davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (MA)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-09-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc (MI)

On or about XX/XX/year> I received an alert in my PC that my financial account was hacked. 
I called the # and they directed me to " XXXX '' which in turn connected my computer and phone to an individual who ran a program that stated I had a {$19000.00} charge on my account to XXXX XXXX. He said to install " XXXX '' in my phone. At the top of the page it read ANTI-FRAUD AGENCY OF FBI. Assuming this was legit I complied. His next request was go to the bank withdraw funds and go to ATHENA ATM machine to deposit funds and that money would be held in a secure account via TRUST WALLET. A total of {$22000.00} was deposited. He also asked me to purchase gift cards from XXXX and XXXX. I also deposited funds into BITCOIN DEPOT. Approx {$17000.00}. Then he wanted me to withdrawal money from my HELOC account. At that time I shut him down blocked his number and uninstalled the XXXX app. 
By this time I had depleted by funds and kicked myself in the fanny.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I had zelle the money to a wrong number by using chase bank app. 
Wrong number XXXX Wrong person XXXX XXXX. 
Never XXXX to this person before XXXX XXXX XXXX number XXXX XXXX person -- XXXX XXXX. 

Complain refrence number with chase XXXX. 
Nobody call several days from bank And today when I call they denied the claim.
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NY)

A fake person with the name XXXX XXXX is pretending to sublease an apartment on housing groups online ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ). I reached out to him to inquire about the apartment, and he sent me an application to fill out along with a video of the apartment. He told me that my application was approved, and provided the bank information for his alleged landlord ( XXXX XXXX ). We had agreed that I would be able to see the apartment in person, but he kept insisting on having me wire the money upfront so that he could take the listing down. I sent the money on the day that I was planning to go see the apartment, which was XX/XX/XXXX. The wire I sent was supposed to cover 11 months of rent, as well as the security deposit ( {$18000.00} ). I am a XXXX  at XXXX and that money was the entire loan that I had taken out to cover my living expenses for the year. 
I realized that this was a scam about an hour after requesting the wire to be sent, and immediately called my bank, which is XXXX XXXX. The wire was still pending at that time and they were able to submit a recall request from the receiving bank, which is Wells Fargo. I was told that the receiving bank should be able to freeze the wire, investigate the fraud claim, and return the money. 
On XX/XX/XXXX, I received a call form an investigator at XXXX XXXX who wanted more information on the wire recall request. I was also advised by the investigator from XXXX XXXX to submit a complaint form on ic3.gov, which I did right away. I tried contacting Wells Fargo to report this, or to get any information on the receiving account, but they refused to help because I did not have an account with them. 
On XX/XX/XXXX, I called XXXX XXXX to inquire about the status of the investigation and was told that Wells Fargo wants to deny the recall claim, and that I would have to take it up with the beneficiary if I want to get the money back. I have proof of the fraudulent contract, my entire communications with the scammer, and the ic3.gov report, but they refuse to look at any of it. I also reported this incident to the New York Attorney General on XX/XX/XXXX.
Consumer complaint received 2024-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: GOLDMAN SACHS BANK USA (NY)

I am a victim of bank fraud through my account with XXXX XXXX XXXX XXXX. Sometime in XXXX a person named XXXX XXXX began making withdrawals from XXXX Apple Card from my business account with XXXX XXXX XXXX. He made several transactions that were more than {$9300.00}. I was not made aware of this issue until my account was XXXX which included overdraft fees. This was on XX/XX/XXXX. I do not know this person who did it. My bank claims that I authorized the person to do it because they had my routing and bank account number. I haved received any bank statements for several months from my bank. I have contact XXXX and Apple Card twice and spent hours and each time I was told they would get in contact with me but they have not. I went to my local XXXX XXXX located at XXXX XXXX XXXX XXXX, NY XXXX, after learning what transpired with my account and closed the account on approximately on XX/XX/XXXX, and the account was not officially closed until XX/XX/XXXX. I also learned after several months of working on this issue that XXXX XXXX began stealing money from my XXXX Account since XXXX.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING XXXX ACCOUNT # XXXXHAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A STATES I HAVE 602A. 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 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CO)

The following items are inqueries on my report that did not happen. Chase has no record of them. There is no history of applications, inqueries, or accounts from any of the XXXX support people I talked to at Chase. 

XXXX refuses to remove them, even though it seems to be from Identity Theft. 

