davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX, Trans Union, XXXX. Has cause damage to my Honorable name XXXX XXXX XXXX reporting XXXX accounts in XXXX XXXX XXXX XXXX and Social Security XXXX XXXX I XXXX XXXX XXXX, XXXX man, Secured XXXX Creditor ( UCC XXXX No XXXX XXXX ) XXXX XXXX XXXX is XXXX that XXXX XXXX XXXX XXXX their records and recording be changed to reflect perfect XXXX XXXX per XXXX XXXX XXXX XXXX credit needs to be extended per my Constitutional Rights. If any documents are need for proof of XXXX provide email and written notice. Thank you for up holding your Oath to the XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

Bank of America decided that they would be closing my accounts due to risk over a returned check from another institution. I have repeatedly asked them to at minimum make it where I can withdraw the funds in the account from my local branch and it has been denied. I asked them to cease the closure of my account, as I've been a customer since XXXX also denied. They are telling me that my accounts will be closed on XX/XX/XXXX, and I must wait another 15 days after that to receive a cashier 's check in the mail. I told them that I wanted to close the accounts myself and not wait until they close it to receive the funds in my account, and they also told me I wasn't able to do that. They initially locked my account on XX/XX/XXXX right after I received my direct deposit and are telling me I can't get the funds until XX/XX/XXXX at the minimum. I guess they think that I don't have bills to pay or need food to eat in that two-month time period.
Consumer complaint received 2023-07-11
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: Experian Information Solutions Inc. (CA)

Ive been disputing the validity of an account with experian since XX/XX/XXXX and experian keeps validating this account. I filed a complaint with the CFPB on XX/XX/XXXX experian took 60 days to respond to my account telling CFPB the account is validated and accurate on XX/XX/XXXX and sent me a predated credit report by mail with the date XX/XX/XXXX. Which contradicts their email sent on XX/XX/XXXX saying they're still working on it I even called experian on XX/XX/XXXX and the rep told me to disregard the report sent with the date XX/XX/XXXX because she was unsure why they sent that being that the account is still under investigation. It is XX/XX/XXXX and that account still says under investigation on the experian website in the dispute center. I sent in a complete break down of this said account and why its inaccurate so there is possibly no way to validate an account that I have a receipt for every single thing. These people do not do their job and I truly believe they cause us harm to sale our information for profit. They are not here for the consumer instead to hurt the consumer for profit. Because as long as my credit score is lower my interest rates are higher and its a profit.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV Funding LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt.

**Lack of Opportunity to Dispute Debt** Despite being approached by LVNV Funding LLC , regarding an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it.

**Request for Certified Mail Receipt** Per 15 USC 1692g , debt collectors are obligated to furnish consumers with a written notice within five days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV Funding LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in New XXXX It has come to my attention that LVNV Funding LLC , lacks authorization to pursue debt collections in New Jersey , my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

XXXX : Urgent Request for Account Removal from Credit Files To the Discover Card XXXX XXXX, I am writing to address the continued presence of an account on my credit files, which your office previously indicated would be removed. Despite my efforts to resolve this matter, it remains unresolved. Regrettably, due to my XXXX, I am unable to manage this account and associated purchases. It is important to emphasize that the account balance and account ownership are not mine. I urgently request the permanent removal of this account from all credit reports. Enclosed are the requisite documents, including a police report, an FTC affidavit, and XXXX verification, along with numerous dispute letters. 

Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX Dear Discover XXXX  Team, I am writing to address the issue with my account at Discover XXXX XXXX. I have noticed that you have been deducting payments for this account, even though there is a balance on the account that does not belong to me. I have tried to bring this to your attention, but you have been unresponsive. 

In addition, you had sent me a letter in XX/XX/year>, advising that this account would be removed from my credit files and that I wouldn't be responsible for it. However, you are now trying to hold me responsible for it, which is not correct. I have continuously followed up with you and have even filed a complaint, but you have yet to resolve the matter. 

I would like to request that all payments deducted from my account by Discover be refunded to me. If this matter is not resolved, I will be forced to claim with FTC and CFPB. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXX AM To : XXXX XXXX XXXX Discover Financial Services XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Re : DISCOVER CARD FRAUD COMPLAINT I have reviewed my updated credit report and noticed that the Discover Card Bank account is still showing. Despite receiving multiple deletion letter requests from both Discover and myself, this account and balance do not belong to me. 

I kindly request that you remove this account from my credit files and comply with the rules and regulations for credit card issuing. 

Thank you for your assistance. 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX Sent : Friday, XX/XX/year> XXXX AM To : XXXX XXXX XXXX Discover Financial Services XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX  XXXX XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$1200.00}
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK (CA)

SCOVER BANK This account is currently under dispute under dispute Account info Account name DISCOVER BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$390.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$130.00} Credit limit {$15000.00} Highest balance {$6900.00} Terms - Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due 30 days
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (GA)

A significant wire transfer destined for my Wells Fargo account was dispatched by a buyer as part of a real estate transaction. The transfer was frozen by Wells Fargo for no reason and is still frozen even after fighting with them for three weeks. They claim it's part of OFAC but this was a domestic transfer from a simple real estate transaction between two parties with long-standing banking relationships. Here are the details : The wire was sent following a real estate closing on XX/XX/XXXX. After no notification of the wire 's arrival, I was initially reassured by my local branch that processing could take a day or two. Simple enough, right? Wrong. As days ticked by with no funds and no explanations, the closure of my real estate deal hung in the balance. 

