davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MD)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally lodge a complaint against Wells Fargo regarding their handling of a recent fraudulent wire transfer incident that occurred on XXXX. 

I received a call from someone claiming to be from Wells Fargo ( the number was the actual WF number XXXX ), stating there was wire fraud in progress. They asked to verify my identity and instructed me to add a case manager 's name XXXX XXXX and acct number ( XXXX XXXX ) with my billing address to my recipients under the wire. They proceeded to tell me to enter the exact amount with the incorrect billing it will cancel each other out but confirm I am the real account holder. They claimed it was an outbound-only call and insisted I couldn't call back without risking the release of {$8700.00} to the alleged fraudster named XXXX XXXX XXXX Despite skepticism, I proceeded, then realized it was a scam, called Wells Fargo on a different phone. When I called Wells Fargo the fraudster was on mute and said they could see that I was calling into the call center which made me believe they were real so i hung up. Followed their instructions till I couldn't take it anymore Called WF back and kept fraudster on mute and they didn't stop the transaction. They advised me to block the WF number, filed a claim.

I immediately took the necessary steps by reporting the incident to the Federal Trade Commission, Maryland Attorney General, and the FBI. However, despite my prompt action, the fraudulent transfer to a XXXX XXXX XXXX account was not halted in a timely manner. 

During the incident, I engaged with a Wells Fargo agent named XXXX, who, regrettably, did not take the necessary steps to prevent the unauthorized transfer. Instead of advising a block on the transaction, I was instructed to report the claim, leading to a delay in stopping the transfer. 

Furthermore, my concern deepens due to the lack of cybersecurity measures in place that allowed this fraudulent activity to proceed unchecked. I am troubled by the apparent knowledge that Wells Fargo may have about such specific types of fraudulent wire transfers, raising questions about the adequacy of their efforts to protect loyal customers. 

Additionally, I am dismayed by the absence of XXXX disclosures associated with this incident. It is my understanding that such disclosures are crucial in ensuring transparency and accountability, especially in cases of financial fraud. 

I am reaching out to the Consumer Financial Protection Bureau to request a thorough investigation into this matter and to seek guidance on the steps Wells Fargo should take to prevent similar incidents in the future. I trust that your intervention will not only address my concerns but also contribute to enhancing the overall security and customer protection measures within the banking industry. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Consumer complaint received 2024-01-30
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. (NY)

The deletion or blocking of accounts resulting from a data breach and unauthorized inquiries is governed by FCRA Section 605B, specifically addressing the blockage of information arising from fraud or data breaches [ 15 U.S.C. 1681c-2 ]. Additionally, FCRA Section 604 outlines the permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. 
I am writing to formally dispute the presence of accounts on my consumer credit report, as referenced below, which stem from data breaches or fraudulent activities. I request tangible, verifiable evidence that bears my signature or electronic signature. I emphasize that this correspondence represents my interests, and I kindly request your thorough review. These actions were undertaken without my authorization, thus infringing upon my consumer rights as defined by the Fair Credit Reporting Act, Section 605B [ 15 U.S.C. 1681c-2 ] and Section 604 [ 15 U.S.C. 1681b ]. 
It has come to my attention that these companies initiated these actions without proper validation or original documentation from any of the reporting entities. 
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, TX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX  Listed below are the Collections that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-08-19
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: Experian Information Solutions Inc. (IL)

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 2024-05-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First National Collection Bureau, Inc. (LA)

First National Credit Bureau is attempting to collect on debt from me that I know nothing about. I have never had an agreement with them. I sent them the attached letter asking them to validate the debt by XX/XX/year> and they have failed to respond.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I opened up an account with HSBC. I was with HSBC in the past when I lived in NY and it was under XXXX XXXX  owned and managed by the XXXX XXXX. At that point, XXXX was a great bank and treated me well. IN 2024 I wanted to start again because I liked what I experienced in the past. This time so far I have been treated with disrespect and the bank refuses to return my money to me. What happened was I opened an account and was waiting to use it for direct deposit from my employer. I made a small deposit to see if it worked making check deposits. I waited XXXX to 6 days the check never cleared I stopped payment on it because I saw it was not processing. Since XXXX. I never received an email from HSBC that the deposit went through XXXX. There was never a time frame on how long it would take for the check to clear. For most normal banks it takes XXXX to 2 days. nothing from HSBC. My employer then submitted my direct deposit from my salary. At the same time, HSBC closed my account without notifying me that this was going to happen. Instead of them being mensches and returning the deposit to XXXX so my employers can send me the money in other ways. hey have held on to the deposit when my employer called I called ADP the bank has not helped return my money to any of us. Their excuse is we are in the process of closing your account. I told them to close an account you don't need to hold on to money that does not belong to you. Close it and give me or my employer the money back it has been XXXX weeks and we are still holding here. The customer service is awful there is no communication and I have called them most of their operators sound like XXXX XXXX XXXX they don't speak XXXX there it is like hitting your head against the wall. I have had enough. I want the bank to XXXX  my money to me XXXX or whatever carrier they use and I never want anything to do with this bank again.
Consumer complaint received 2024-01-30
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: LEXISNEXIS (NJ)

I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis due to a lack of response following my dispute submission on XX/XX/23. Despite disputing several items on my consumer report, I have not received any communication or resolution from LexisNexis. 

The disputed items include incorrect names, addresses, and two public records that I believe are inaccurate. I have attached a copy of my dispute letter once again for your reference. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.
Consumer complaint received 2023-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (IL)

Creditor account number XXXX. Letter from afni ( account number is XXXX ) with a balance due of {$80.00}. It is dated XX/XX/23. It claims I owe money on a XXXX account. It has been over 4 year, if any, that my cell phone was with XXXX and much longer than that that I have had a cell phone at this address. 

This is nothing I owe. There is no other identifying language. There is an offer to discount the amount to {$40.00}.
Consumer complaint received 2024-05-28
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: Bread Financial Holdings, Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CCBXXXX, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft fraud laws in Missouri.

It has unequivocally come to my attention that CCB/XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides stringent protections against identity theft and unauthorized use of personal information. Under Missouri Revised Statutes Chapter 570, specifically Section 570.223, it is illegal to use another person 's identifying information with the intent to defraud.

I assert with unwavering certainty that I have not provided consent for CCBXXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CCBXXXX immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws against identity theft and fraud. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CCBXXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, Someone tried to hack my capital one account. So I had it locked but due to it being locked i'm unable to have it unlocked due to not having a ID. Capital one literally won't let me unlock it because they need my State ID. which I don't have or able to get because my account is locked. Everytime I call they ask for my ID even though they know my situation. They asked why I can't buy one because my capital is locked with all my money on it. I'm also unable to buy an ID because of my capital one is locked. Even though support knows they just keep saying when I get a ID step in the Branch. But Again How can I pay for a ID if my bank account is locked. It's been 2 weeks I'm late on my bills Im unable to order food. I'm unable to call a XXXX for work. I need some help
Consumer complaint received 2024-05-28
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (NY)

Was enrolled in classes for a semester that I did not authorize have been passed around by the financial office never recevied any letters regarding the debt, was tried to be placed in a payment plan for debt that was not owed, was sent to an agency without any notice
Consumer complaint received 2024-05-28
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Columbia Debt Recovery refuses to remove unverifiable tradeline from my credit report. I have provided all motorized documentation to Comlumbia Debt Recovery but the tradeline still appears on my report.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX AV XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (CA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-28
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION (TX)

I had an Auto loan from Sun Trust bank which later merged into Truist bank and i was on an auto pay for the payment. For my monthly payment of {$250.00} i was auto paying {$300.00} and with no communication or information while switching from one bank to another the payment did not processed as the bank changed their banking information without informing me through a personal contact. 
They informed me of no payment after 2 months and after posting a payment delinquencies to my credit. When i contacted XXXX they did not took the responsibility to contact me with the new bank info or to set up my auto pay account again, instead they did nothing to fix this complain. 
I never had late payments to anyone, in fact i was making a {$50.00} additional payment towards my preset auto loan. I tried calling them and after checking the records they also confirmed this happened but are not fixing this at all. 

I want TRuist bank to fix this ASAP and take this late payment off from my credit account which is impacting my credit scores and is also impacting negatively my credit image to the whole world.
Consumer complaint received 2024-05-28
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: GOLDMAN SACHS BANK USA (NY)

I purchased pants from XXXX  & quickly realized that the address was an address I have not lived in since 2022. I reached out to the customer support team at XXXX  and they told me to reach out the XXXX to have the address updated. XXXX said they can not update the address since I do not live at the address. I went back to the merchant and they told me to go back to XXXX. At this point the package had shipped & was delivered to the old address. I reached out to the old address & they said they sent it back to the merchant since I do not live at that address. I reach back out to the merchant a week later and there was no update & they refused to refund. This is when I escalated it to my credit card, Apple Card, & disputed it. The first time I disputed, according to the chat specialist, it was denied because the information I provided showing proof I have not lived at that address since XXXX  was never added. The second time it was denied, it was supposedly because the information was not added correctly. This third time it was supposedly denied was because it was again not added correctly. It has now been denied a fourth time & I am unable to connect with someone who had more information on why it keeps getting denied when I have clearly shown I have not lived at that address since XXXX.
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

I have a bank with Citi bank and its been nothing but XXXX. First, they have an unlock and lock option, so everytime I make a purchase Ill wait for it to go through, and lock my card so that no other merchant takes it. On Thursday XX/XX/year> my account went into XXXX because they said the card locked feature did not work and I was charged twice on accident by the same 3 mechants. They said it would take 7 business days for it to fall off. I think thats so irresponsible. After that, my card remained locked and A OTHER MERCHANT was still able to take {$30.00} out of my account, I called and made a dispute but that did nothing being as they already made my account $ XXXX. This morning I wake up to see if my direct deposit has hit, I get paid every Tuesday by unemployment so theyre always on time and it is no longer a holiday, I log in and they are no longer giving me access to log in, theyre saying I need a verification code but the kicker is I havent received my direct deposit so I am unable to pay my phone bill hence receiving their code, I told them all of this and begged for help told them I needed all of my money and my account back to regular and they do not care. They said my only option now is to go to a bank physically but there is nothing near me like literally just ATMS. I feel so terrible entrusting this bank with my funds and my money, its a terrible feeling I wouldnt wish on anyone I dont know what to do I am my only support system and today is actually my birthday so happy birthday to me : )