davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was never late paying XXXX XXXX XXXX XXXX I disputed the accounts with XXXX , XXXX  and Transunion but they did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Consumer complaint received 2024-06-21
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. (AZ)

Today XXXX at XXXX Az time I called Equifax because I was unable to login to my account or pull my credit information Despite answering the security questions correctly as well as at XXXX AZ time they sent me a verification step by phone, in which I submitted a copy of my Arizona XXXX XXXX XXXX License, front and back, as well as had to take a live selfie. despite no major difference in my appearance outside of my hair growth, they were unable to verify me. Instead of looking at the picture of my license and selfie, and despite answering several identifying questions such as my full ssn, date of birth, full address, phone number which not only I was calling from but also I know for fact is on my other credit reports. I asked them to look at the pictures that were taken and they said they couldn't. 

The representative and the manager told me that I need to mail a copy of my social security card, front and back of my license, and my issue to restore my account and start the dispute investigation. I asked for the fax number and they said there is not one. I find it ridiculous that they would want me to jeopardize my identity information by sending such documents through the mail. 

My concern is the security risk to my information by mail. More so not being able to get this resolved knowing that specific invalid information that I am trying to dispute is preventing me from moving forward in a process, both in change of residence and change of career, in which I have a very limited window of time to resolve. 

Spoke to supervisor XXXX
Consumer complaint received 2024-07-11
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. (PA)

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this report on my own behalf. According to the Federal Credit Reporting Act ( FCRA ) codes, 15USC 1681-2 ( a ) ( 1 ) & ( a ) ( c ) and 15 USC 1681-B the accounts listed in this report should not be reflected on my credit reports as they directly violate my rights as a federally protected consumer. According to these codes listed in my statement, it is Non permissible for a creditor to report anything under any circumstances, without the proper authorization and prior written approval and instructions from me. No consent constitutes identity theft. So, as a federally protected consumer, I am exercising my rights and demanding the immediate removal and deletion of the listed accounts in this report.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report. The following account COLUMBIA DEBT RECOVERY ( Account Number : XXXX, Original Creditor : XXXX XXXX XXXX XXXXS. Date Opened : XX/XX/year>. XXXX {$490.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with XXXX XXXX XXXX XXXX  and I do not have any contract with COLUMBIA DEBT RECOVERY. I have attached a copy of ID and FTC report.
Consumer complaint received 2024-04-29
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXXXXXX XXXX : {$340000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXXXXXX XXXX XXXX XXXX : {$330000.00} XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX Balance : {$340000.00} XXXX XXXX XXXX Balance : {$19000.00}
Consumer complaint received 2019-08-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. ()

good morning. 
my name is XXXX XXXX XXXX from XXXX JPMORGAN CHASE BANK, XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX United States has transferred amounts of money to my bank account in XXXX ( XXXX XXXX XXXX by name XXXX XXXX XXXX, account number XXXX, on XXXX of XX/XX/2019 ),  unfortunately my account above has been closed since I never saved some money anymore. consequently, I have not received the money up to now. 

in accordance, I do need your help to inform the sender Bank, how I can get my money.
Consumer complaint received 2024-06-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX, I purchased {$49.00} in bitcoin with my Venmo balance that I had deposited money into with my bank account prior to purchasing the bitcoin. I was charged a fee of {$1.00} and given {$48.00} usd in bitcoin. I then, attempted to send the {$48.00} to another bitcoin address of mine, but was denied by Venmo requiring a {$65.00} minimum transfer of bitcoin. So, having no use for the bitcoin sitting in the wallet, I sold the bitcoin on XX/XX/year> at XXXX XXXX, with the understanding my funds would be available immediately as promised by Venmo. Once I submitted the transaction, with no for-warning or confirmation, Venmo informs me my funds will be credited to my account in XXXX days due to pending review. Mind you, less than XXXX minutes prior to buying the bitcoin, I submitted drivers license photo, a self portrait photo, and XXXX & XXXX, & successfully confirmed my identity. On XX/XX/year> at XXXX XXXX. XXXX time zone, I contacted a live agent at Venmo requesting the hold be lifted and my money returned immediately. They repeated that the money was being held for further review with no explanation as to why and given no resolution. I am not the first consumer whos had a very similar experience. Upon researching my situation I found many others with the same problem. It is believed Venmo abuses their practices by withholding consumers money to profit more in fees, and interest, specifically when the fees for bitcoin fluctuate, to gain profit off of consumers money.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY (NY)

We went through a loan modification of our mortgage through Wells Fargo roughgly 8 years ago. We had some financial hardships and were trying to work with Wells Fargo to help us stay current on our mortgage and stay in our home. The process was extremely long and frustrating. They kept requesting the same information over and over. We also got assigned 3-4 different people and had to start the process over each time. It finally was resolved and we moved on. 