Seeking answers, I returned to my branch only to encounter a lack of urgency and information. The staff speculated that a minor typo in my name might be the culprit. Even after the sender corrected this and resubmitted the wire, resolution remained elusive. Frustrated, I escalated my concerns through an online complaint and multiple calls to customer service, who shockingly had no record of the pending transaction. Their advice? It was probably an " branch-to-branch '' transfer, and I should sort it out locally. 

So I went back to my local Wells Fargo branch located in XXXX, GA. There I overhear a tense conversation between my banker rep and the corporate wire department about my transfer being held by their compliance office dealing with foreign assets. Why a domestic wire transfer was entangled in regulations designed for international disputes was beyond me. Maybe a case of mistaken identity or a software glitch? The local banker had no answers. Desperate for closure, I suggested they simply return the funds to the sender but they insisted they could not do that and had to complete their " investigation ''. 

After another week, and multiple unreturned voice mails and emails, I turned to social media for help. This move prompted a formal acknowledgment from Wells Fargo 's escalation team, who cited the ongoing investigation. However, the escalation team deemed the case closed once they explained the process, and failed to make any mention of the wires actual status. They offered no explanation of next steps, leaving me in a state of limbo and a real estate transaction that is in danger of falling through thanks to my bank 's total disregard for the law and basic customer service. 

Today, as I still wait for resolution three weeks from the date of my closing, Im left pondering the ethics and legality of Wells Fargo 's actions, still fighting for whats rightfully mine. Please HELP!
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Amex, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : American Express Card acct # XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus account. The aforementioned account reported, is unfamiliar to me. The Account listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc. (NY)

On XX/XX/XXXX I used Cash App to send {$1600.00} to XXXX XXXX thinking that I was sending it to XXXX XXXX ( my landlord ) whom I send the same amount to every month. 
Unfortunately, this time around I sent the payment to a wrong person who has the same name and last name than my landlord. When I opened the app to send the funds I was offered the option of sending them to a person whose ID is not the one of the proper recipient and I did not notice it. I just instinctively assumed this was the ID of my landlord and I sent the funds. 
The next day when I realized my mistake, I contacted Cash App customer support to reverse the payment but they stated that they were unable to do so and suggested asking this stranger I wrongfully paid for the funds back. I did twice and the person never sent me the funds back. 
Cash App opened a case ( # XXXX ) and has been sleeping on the situation. This was my hard earned money and it was due for my rent which is now delayed and causing me a lot of stress. 
PLEASE help me get my money back. This was a good faith mistake and I should have been refunded by this dishonest app user whom I do not know and who has the same name than the person I send the funds to every month! 
Thank you in advance for your valuable time and help.
Consumer complaint received 2024-06-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (CA)

I had transferred money from my checking account to my XXXX account, which totaled out to be {$330.00}, that same day I went to a local store to make a purchase for {$32.00}, once I put my card Iin the machine it said declined, I couldn't understand why, so I did it again, it said declined again, I was totally confused and frustrated, so I XXXX searched for XXXX XXXX phone number, the person I was on the phone with said that there was suspicious activity on my account therefore they were going to proceed to find out why that was, well after few minutes verifying my with them. they said everything was fine, I guess it was because they took every dime out of my account.
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked 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 of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I have been renting a vehicle since the XXXX  week of XX/XX/year> at XXXX each week. Each XXXX  week of every month, XXXX  has a policy called a " rewrite '' where i would purchase another week but its required a XXXX dollar deposit thats refundable in a return via the bank 3 to 5 business days. 
Each month ive received this except XX/XX/XXXX. I spoke to the bank many times and I was told they dont see a return. I was told to speak with the claims department and fax in proof of the invoice where I shouldve received it. No response after a few days, I later was told by an agent to file a dispute to speed up the process and they will give you a temporary credit. They did give me XXXX back but later the bank made false statements to XXXX. Eventually XXXX  contacted me via mail requesting me to pay them. I spoke with the claims department and a lady claim she would escalate this problem to fix it. Per business with XXXX, Im still doing the same thing today as of XX/XX/year>. Friday XX/XX/XXXX i went to do another rewrite and I was denied renting and to continue renting the vehicle I was forced to pay them that same XXXX the bank NEVER RETURNED to me in the beginning. XXXX did nothing wrongBank of America was suppose to VERIFY what I sent as proof that a return was not done. Instead they disputed XXXX on my behalf which was falsely done. The bank owes me. Its documented in their system.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXXXXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2024 I reported there was a check that I mailed, which somehow was cashed fraudulently. The receiving contacted me that they had not received the check, I immediately contacted Wells Fargo and filed a claim. Wells Fargo has delayed investigating in a timely manner and restoring the funds, I am a 37 year customer and have been given the run around with staff. I have escalated my complaint, was told I would receive a follow up response in a couple of days and its been over a month.
Consumer complaint received 2024-06-10
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: DOLLAR MUTUAL BANCORP (OH)

I filed bankruptcy previous to moving out of my home. I moved in XX/XX/XXXX. A while after I moved. Dollar Bank sent a strange man not identifying himself to my resident asking me to sign a check. I refused. XX/XX/XXXX I received a letter from the State of Ohio Unclaimed funds about a claiming funds and submitting documents. I then gathered the documents requested and sent it to them. However, now they are stating that I need to contact Dollar Bank for a letter because they have claimed rights to the funds the same amount of the check that the strange man ask me to sign in XXXX. I contacted Dollar Bank and was told the person is working from home. No response at this time. Please assist in this matter. Thank you in advance.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc. (FL)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX