davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

1. Clients Personal Information : - Full Name - XXXX XXXX - ID NO. / Driver License - XXXX - Date of Birth - XX/XX/XXXX - Country - USA - Address - XXXX XXXX XXXX XXXX. XXXX, FL XXXX - Phone Number - XXXX - Email Address - XXXX XXXX. Information About the Fraud : - Fraudulent Entity ( ies ) Name ( s )- if any - Company name " Goway '' - Fraudulent Entity ( ies ) Domain ( s ), or simply : scam website- if any - gowayagents.com ( I will attached the screenshot in this email ) - Total Amount Lost and Currency - $ XXXX - Payment Method ( s ) ( Wire Transfer / Credit Card / Debit Card / ACH / XXXX ) - XXXX XXXX XXXXXXXX XXXX  ) - Credit/Debit Card ( s ) Type ( XXXX / XXXX / XXXX ) - Debit - Number of Transactions ( the transactions to the scammer or the scammer 's wallet, and NOT from a client 's bank to an intermediary ) - 17+ - Date of First Transaction - XX/XX/XXXXXXXX XXXX  Date of Last Transaction - XX/XX/XXXXXXXX XXXX Financial Institutions Involved - Wells Fargo ( I have withdraw money from XXXX and put it to Wells Fargo and also I have transfer money from XXXX XXXX XXXXXXXX to Wells Fargo as well ) =========XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XXXX {$100.00} XXXX {$500.00} XXXX {$3600.00} XXXX {$7400.00} XXXX {$80.00} XXXX {$3200.00} XXXX {$2500.00} XXXX {$3000.00} XXXX {$1500.00} XXXX {$7300.00} XXXX {$3500.00} XXXX {$42.00} XXXX {$3500.00} XXXX {$1100.00} XXXX {$7400.00} XXXX {$3400.00} Total : {$48000.00} ================= XXXX transfer from XXXX to WellsFargo XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$11000.00} XXXX from XXXX to WellsFargo XXXX {$1500.00} XXXX {$600.00} XXXX {$250.00} Total : {$2300.00} =========================== Online Web Transfer from XXXX to WellsFargo XX/XX/XXXX {$2500.00} ========================== XXXX  to XXXX XXXX {$1000.00} XXXX {$54.00} XXXX {$150.00} XXXX : {$1200.00} ======================== Bank transfer XXXX XXXX XXXXXXXX cash credit card to WellsFargo XXXX {$10000.00} XXXX= Cash Withdraw from XXXX XXXX {$2500.00} XXXX {$9000.00} XXXX {$6000.00} XXXX {$4000.00} XXXX {$1000.00} XXXX {$8000.00} XXXX {$8000.00} XXXX {$1000.00} XXXX {$1000.00} Total : {$40000.00} ================================ Cash deposit to WellsFargo XXXX {$8100.00} XXXX {$1200.00} XXXX {$3900.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$150.00} XXXX {$900.00} XXXX {$100.00} XXXX {$8000.00} XXXX {$3900.00} XXXX {$3900.00} Total : {$36000.00} ============================ XXXX ATM XXXX {$5100.00} XXXX {$5500.00} XXXX {$520.00} XXXX {$520.00} Total : {$11000.00}
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am writing to demand the immediate deletion of the XXXXXXXX XXXX  XXXX account from my credit report due to multiple discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are obligated to ensure that all information contained in consumer reports is accurate, complete, and verifiable. 

Upon reviewing my credit report, I have identified the following discrepancies that render the XXXX XXXX  XXXX account inaccurately reported : Credit Limit Discrepancy ( XXXX Report ) : The XXXX report lists a credit limit of {$0.00}, whereas the TransUnion and XXXX reports correctly list the credit limit as {$1700.00}. This discrepancy indicates a failure to report accurate information. 

Date of Last Payment Discrepancy : TransUnion reports the date of last payment as XX/XX/year>, while XXXX reports it as XX/XX/year>. The inconsistency in payment dates between the credit bureaus is unacceptable and misleading. 

Account Activity Discrepancy : The account 's last activity date is reported as XX/XX/year>, by TransUnion, and as XX/XX/year>, by XXXX. Such conflicting information suggests that the account is not being reported accurately. 

Incomplete High Credit Information ( XXXX Report ) : The XXXX report fails to list the high credit amount, unlike TransUnion and XXXX, which both report the high credit as {$2300.00}. This omission demonstrates a clear lack of completeness in reporting.
Consumer complaint received 2024-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

For the past couple of months, I have been dealing with an issue with not being able to log into my TransUnion account. Ive made it very clear to TransUnion over and over that I cant get in. They cant get in the issue needs to be fixed every time I speak with someone they keep transferring me over to over to people and then when you express how upset you are, they get upset they talk to you. They hang up on you and then they have attitudes when you call back. This is very, not a customer service company and theyre dealing with my personal credit. Ive been needing this because I was attempting to buy a house after I finish some other personal issues and I cant get into my personal account. I swear XXXX needs to be fixed. I have attached a picture of the message. I received all of the time it says that I can not get past the security questions, but I have not ever been brought up to the security questions. Their system is blocking me out.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. ()

After reviewing a copy of my credit report, I contacted the XXXX XXXX in XXXX of 2023 regarding my Auto Loan payment history. I asked them to contact Equifax to reinsert the previously deleted material. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX said they would contact the credit bureaus to solve this. This account is hurting my ability to obtain credit. 
I understand that you will investigate all parties involved to verify its accuracy : ( Account Number : XXXX & Account Name : Auto Loan )
Consumer complaint received 2024-10-07
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Western-Shamrock Corporation (TX)

My daughter an myself have a loan account with Wester Shamrock Corp. My daughter fell behind in one payment which I paid in XX/XX/2024. Continuing calling me to tell my daughter to call them. I put in writing to stop calling me, but they continued to do so. I have documented times and calls.In XXXX I sent another letter stating my XXXX payment would be late not to call me again about my daughter or my bill. But the calls and coming to the hous continue. I ha XXXX put everything in writing.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (FL)

I earned a total of {$1300.00} in rewards. I requested that this amount be transferred to my bank account back in XX/XX/year>. I have documentation to show, " Reward transfer Status '', but the money was never transferred to the account. Immediately after contacting XXXX, they removed the amount earned from the rewards account. 

To date, all I am getting for them are teasers to take a survey to access the rewards. However, when I tried the survey, the account didn't show anything about getting the rewards already earned. 


I am not the only person experiencing this problem. There are many like myself venting their frustration about XXXX online.
Consumer complaint received 2024-08-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX XX/XX/year> without my knowledge Merrill XXXX closed my XXXX account and mailed me the check ( as they state ). The check was mailed to the old address so I never received it. 

I discovered what happened on XX/XX/XXXX and called them. My account was showing XXXX and telling me it was closed. The representative told me they closed it due to the information not updated on time. I did update my info online using BoFa portal since they called me before and asked to update that info. Also she told me they're reordering the check for me and have to charge me {$25.00} for reissuing it. I disputed the charge and they waived it. 

I called back on XX/XX/XXXX and heard the same thing. 

Within XXXX weeks nothing happened. I called again on XX/XX/XXXX, was told pretty much the same thing. 

In between the second and third call I visited the branch and was told to wait. Still nothing. 

I visited the branch on XX/XX/XXXX, was told the same thing again, also that I had to call back on XX/XX/XXXX to make sure they lifted the restriction from my account and reissue the check again which I did. I called the bank on XX/XX/XXXX. 

When I visited the branch on XX/XX/XXXX I asked the representative - XXXX XXXX to file a complaint to the bank from me. He said he did that and I'd receive a call within XXXX hours. I haven't received the call. I did more research on XX/XX/XXXX and found out that although BoFA had my correct info Merrill didn't have my correct phone number. So I fixed this issue when called the bank as instructed on XX/XX/XXXX. I emphasized again I wanted to talk to the bank to file the complaint that I couldn't get my funds within over than 2 months! The rep told me they'd call me within XXXX hours. 

Today is XX/XX/XXXX. Still nobody called me from the bank and I haven't received my check.
Consumer complaint received 2024-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX and XX/XX/XXXX, a number of fraudulent XXXX charges were made using my checking account/debit card. I called Chase to have this rectified about XX/XX/XXXX. I explained that the XXXX  charges between those dates will not made by me. 

However, Chase decided to cancel all of my transactions made during that time, including some legitimate ones. To my knowledge, I did not request this. This included {$4500.00} made out to the XXXX XXXX XXXX XXXXXXXX for my XXXX XXXX. My account was credited for all purchases made, legitimate and illegitimate, between XX/XX/XXXX and XX/XX/XXXX. 

I called again a few days later ( I can't recall exact date ), to ask that the credits for my legitimate transactions, especially my tuition, be reversed. I was told that when the investigation ended they would receive their money, and that I had requested the reversals. ( To my knowledge, I did not. ) On XX/XX/XXXX, the {$4500.00} credit was removed from my account, presumably sent to the XXXX. At this point, the original {$4500.00} I paid should have been in the XXXX  's hands, as the credit back to me was reversed. 

Recently, my XXXX XXXX XXXX told me that I had not paid for my XXXX XXXX I called Chase bank on XX/XX/XXXX to tell them the merchant had not received any money, but that it had been removed from my account. I was informed that the funds were removed, disbursed, and definitely sent to the XXXX. 

The XXXX XXXX XXXX XXXX  still could not find the payment, even with the date of the payment provided. They asked me to call Chase and get more information on the transaction. I called Chase ( Still XX/XX/XXXX ), who once again told me that the money had been sent out. I asked for details on the transaction so that the XXXX  could locate my payment. 

After an extended hold, they did not provide me with this information, rather that the XXXX  would receive the money in 3 to 5 business days, as they were sending it again. They said they would send it again if it was still not received. 

As of today, XX/XX/XXXX, the XXXX  still does not have any payment from me. The {$4500.00} has been removed from my account but has not gone to the XXXX XXXX XXXX XXXX XXXX. I would like to get this rectified, and either have my {$4500.00} returned to me or sent to the XXXX. I have contacted the bank a total of 4 times, and spent a good part of my time reexplaining the problem.
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. (DE)

In the results of your Previous investigations, you stated in your CFPB Response that you verified that these items are being reported correctly? That the Inquiries were factual?? Your refusal to delete UNVERIFIED information from my consumer file, and show me written consent that these Inquiries are mine FACTUAL DATA, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED Inquries listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously and or previous CFPB COMPLAINTS will also become part of a formal complaint to the Federal Trade Commission. I have attached a IDENITY THEFT REPORT WITH THE FTC ATTACHED HERE TODAY, which will be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests and a CFPB REPORT, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).? FACTUAL DATA, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. Again these Inquries are not mine, I am unfamiliar with them and do not and have not conducted any business with these increase. I demand that you remove them at once.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I have been trying to convey to these accounts that are in collections that they do not belong to me. The following is the accounts I want removed from my credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts show as collections and closed accounts because I never opened them nor used them Someone used my information and opened these accounts without my consent I am asking to please remove them from my credit they have destroyed my prospects of ever buying a home or even a decent car
Consumer complaint received 2023-08-18
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. (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.

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 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ 1 ] of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- [ i ] promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately XXXX 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

Greetings, Ed Financial has never process my auto-payments and repeatedly dismisses requests for correction sent to XXXX. I believe this is a deliberate effort to avoid honoring the XXXX XXXX interest rate deduction they advertise for auto-pay at : XXXX XXXX XXXX XXXX EdFinancial will not accept autopay while XXXX relief is in effect. 
?? XXXX Enrolled in auto-pay. 
XX/XX/XXXX EdFinancial notified me that payments will resume in XXXX. 
XX/XX/XXXX XXXX auto-pay does not occur. 
XXXX? ? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XX/XX/XXXX. 
XX/XX/XXXX Auto-pay does not occur. 
XXXX?? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XXXX. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX I re-enrolled in auto-pay, EdFinancial estimates start date of XXXX. 
XX/XX/XXXX I opened a support ticket for non-functional auto-pay. 
XX/XX/XXXX EdFinancial support informed me it takes XXXX billing cycles for auto-pay to take effect and estimated next auto-pay date on website autopay section is meaningless. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX I opened a support ticket for non-functional auto-pay. 
XX/XX/XXXX EdFinancial support informed me account is in administrative forbearance, which pauses payments. 
XX/XX/XXXX Auto-pay does not occur. 
XX/XX/XXXX Auto-pay does not occur. 
XXXX? ? XXXX EdFinancial delivers past-due notice for XXXX. 
XX/XX/XXXX I opened support ticket for non-functional auto-pay. 

Any assistance you can provide would be greatly appreciated.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. 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 paymen t reported in 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 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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