davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I received a phone call on XX/XX/2021 from XXXX ( this is the WF fraud department ) as I was driving. The representative calling informed me my card ending in XXXX had been compromised and someone was trying to use this card in XXXX at a XXXX XXXX and asked if it was me. I quickly responded, No that was not me. She then asked about the last 5 or so transactions to ensure they were accurate. She advised to cut up the card and WF would send a new card in the mail. She then said, did you set up a wire transfer in the amount of {$5400.00} to which I said absolutely not. She said, o.k Im sending you a confirmation number to your phone number I need you to confirm your identity please read me that confirmation number. I glared at my phone, as Im driving to report the number in which I do. She asked if I had received an email confirming these details and I quickly glance in which I read the details and at the bottom it says if you feel this is fraudulent call XXXX. I stare at the phone number on my phone and the number to call from my email for WF fraud and the numbers are the same, so Im pretty confident Im being accurately helped. She then asked if I had initiated a wire in the amount of {$19000.00}. That absolutely wasnt me! She again asked for the confirmation code being sent to my phone and I report it back to her. At this point Im starting to become suspicious as to why I would have to confirm my identity again. I pull over to read the texts and the texts state do not share this number with anyone. I inquire with the representative and she states that all calls are monitored and recorded and she needed the numbers to confirm my identity. I inform her that I dont feel comfortable and that Im heading into the nearest branch. She responded by saying, absolutely head into the branch, any extra layer of protection for your account is better for you. I immediately head into the branch at XXXX XXXX XXXX XXXX, CA XXXX. I frantically rush into the branch with her still on the phone and ask the seated representative for help. He asks me to wait in line at the teller and about 1 minute later she hangs up. About 8 minutes go by until I can be helped in the branch. When they pull up my account 2 pending wire transactions are on the screen and I advise they were not from me. The representative at the branch calls the fraud department and at that point I felt that everything would be o.k. Well here I am 2 weeks later out of {$24000.00}.
Consumer complaint received 2021-07-26
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)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Edited
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I need help ... I disputed these accounts several time and not one since credit bureau is responding to my dispute request .... I want these negative items deleted immediately. 

XXXX XXXX XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX  XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX- no knowledge of account. If unproven, unverified, or non-compliant, Demand deletion immediately. 
XXXX XXXX-UNVERIFIED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CT)

This complaint is against TD Bank in reference to CFPB complaint # XXXX-XXXX. 

TD Bank 's XX/XX/XXXX response to this complaint was : " DESCRIPTION OF NON-MONETARY RELIEF We sent an update to the credit bureaus to reflect the account status as Paid in Full effective XXXX " This has not occurred, according to a credit report ( via XXXX ) by : XXXX, on XX/XX/XXXX -- Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX Current Status of TD account : " Charge-Off '' Status of : XX/XX/XXXX XXXX, on XX/XX/XXXX -- Current Status of TD account : " Active '' Status of : XX/XX/XXXX I contacted XXXX  via phone on XX/XX/XXXX who verified the data on the XX/XX/XXXX report. I filed a dispute during this phone call. 



Since TD 's XX/XX/XXXX written resolution, I have been accessing updated credit reports on a monthly basis, which have displayed data similar to the current reports. I had followed up with TD 's representative and connected with her by phone, twice, over the past two months. I was told that the lack of changes or the incorrect changes to the status ( both exist ), were part of the updating process and to wait another 30/60 days. 
Finally, TD 's representative told me that if the credit reports ' data remains incorrect after XX/XX/XXXX, it is now an error with the bureaus and not with TD Bank. 


I will be addressing this with Connecticut 's Department of Banking, per my attorney 's recommendation.
Consumer complaint received 2021-07-26
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 (FL)

