davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

Recently I realized that I was no longer receiving any W.Fargo mail. Upon my investigation- my account address had been changed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is the address that is always used by the identity thieves. My current address which should be the only address used at each department with W.Fargo is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX It bothers me greatly that it seems as if these identity thieves can get anything done with W.Fargo they wish to. W.Fargo is a " gold mine '' for identity thieves. W. Fargo is an easy target for identity thieves, with little to no chance of prosecution Yet the W.Fargo customer reaps the consequences of these careless mistakes. Loss of money, loss of hundreds and hundreds of hours of time- and this is just a start. But at the same time, as I am actually the W.Fargo customer, I get the door slammed in my face, everything I try to get help from W.Fargo- in correcting the careless mistake made by W.Fargo!!!!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank for allowing Fraudulent Transactions in my account after I had put everything in place due to identity theft to prevent this- specifically accounts were deactivated and disabled. 86 unpaid Fraudulent Transactions remain, and due to the # of Fraudulent Transactions, they will be listed on several complaints. Too extensive to be listed on ( XXXX ) Complaint. Total Amount Owed {$8800.00} -- -- 86 Fraudulent Transactions. 
As Follows : XXXX Purchase authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$49.00} -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX -- - {$10.00} -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$57.00} XXXX XXXX Purchase authorized on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$12.00} -- Purchase authorized on XX/XX/XXXX XXXX {$30.00} -- -Purchase authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX  {$11.00} -- -Purchase authorized on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Purchase authorized on XX/XX/XXXXXXXX XXXX. {$110.00} -- XXXX XXXX authorized on XX/XX/XXXX XXXX XXXXXXXX {$220.00}
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank, and their very lacking Customer Service. Having been transferred throughout many departments within Wells Fargo, I am very familiar with their Customer Service, and their way of doing business. And 15 months of back and forth with Wells Fargo, thus far, has taught me that the only way to get results with Wells Fargo is to file a complaint. My only goal is to get my {$8800.00} in Fraudulent Transactions allowed by W.Fargo returned to me, after I had everything put in place to prevent this such as accounts deactivated and XXXX. And then we can cease all business. 
This Complaint will focus on this bank continuing to send me attachment upon attachment, in their response and communications with me. Due to my situation, of which they are well aware, I can not download attachments, nor print, therefore when they include attachments, of which they mostly use, I must also receive responses by hard copy/ mail. I have communicated this to all Wells Fargo departments, hundreds of times, yet they purposely continue to do this.!!!!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc. (FL)

It is showing delinquent payments since XXXX, but that is impossible because payments arent even due until at least XXXX months after graduation which I graduate in XX/XX/XXXX and I had the ferment that went into XXXX where the Loans got all the way up until now, so there is no late payment that should be shown at all on my credit report. Every time my loans get sold to a new loan provider, they put on my credit that its been late payments and delinquent since my freshman year of college, which is impossible. My loans have been resold many times while in good standing, and each timethey are being reported as negative delinquencies on my account, as if I wasnt in good standing.
Consumer complaint received 2024-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo Bank. As per records on person : Claim # XXXX. 'This Claim was filed on your behalf in dispute of ( XXXX ) transactions made on a Platinum debit card ending in ( XXXX ) totaling {$9100.00} on XXXX XXXX, XXXX through XXXX XXXX XXXX. During our investigation of the claim, it was determined that you did not authorize the transactions. A letter was issued on XX/XX/XXXX. XXXX, stating that the Provisional Credit of {$8800.00} would be made permanent.

The replacement money of {$8800.00} was placed into an account without my knowledge nor approval- into an account not opened by myself, and under the control of the identity thieves- as countless phone calls, Emails, letters, and various communications to W.Fargo, - still W.Fargo would give me no help, nor give me any information on accounts in my name. This is my first experience with identity theft, however I am very ( OCD ) organized, detailed, keep notes on everything. etc. I had accounts disabled and deactivated to prevent all of this, when I first noticed my account Email had been hacked. 
And this is how the identity thieves restole the {$8800.00} again. In addition, the thieves had overdrawn one account for - {$1600.00} and also another of my accounts for - {$760.00} in my name at Wells Fargo. Wells Fargo has been a " XXXX XXXX '' for identity thieves And not to mention the hundreds and hundreds of hours of time and expense on my part.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XXXX  XXXX XXXX I tried to pay my credit card on line and could not so I called Bank of America XXXX. My statement balance was {$5300.00} and paid that amount. I received a confirmation for that amount. On XXXX  we tried to use our credit card and it was declined. I called them was told a payment of {$53000.00} had been applied to my account. There was a hold on my account because of the overage. I explain to them I had not paid this amount. I talk to a XXXX in Texas and he said the matter would be straighten by XXXX  or XXXX  at the latest. I called XXXX  XX/XX/XXXX and was told it would take a minimum of XXXX working days probably more to determine this wasn't fraud. 
They took {$58000.00} from my XXXX account and froze my card. This card I pay all my monthly bills. I now have no money and no card. To pay my bills that are now all due. My medicine is on hold. I need help. The credit card company said nothing can be done.
Consumer complaint received 2024-07-30
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: EQUIFAX, INC. (FL)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