During Covid when the rates went low, we tried to refinance to help and save some money and time on our mortgage. We were denied by the company we were going through because they said that Wells Fargo reported we were in foreclosure.at one point. I was shocked at this information because it was false. We had worked with Wells Fargo the whole way and never once did not send or did what they requested. So, this caused us to lose out on the historic lower interest rates that could have saved us tXXXX of dollars on the life of our loan. I did try on MULTIPLE occasions to talk with the company. I even asked to speak to supervisors/put in a complaint to them- I got no where. I really feel like that this company did not have our best interest and we are certainly worse off financially because of it. I knew that it was false and felt helpless to do anything about it short of getting a lawyer. 

Recently, we received a letter for Wells Fargo saying that they had identified an error that may have occured relating to the approval and finalization in the loan modification process and they offered us a check of roughly XXXX. They also said we could pursue this further if we feel that they had not made it right based on the amount they sent us. I did call and put my name into the mediation process. A financial friend also told us about your organization and encouraged us to file a complaint after I shared with them our situation. I want other consumers to be aware of what happened to us so these companies learn that there are people behind these phone calls and as a company they need to look out in the best interest of their clients. I really feel like we are owed something from the company because they prevented us from bettering our situation due to their error. 

Thank you for time and consideration with this matter and please contact me with any further information you need to pursue this complaint. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have faced in attempting to correct several late open accounts on my credit report. Despite my diligent efforts, the inaccuracies persist, and I have made multiple attempts to rectify this situation. I would like to bring this matter to your attention in hopes of resolving it promptly. 

I have followed all the proper procedures as outlined in the Fair Credit Reporting Act ( FCRA ) by filing disputes with the credit bureau and providing supporting documentation to substantiate my claims. However, despite my persistent efforts, these inaccuracies remain unresolved, negatively impacting my creditworthiness. 

I understand the importance of accurate credit reporting for individuals like me, who rely on their credit scores for various financial transactions. The inaccuracies on my credit report have resulted in unjust consequences, including higher interest rates and difficulties in obtaining credit. 

I kindly request that you investigate these issues urgently and make the necessary corrections to my credit report. I also request that you provide me with a detailed explanation of the actions taken to rectify these inaccuracies, along with a timeline for their resolution. Please ensure that I receive a written response within the time frame prescribed by the FCRA. 

If my concerns are not addressed promptly and the inaccuracies on my credit report persist, I may have no choice but to seek legal action to protect my rights under the FCRA. Kindly assist me to correct the followiing late open accounts : US DEPARTMENT OF EDU XXXX Opened XXXX XXXXXXXX XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNCOAST CREDIT UNION (FL)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( SUNCST CU - XXXX ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of XXXX XXXX ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( SUNCST CU - XXXX ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated XXXX XXXX and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure 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 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. ''
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX U.S.C 1681 ( section 602 A ) States i have the right to privacy 15 U.S.C 1681 ( Section 604 A Section 2 ) Also states, A consumer reporting agency CAN NOT FURNISH a Account without my WRITTEN CONSENT/INSTRUCTIONS. 

ALL ACCOUNT NUMBERS LISTED BELOW Has violated my rights for furnishing IDENTITY THEFT to UNAFFILIATED 3rd party consumer agency Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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: Experian Information Solutions Inc. (FL)

XXXX has reported that I am a customer of theirs. They claim that I opened an account on XX/XX/XXXX and did not pay it. Therefore, they sent it to collections in XX/XX/XXXX for the amount of {$2200.00}. They state that this account belongs to an address in New Jersey. I have contacted XXXX 5 times over the last month. I have contacted Experian at least as many times. I have talked to everyone from Customer Service to Fraud Department in each company. I have disputed this account with Experian 3 times and each time they state that XXXX has verified that I am the one responsible for this account. The funny thing is, XXXX can not find the account number, XXXX can not find my social security number and I have NEVER been a XXXX customer in my life. Oh, and I have never been to New Jersey. 

The partial account number provided by experian is : XXXX .... 
The address they believe I live at is : XXXX XXXX XXXX XXXX XXXX NJ XXXX So, who in XXXX can produce a contract that I signed? Nobody can ... ..because I am NOT a customer! Experian still maintains that XXXX insists I am a customer and yet they will not provide me with any evidence to that effect. I am tired of wasting my time so I need you to fix this or tell me who to sue for damaging my credit.
Consumer complaint received 2023-11-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX, This information should be added to consumer complaint id : XXXX. 

Wells Fargo stated in the news cyberhackers obtained information creating random accounts from no known information, THAT IS NOT CORRECT. This was Wells Fargo doing- I had a car loan from Wells Fargo back in the early XXXX Wells Fargo repossessed the car- THIS IS WHERE WELLS FARGO GOT MY INFORMATION TO OPEN ACCOUNT 'S WITHOUT MY ACKNOWLEGEMENT. I'VE NEVER HAD ANY ACCOUNTS WITH WELLS FARGO- THIS THE ONLY WAY THEY KNEW MY INFORMATION TO SETUP ACCOUNT ( S ). 

Thank you, XXXX XXXX
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (FL)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX emails to Wells Fargo unclaimed property department requesting information on releasing our condo funds totaling over {$10000.00}. I had three way conversation with bank and our attorney XX/XX/XXXX requesting affidavit release form. All previous inquiries from the bank were answered by a robo message. On statement said account was closed on XX/XX/XXXX.
Consumer complaint received 2024-07-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

On XX/XX/year>, upon successful verification, I created account with XXXX XXXX  ( affiliated with Webster Bank ). I initiated a transfer of {$10000.00} from XXXX Account to XXXX with ACH. Upon learning from several online sources/reviews of scam like and fraudulent tactics by XXXX in the past ( consumers unable to access statements, able to deposit but not withdraw money in accounts, past privacy breaches, ongoing litigation with Webster bank , etc. ) immediately reached out to XXXX to ask the transaction in progress be halted and money returned to XXXX account. XXXX  deceptively claimed that they couldn't do this and doing so XXXX result in up to a month to release funds to XXXX. Trusting the representative to wait a few days, I received confirmation initial funds transfer request from XXXX to XXXX was completed XX/XX/XXXX. I initiated an external transfer out from XXXX account after and received a funds transfer request confirmation, on XX/XX/XXXX. XX/XX/XXXX, I received a notification with no explanation other than that external transfer was denied due to 'insufficient funds ' despite {$100000.00} displaying in XXXX account. Additionally, received a letter in the mail on XX/XX/XXXX displaying a negative {$35.00} in the account and a hold on the account. All throughout these events, reached out numerous times to Webster BankXXXX for assistance and received different information from staff and managers ranging from explanations of new account, extended ACH transfer times, insufficient funds, and requests to wait longer and try the external transfer again. On XX/XX/XXXX, after speaking with XXXX claims department, submitted information asking to investigate and retrieve {$10000.00} that XXXX won't release. XXXX has taken up the claim and investigation is underway, trying to reclaim the funds. WebsterXXXX in response froze my account ( suspended ability for external transfers, no effect on internal ) on XX/XX/XXXX.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC. (MD)

I have made this complaint before, I called the Coporate agent back and never got a response in XXXX weeks, I left voice mails and now that they send an email saying there going to repossess my vehicle, when I call the phone number given and hit the prompts and the extension that was left, it keeps hanging up. So, I get online and got on the chat the lady on the chat tells me she can't help me, and I need to call, I told her I constantly call the number and it's hanging up, and she tells me keep trying back. 

I keep trying to speak with someone, I want to get my account straight. I was not able to make the payment and pay XXXX dollars to get the vehicle fixed at the same time. I have proof that the vehicle was in the shop, and I had to pay to get it fixed. I am Making a payment tomorrow, XX/XX/XXXX of XXXX by XXXX XXXX, and I will be making another payment of XXXX by XXXX XXXX on my next pay date that is XXXX the XXXX and I can then Make a XXXX $ Payment On XXXX Second, by XXXX XXXX. I keep trying to reach out to fix this account, but I can not answer during the day until after XXXX when I get off of work. When I call when I get off I get the run around.