On XX/XX/XXXX the amount of XXXX and XXXX was unauthorized ( XX/XX/XXXX was posted to the account ) and was used to process the transaction without my permission. I called Well fargo the day after to change debit card because of the unauthorized charge. The investigation was opened after some time the investigation closed and they declined to refund me the unauthorized transaction because of lack of information which was impossible to provide because there was no way of providing evidence of something that I didnt do. couple days later I got an email most likely from either well Fargo or a fake company trying to impersonate as an employee of well Fargo as a means to intimidate me or someone indirectly connected to well fargo which is most likely since it occurred few days after, I want credit posted on the account for both unauthorized charge it is unnaceptable that a company like well fargo would not resolve customer dispute. I am extremely dissatisfied by the service. The worst bank I have ever seen in my whole entire life .Also an employee was filing a complaint when I was disappointed with the outcome of the investigation without my permission or disclosure of these policy ahead of time to consumer which is very deceptive. I want them to be held responsible for all of the above, the lack of transparency and incompetence of solving disputes and satisfying customer complaint
Consumer complaint received 2021-07-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureaus, XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
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: EQUIFAX, INC. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$2900.00} XXXX XXXX {$250.00} XX/XX/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
Consumer complaint received 2021-07-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION (NC)

We need Fifth third bank to provide proof and tracking number - There is nothin they can proof that the check was sent to IRS except their letter. 
IRS doesn't have the check. 
We can not try to close without resolving this issues. This is the worst discrimination.
Consumer complaint received 2021-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I was served by Portfolio Recovery Associates. A processor knocked on my door at dinner time to give me papers. It says I am being sued for a debt and I need to attend a pre-trial conference. Failure to attend could result in wages garnished, and asset seizure. First off, I don't even know what this debt is for. Why would I not be notified about this? Additionally, I was the victim of identity theft and I had a number of fraudulent activities against me. So I've been trying to get my accounts back in order and up to date. 

This feels like a scam of some sort. I did a XXXX search about this company and it appears they are well known to do illegal stuff when it comes to debt collection. I want to file a complaint against them for this activity. I don't know if you have a way to stop this lawsuit if it is even real. But I shouldn't have to go to court for something that may not even be mine. It looks like the total amount is {$6300.00}. Although, another document shows {$5300.00}, so I'm not sure what the difference is. It looks like interest possibly. I don't know if this is an open account or closed. If it is open and collecting interest, I have not received a bill or notice. If it is closed, why is interest being collected, and again, why was I not notified? 

Also, the documents I was given, doesn't have my proper first name on it. So again, I don't know if this is even real. But based on the research I did, this appears to be how this company operates.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have called the 3 credit reporting agencies multiple times, XXXX, XXXX, Transunion to please

correct the personal information on my account. The have not corrected the inaccurate information they are reporting. I have called and spoken to several representatives and supervisor and they have not yet corrected my personal information.
I called on XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I appropriately notified the company prior to losing employment on XX/XX/XXXX of this year financial hardship and then afterwards when I requested to use the unemployment insurance that I paid for when I set up the loan with them and I sent all the appropriate paperwork as well. They continue to reach out to me and my family members and friends regarding payment on this account however the unemployment insurance was properly applied for and all of the appropriate paperwork was faxed to them for that to be put through and I had just recently notified your office of the same problem on a separate ticket and they had reached out and it seemed as if they were going to correct the situation on my credit report and did somewhat but when I checked again they have again reported this as a delinquent accounts it is showing up and ran and is showing as past due which it should not be as it shouldve been covered by the unemployment insurance I paid for from XXXX through now as Im still unemployed and I am also working with the governors office they have filed a XXXX claim for me as well
Consumer complaint received 2021-07-26
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. (OK)

I, the consumer, in fact, am a victim of identity theft, and pursuant to 15 USC 1681c-2 I am requesting the block of such information resulting from such identity theft from my consumer report. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in error nor is there any material misrepresentation by me the consumer so my request should not be declined.
Consumer complaint received 2019-04-16
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc. (FL)

Prior to using Square merchant services I was with XXXX XXXX for my merchant processing. 

In the 6 years I was with XXXX, I won over 90 % of chargebacks filed against my company. XXXX provided me with the full card number of the cardholder for each dispute, the name and phone number of the bank handling the dispute, and the means to send me rebuttals to the banks. Now that I am with Square, they refuse to provide me with any of these details, despite Square using XXXX as their own processor. 

Since signing up with Square I have lost 100 % of my chargeback disputes, which leads me to believe that Square is not sending the rebuttals and evidence I upload via their online dispute resolution process to the cardholder 's bank. When I called in to square to ask for the bank details for 2 banks handling 2 different disputes on my account, they refused. These disputes amount to over {$2400.00}.

On one dispute I have included signed proof of delivery to the customer dated after her complaint of " product not as described '', which is an impossible complaint to make before receiving merchandise. I also sent an email from this customer who stated she canceled her dispute with her bank and I would be getting my funds returned. Weeks have gone by and the funds have not been returned to my account despite uploading this documentation to Square refuting the customer 's claim. 

A second dispute the customer claimed non-delivery of Goods.  I provided a signed proof of delivery to the billing address of this customer. I also called the customer who confirmed he had contacted his bank, confirmed receipt of goods and that the dispute had been canceled. Despite providing this documentation to Square, my funds have not been returned.

How I can go from over a 90 % win ratio to a 100 % loss ratio from switching processors is a mystery. The only logical conclusion ( because the way I fight chargebacks is the same now as it was then ) is that Square is mishandling my documentation and not providing it to the cardholder 's bank, allowing the bank to defraud me for thousands of dollars. 

Requests for a supervisor by Square were denied. Requests for the cardholder bank contact details were declined. Proof that the documents I submitted to square were delivered to the cardholder 's bank were declined. A request for a callback from a manager/supervisor or the legal team were declined. Square is violating my financial rights and assisting with fraud against my account. They are refusing to provide information that XXXX gives them access to, stating company policy as their reasons.
Consumer complaint received 2021-07-27
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vericred Solutions LLC (TN)

I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by XXXX that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX XXXX account. I called VeriCred and spoke to a lady that agreed to send me an e-mail that links the original XXXX account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for VeriCred Solutions LLC, to send me an e-mail with a report stating that this was for the XXXX XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which VeriCred was trying to make it look like, and even lied to me saying that this is not linked to the XXXX XXXX account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with VeriCred Solutions LLC.
Consumer complaint received 2021-07-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have obtained a copy of my credit report and discovered it contained an inaccurate report of a Bankruptcy filing. I have contacted the three credit reporting agencies ( XXXX XXXX, Equifax, and XXXX ) by mail ( certified copy is attached ) and was informed that this information is verified, or has been provided by a third party information collector. 

I also contacted the Bankruptcy Court of record and was informed by the court clerks office that there was NO known attempt to verify or confirm the erroneous information or correct the error. The clerks office strongly suggested that I contact your offices with this problem. While this issue may not approach the threshold of Bankruptcy fraud by an individual or business, the practice undermines the entire system of these firms are allowed to publish old, outdated information and inaccurate data beyond the scope of the FCRA. Especially, in matters as dire as Bankruptcy. I am reporting this matter in hopes you will investigate these practices for I have been led to believe this is not at all uncommon and highly dubious. ( Please see attached )
Consumer complaint received 2021-07-26
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. (AL)

I was never advised that XXXX bought out my security co XXXXXXXX XXXX in XX/XX/XXXX. I was never contacted by XXXX or received any XXXX equipment. My payments were coming out of my checking acct. I do not use my security system very often. I was going out of XXXX, XXXX and attempted to set my alarm when I realized my system was not working. I had made payments for XXXX, XXXX & XXXX. I called my bank and had these payments revered. I called XXXX advised them of the situation and ask my acct be closed. They told me I was under contract. When I ask for a copy of the contract, the contract dates had expired. The contract date was signed XX/XX/XXXX for a term of three years expiring XX/XX/XXXX. They have now reported me to Trans Union as missing a payment. Which has effected my credit score severely. They have a collection agency calling and harassing me : XXXX, XXXX XXXX XXXX, The XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XXXX Al XXXX, ( XXXX ) XXXX ext XXXX. Have reported this to Transunion. The response did not give me a resolution and still shows me missing a payment.
Consumer complaint received 2021-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST HERITAGE CREDIT LLC (TN)

I already had a complaint filed with you against them they contacted me and it seemed as if they had corrected the situation however upon the recent check of my credit report they have not- I have unemployment insurance on this one I notified the company of my financial problems prior to the loss of my income on XX/XX/XXXX and then at that same time provided them with the correct documentation for which to process my unemployment insurance claim. I am still unemployed and the governors office is working with me to file a claim for XXXX which they have already submitted for me.