JPMCB CARD Inquired XXXXXXXX  On record until XX/XX/XXXXXXXX  JPMCB CARD Inquired XXXXXXXX  On record until XX/XX/XXXXXXXX  JPMCB CARD Inquired XXXX On record until
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CO)

about XX/XX/2021 charges : I was the victim of Identity Theft in 2021. I informed Chase about the issue, and they did nothing to stop it. I contacted them via email, online message, phone calls, and social media chat/support. They refused to block the charges, or cancel and issue a new card, or even investigate. 

As part of my due diligence to report the fraud and identity theft to FDIC, i also started to put credit freeze on my name, and I requested a number of cards and accounts to be closed. Chase did not close my accounts upon request. Instead they marked them as closed due to bank decision, which is also fraudulent and vindictive. They have since personally blacklisted me to open new cards as a matter of revenge. This action of a XXXX XXXX XXXX profit company against a individual consumer seems unlawful. 


This is not a duplicate, and the issue has not been resolved, and I'm going to continue to submit specifics for this month and every other date that is affected by this until there is a resolution. In XXXX of 2021, there were fraudulent charges on all of my Chase credit cards. Although I reported this to Chase, they took no action. Eventually I closed all cards to resolve the identity theft issue. Since that time, Chase refuses to allow me to open a new card or account, even though they are responsible along with me being a victim of identity theft.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital One Bank- Deposited a large check to the account in person at the branch. Later flagged as suspicious. Called the number on the account to verify identity and was told everything is fine. Checked cleared and wrote out checks to disperse the funds. Account again placed on hold, checks were returned. Unable to acces the account. Spent 3 hours at the branch to resolve the issue. Was told nothing they can do, will escalate to their digital team and assured me someone will call me back. No one called me after 2 days. I called the bank again and was told it is not a digital issue, it has to be escalated to the executive team and we have to wait 45 days because it is first come first serve. Apparently there is a long waiting list of complaints to be resolved. Can not get anything in writing about the case number or who is working on the case. I was told I can write to the Executive office to file a grievance and it will only take 2 weeks. Funds are held up for no valid reason, due to their internal incompetence.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I have been trying to access my online Equifax online account to see my credit report, score and the ability to lock and unlock my credit report. I have been trying to access my online account since XX/XX/year>. I have called them several times over the years, and they have taken several technical issue reports, and when I would call back, they would say the issue had been resolved. Also, they have responded to my emails stating the issue was resolved, which neither time has it been. If this can not be resolved here, I will need to hire an attorney to see what I'm entitled to because they are leaving me open to possible fraud, being that like any other consumer, I can't lock my credit report. I have attached some of the emails below, but there are several others back and forth with no resolution.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CO)

about XX/XX/year> charges : I was the victim of Identity Theft in XXXX. I informed Chase about the issue, and they did nothing to stop it. I contacted them via email, online message, phone calls, and social media chat/support. They refused to block the charges, or cancel and issue a new card, or even investigate. 

As part of my due diligence to report the fraud and identity theft to FDIC, i also started to put credit freeze on my name, and I requested a number of cards and accounts to be closed. Chase did not close my accounts upon request. Instead they marked them as closed due to bank decision, which is also fraudulent and vindictive. They have since personally blacklisted me to open new cards as a matter of revenge. This action of a multi XXXX dollar profit company against a individual consumer seems unlawful. 


This is not a duplicate, and the issue has not been resolved, and I'm going to continue to submit specifics for this month and every other date that is affected by this until there is a resolution. In XXXXXXXX XXXX XXXX, there were fraudulent charges on all of my Chase credit cards. Although I reported this to Chase, they took no action. Eventually I closed all cards to resolve the identity theft issue. Since that time, Chase refuses to allow me to open a new card or account, even though they are responsible along with me being a victim of identity theft.
Consumer complaint received 2024-08-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

I opened a XXXX XXXX account with Wells Fargo in XXXX. I have made 2 transactions into this account. One is from XXXX, the other is from XXXX XXXX. They told me that both transfers were unauthorized. I told them that both transfers are from my account under my name, and I have bank statements to proof that. They still insisted on closing my account. After my account was closed on XX/XX/XXXX. I did not receive a check for the remaining balance. When I called in to check on the status, Wells Fargo advised me to initiate a fund return from original bank source. I have requested etrade to request a fund return for an amount of {$24000.00} on XX/XX/XXXX. They issued me a case # XXXX. I waited 5 days for funds to return to my account, but it did not happen. When I called Wells Fargo to check on the status, their management told me that account has been closed and there is nothing they can do. I went to the branch where I opened this account. I spoke to branch manager ( XXXX XXXX ). He has opened an escalated customer complaint in his system. I have also filed complaint with OCC ( case # XXXX ). Based on cfpb 's previous record, wells fargo has unlawfully froze 1 million consumer 's accounts based on faulty automated filter 's determinination that there may have been a fraudulent deposit ( ref to attachment )
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2023-04-11
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. (TX)

TransUnion failed to comply with 15 USC 1681s-2 ( b ). TransUnion is civilly liable under 15 USC 1681 ( n ) ( i ) A dispute letter was sent due to inaccurate information being reported and a reinvestigation of the claimed verified information from the furnisher.

TransUnion failed to conduct a reasonable procedure by their own industry standard of Metro 2. TransUnion failed the Metro 2 standard requirement to report the full DOFD a ECOA requirement code -37 which is a violation of code. ECOA requires the date of first delinquency to report the month/date/year, not just the month and year as being reported.

TransUnion failed to report the account type as credit card code 18. The account type being reported as charge off/collection which is not an account type. TransUnion failed to report consecutive 24 months of payment history. Failing to report accurately presents willful noncompliance. 
In conclusion, TransUnion has failed to conduct a reasonable investigation as required per 15 USC 1681s-2 ( b ) Due to your inaccurate reporting and failure to comply with 15 USC 1681s-2 ( b ), I received damages and harm due with a recent denial for a home loan. Because I was not able to secure a home loan, my family and I moved to temporary housing until I was able to secure permanent housing. My family and I also suffered a loss of days at work and school, moving expenses and losses of utility transfer fees and deposits.

Therefore under 15 USC 1681n TransUnion is liable for actual damages, {$1000.00} violation and punitive damages.
Consumer complaint received 2022-02-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/2022 I was made aware of a delinquent account showing with XXXX XXXX XXXX. I received the contact information to pursue the account and made contact with the creditor, Bank of America to obtain information that was being reported. Bank of America simply stated that I had a balance of {$120.00} but did not divulge what it was for. I explained that I currently am not working and asked for a settlement and they denied me. I asked for proof and the information obtained was incorrect that they had on file.
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (GA)

On XXXX XXXX I sent out a certified letter to all credit bureaus in regards to these accounts with XXXX and Navient. total alleged debt with XXXX is about {$140000.00}. Total alleged debt with Navient is about {$20000.00}. Both of these Federal loan companies have been reporting inaccuracies with different open dates, transactions and payments or non payments on my credit report for over 15 years. According to U.S cod 1681 a definition of rules of construction sec 2 exclusions except a provided in paragraph 3 the term consumer report does not include these terms. Containing information solely as to transactions. between the consumer and the person making the transactions report shall be excluded. XXXX and Navient are in violations of my rights as a consumer by including transactions on my credit report. U.S. code 6802 They failed to give me documentations to opt-out reporting to a non-affilated 3rd party prior to them reporting to all credit bureaus They are also in violation of the ground mission bleil act of 6801. This has caused tremendous pain on my life a mother supporting her family. I would like these loans and transactions off of each my credit report with XXXX, XXXX and XXXX. I would also like to seek for damages due to the violations for almost 20 years of my life of pain and suffering
Consumer complaint received 2023-03-06
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. (MI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report. The following accounts are incorrect and/or have errors that need to be corrected : XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXXXXXX Late Payment Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off AccounXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXXXXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXXXXXX Latepayment Account XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX Collection Account The aforementioned accounts contain errors and are not accurately reflected on my credit report. I am requesting that you investigate these items and remove any inaccurate information. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information on a consumer 's credit report is accurate, complete, and verifiable. If there are any inaccuracies or errors on my credit report, it is my right to dispute these items and have them corrected or removed. 

I have attached documentation to support my claim, including proof of payments, correspondence, and receipts. I ask that you investigate these accounts in a timely manner and provide me with a written response of your findings. 

These inaccuracies have caused me great emotional distress, as I have worked hard to maintain a good credit score. I urge you to correct these items as soon as possible so that I can continue to pursue my financial goals and dreams. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Denefits LLC (FL)

I purchased a XXXX XXXX training package. Part of the reason for the purchase was for the training. But the thing that caused me to purchase that training package when I did was that XXXX himself offered a loan through Denefits. 

XXXX positioned it for those ( like me at the time ) as a way to rebuild my credit. The promise was the Denefits would be reporting to all three credit companies. 

I purchased the package. Received the training. Made all payments on time. However Denefits reported only to XXXX ( and did not do that properly ) and XXXX, but did not report to XXXX at all. 

When I attempted to resolve this with Denefits by XXXX XXXX Complaint and phone, I was simply blown off. 

Original loan amount was {$4900.00} XXXX # was XXXX Furthermore Denefits did did not report the XXXX amount to XXXX.