On XX/XX/23 I submitted a CFPB Report ( # XXXX ) My complaint against Equifax was Exercising my Federally Protected Consumer Law Rights which included : 15 USC 1681, 15 USC 1681 sec 602A , 15 USC 1681 604A sec 2 , 15 USC 1681c ( a ) ( 5 ), 15 USC 1681s-2 ( A ) ( 1 ) ( see Consumer Law definitions ) Equifax received the CFPB complaint & sent a letter requesting Identifying Documents ( Driver License, SS card, Bank Statement, W2 Form ) in order to process my complaint, which was Specifically Noted to " Delete Listed Accounts '' violating my Federally Protected Consumer Law Rights. I sent all requested documents to Equifax via Registered Return Receipt Mail & All signed and included documents were Notarized ( see attachments of receipts ) Equifax in defiance of my Complaint and Federal Law, processed my complaint as a " DISPUTE '' which they have repeatedly done on Every Subsequent Request and Failed to Provide ; " Paper Documentation with wet signatures on contract or other forms which I Requested Method of Verification or Validation ''. Equifax then sent a response letter dated XXXX XXXX to me stating " We Were Unable to Locate your Credit File '' ( see attached letter ) However, Equifax was able to Verify said " Disputed Accts, Update my Credit report and send me a Copy! ..Equifax continues to Violate my Rights and lies about my Credit File not Found in order to Subvert Complying with Federal Law. I herby am Declaring Identity Theft as Reported to FTC ( see attached Report # XXXX ) due to Equifax Blatantly Violating Federal Law under Permissible Purpose 15 USC codes defined above, which states clearly " A Reporting Agency Can Not Furnish an Account Without My Written Instructions '' The Following Accounts violate this clause : The XXXX XXXX Acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX  acct # XXXX Also Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Now this again is Not a Dispute-Not open for Debate..This is Federal Consumer Law and Reported as Fraud to the FTC. According to Law Equifax has 4 days from receipt of this Complaint with Attached FTC Identity Report # XXXX ( See attached ) I would Expect CFPB to Protect My Federally Protected Rights and Not Allow Equifax to Subvert Law.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear XXXX : This is a Self-Attestation that I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). An personal loan opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXXXXXX XXXX XXXX XXXX  number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Consumer complaint received 2024-04-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NV)

On XX/XX/year> and XX/XX/year> I paid my full student loan payment of {$520.00}. My due date is the XXXX of the month. I was sent two delinquent notices and charged a late fee. 

Despite attempts to contact them to fix their error. XXXX getting nowhere. 

Please help
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against Wells Fargo for their failure to honor my request as a Customer!! Wells Fargo replaced {$4000.00} for two transactions which they determined to be fraudulent- relevant to money removed from my account at Wells Fargo XXXX This account has been and is under the Control of the identity thieves. After W.Fargo replaced these partial monies, I requested to XXXX XXXX at the Wells Fargo XXXX Complaints Management Office to have my account deactivated and disabled. This would prevent the identity thieves from restealing the monies, as they are able to do. This would give time for my family member to get to a Wells Fargo branch, and withdraw as per our POA, prior to the identity thieves stealing this money once again!! XXXX XXXX stated to me very plainly- that Wells Fargo Management would not allow him to do so. Once again- how XXXX is this??? And the game continues, which W.Fargo loves to play with my money. Wells Fargo is a " XXXX XXXX '' for Identity thieves!!! And this is why Wells Fargo is voted the most hated bank in America on many on line surveys!!!
Consumer complaint received 2023-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (IL)

I received an email from Chime on XX/XX/XXXX welcoming me to Chime. I contacted Chime on XX/XX/XXXX to communicate with them that I did not open the Chime debit / checking account with them. I informed them that this account was opened fraudulently and requested that they close it. I then uploaded documents that Chime requested for their records. The documents consisted of a Federal Trade Commission Identity Theft Report, a XXXX XXXX Police Identity Theft Report, along with a letter asking for Chime to release any and all information and transaction records relating to my account. Since then, I have been given the runaround and cant access the requested information. Ive called numerous times and have gotten nowhere. I requested they transfer me to a supervisor and they do not have XXXX. I would like any and all information about this account that was created fraudulently in my name released immediately.
Consumer complaint received 2023-07-07
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: Experian Information Solutions Inc. (NY)

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.
Consumer complaint received 2024-07-30
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Dear Equifax Information Services, LLC : This is a Self-Attestation that I am a XXXX XXXX XXXX.. The information listed below, which appears on my credit report, is the result of that XXXX. 
These fraudulent accounts consist of a Auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), another auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), as well as personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). An personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) an personal loan with XXXX XXXX XXXX XXXXAccount number ( XXXX ) Opened : XXXX. XXXX another auto loan XXXX XXXX opened XXXX. XXXX, XXXX account number ( XXXX )
Consumer complaint received 2024-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (KS)

I received an email. I didnt open it up. I just XXXX  XXXX. Customer support got XXXX customer support and they said there was a problem with their end. Theyd call me right back. They called me right back. It says XXXX somebody was trying to deduct {$390.00} usually I dont respond, but it was from XXXX and I didnt open up the email. I XXXX  customer support that was a mistake because I didnt get customer support. I got somebody that said they were customer support. They gave me a phone number that was one number off of Coinbase number they got into, my account and drained everything but {$53.00} I cant access my XXXX XXXX  XXXX account therefore anything I cant trust because they have me completely locked out and they just want me to log into XXXX so they can get back into my phone. its not gon na happen Coinbase Has been no help whatsoever. Im going to report them to the XXXX XXXX XXXX as I have contacted them to email by phone even a handwritten letter and I cant get no help. Is it because Im not whale its principal of me its not the money but I had money in Coinbase in bitcoin and it was just starting to make money and I tried to get Coinbase to lock my account but by the time I got to all the hoops, theyve already got the money and were gone in Coinbase hole. Theres no way we can track it, you knew there was a problem. Thats why I couldnt have been able to contact you because youve been hacked and youre not telling the public to the biggest youre not the safest you got ta be logged in to talk to somebody in support if you cant log into your account, you cant talk to Support, thats worthless one to lock all accounts immediately because these speeds of these transactions are so fast to be able to lock your account immediately
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with EXPERIAN XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.