issue resolved.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I sent a letter last XX/XX/XXXX to remove the listed 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 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-28
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: Experian Information Solutions Inc. (NY)

I write this in reference to the Fair Credit Reporting Act ( FCRA ) and believe my federally protected consumer rights ; specifically my right to privacy and confidentiality under 15 USC 1681, have been breached. The accounts involved in this violation are as follows : XXXX - Account number : XXXX XXXX  XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXX XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Section 602 ( A ) of 15 U.S.C 1681 safeguards my right to privacy. Additionally, Section 604 ( A ) ( 2 ) of the same code outlines that a consumer reporting agency may not provide account details without the written consent of the concerned consumer.

Section 1681c ( a ) ( 5 ) of 15 U.S.C mandates that a consumer reporting agency can not include any adverse information other than criminal conviction records that predate the report by over seven years.

As per 15 U.S.C 16 1681s-2 ( A ) ( 1 ), it is illegal for anyone to furnish consumer-related information to any consumer reporting agency if they are aware, or have justifiable reason to believe, that such information is inaccurate.

These inaccuracies are currently obstructing my ability to purchase a home for my family and are negatively impacting my financial prospects. I hereby request the immediate deletion of these inaccuracies from my credit report.

I anticipate your swift attention to rectify these inaccuracies, as this matter is crucial to my financial future.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My name is 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 2023-10-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I have been applying to housing & car loans between XXXX. Since XXXX TransUnion hasnt changed information on my credit report pertaining to applications. I was also in late XXXX had an emergency in where I froze my credit and my credit wasnt froze. All Data is electronically stored on my credit reporting inquires and history timeline.
Consumer complaint received 2023-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The TransUnion credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below XXXX XXXX XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2023-08-07
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: AMERICAN EXPRESS COMPANY (MO)

In XX/XX/2023, when logging into my American express account online, I received a popped up invitation to apply for Amex XXXX XXXX that has a sign up bonus offer of XXXX points after XXXX spending in 6 months. I applied and got approved on XX/XX/2023. I was charged annual fee of {$690.00}. 

After the approval, on XX/XX/2023, I called American express customer service to confirm the term and condition of the sign up bonus, and the service presentative reassured me the offer is valid. I decided to keep the card and try to meet the spending requirement for the sign up bonus. 

After meeting the spending requirement of {$6000.00} on the card on XX/XX/2023, I called Amex again and was told I met the condition and the points can be credited anytime. 

I called Amex again on XX/XX/2023 when no points showed up, and was told again that I met the condition, and points will be posted in XXXX. 

On XX/XX/XXXX, I called Amex and the representative agreed that I should be credited and filed a case with # XXXX. I received a paper letter later saying they already credit me, which is not correct. 

On XX/XX/XXXX, I called Amex and the representative agreed again that the first letter is incorrect and I have not been credited. She helped to open a second case. I later received a paper letter saying I haven't met the spending requirement. 

On XX/XX/XXXX, I called Amex and the representative now says I do not qualify for the sign up bonus since I had another XXXX XXXX. I asked to cancel the card and get full refund of the annual fee. The representative refused to refund me the annual fee saying it has been more than 30 days. 

So in summary, I was tricked into applying for a XXXX XXXX and paid {$690.00} annual fee. I was misled by American express after calls and paper letter telling me I qualified for the sign up bonus. I never received the promised XXXX points. 

I am demanding American Express to either fulfill the condition and credit me XXXX points.