davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd (VA)

i opened my nonprofit bank account with that bank and verified my business on XX/XX/XXXX, after few months the bank provide me an option to open a personal account using the same app with same email and password so i opened a personal account for myself. i used my bank account normally until i received an email from the bank on XX/XX/XXXX, requesting IRS documentation like form 147c to verify the EIN number and i uploaded all the documents requested.

they kept sending a message they could not verify the business and i am not uploading the corrected document, I contacted the IRS to make sure what the bank request and what I uploaded the corrected document, the IRS confirmed. 

after a week or so, they decided to close my account as they kept saying i am not uploading the IRS document they want, the result of closing the business account affect my personal account they closed too.

they don't have customer support here in US to solve issue or appeal, i appeals online multiple times, that i don't have my statements for XXXX tax purposes, i don't have access to my business or personal account and they close it for no clear reasons and no clear path to explain or discuss the topic.
Consumer complaint received 2024-01-30
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Identity Theft occurred. Someone tried to applied credit from Citizens at XXXX XXXX XXXX XXXX, XXXX, RI XXXX and were denied due to " Income requirements are not met ''. 
Letter dated XXXX XXXX XXXX from citizens Financial Group , Inc .
Consumer complaint received 2024-04-29
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. (FL)

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 2023-07-18
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. (NY)

This is my one of my numerous 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 and XXXX XXXX XXXX XXXX.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/year>, I received XXXX Spam Emails. my email is XXXX  emails came to my main email. Most were random phishing emails that stated I signed up for something. XXXX emails came from American Express and stated that I was approved for an American Express Lowes Credit card. I called American express and reported the fraud to them. They are cancelling the card and looking into the matter. Someone had my information and opened up the account using an old mailing address from XXXX XXXX ago. I have since frozen my credit with the XXXX main credit Bureaus. No other credit was applied for but they did show the American Express card that was opened.
Consumer complaint received 2024-01-28
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (CO)

Received an American Express Virtual Reward Card as part of a promotion in XX/XX/2022. Since then, I've tried to use multiple physical stores and online ( without success ). I've called the customer service department several times, and each time, they have told me that it should work and to try again. It never works. Meanwhile, {$3.00} keeps being deducted from my account each month that the money is not used.
Consumer complaint received 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (TX)

I am writing to express my dissatisfaction and frustration with Wells Fargo Bank. I have been a loyal customer of Wells Fargo for over 10 years, and I have always paid my bills on time and maintained a good credit score. 
However, recently I discovered that Wells Fargo has cancelled my ability to repay my XXXX XXXX loan account through their online banking system. This is unacceptable and unfair, as I have been using this feature for years without any problems. I have not received any notice or explanation from Wells Fargo about this change, and I have not violated any terms or conditions of my loan agreement with XXXX XXXX. 
I believe that Wells Fargo has acted in a dictatorial and corrupt manner, and has abused its power and position as a financial institution. Wells Fargo has violated my rights as a consumer and has caused me inconvenience and financial hardship. I have to pay extra fees and charges to use other methods of repayment, and I have to deal with the hassle and stress of managing multiple accounts. 
I demand that Wells Fargo restore my ability to repay my XXXX XXXX loan account through their online banking system immediately. I also request that Wells Fargo apologize for this unjustified and arbitrary action, and compensate me for any losses or damages that I have suffered as a result. 
If Wells Fargo does not respond to my complaint and resolve this issue within 15 days, I will take further legal action and report Wells Fargo to the relevant authorities and regulators. I will also share my negative experience with Wells Fargo with the public and the media, and warn other potential customers to avoid Wells Fargo. 
I hope that Wells Fargo will respect its customers and act with honesty and integrity. I expect a prompt and satisfactory response from Wells Fargo. 
Sincerely XXXX
Consumer complaint received 2024-04-29
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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. 




XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : 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 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 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 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 TransUnion 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 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 XXXXXX/XX/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 2024-01-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

On XX/XX/XXXX, I was looking at my credit report from a credit rating agency. In that report, I noticed an open credit card from an institution that I have never previously transacted with. It appeared that the credit card was successfully opened in XXXX of XXXX. 

I called the institution to report fraud. They asked some questions regarding my identity ( e.g., name, number, address ) and then said they were going to refer this matter to their fraud department. 

Just to reiterate, I have never transacted with this institution and I have never held a credit card with this institution.
Consumer complaint received 2024-01-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TN)

Truist, formerly known as SunTrust bank closed my account in 2021 due to overdraft that I dont recognize. Now I cant bank with anyone due to them reporting on XXXX and XXXX XXXX XXXX for {$180.00} I really need a bank account I havent been able to get one in years. 
Theyre past statute of limitations.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (LA)

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DC)

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 This means that whenever the FCRA is broken, it makes the banking system less effective. Because I decide what is on my consumer report and what is not, this is an invasion of my privacy. If any of my accounts are written off without my writing permission, that is identity theft. 
There are two laws being broken here : 15 U.S. Code 1681b ( 2 ) and 1681c-2. This means that the credit reporting service can be sued in civil court for negligent and willful noncompliance under 15 U.S. Code 1681n. This allows for a {$1000.00} fine per violation for listing my account without my written permission.
Consumer complaint received 2023-07-12
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-29
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. (GA)

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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-04-29
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date of Birth : XX/XX/XXXX SSN : XXXX TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX Dear TRANSUNION, I received a copy of my credit report and am writing to dispute the following information that appears on my TRANSUNION report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  I was never late on this account and its violating 15 U.S. Code 1681a - Definitions ; rules of construction and its making a hardship on my life not eing able to extend my credit extend my credit By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-07-07
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

5. 15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

10. 15 US-CODE XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

11. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Delete this account. 

13. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

16. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

17. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

18. 15 US-CODE 1692E FALSE OR MISLEADING XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2023-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

MOHELA IS IN VIOLATION OF THE ADA ( AMERICANS WITH DISABILITIES ACT ). 
I've tried multiple times via email and the chat option ( when it's available ) to have Mohela apply one month toward my PSLF count. That one month was placed on administrative forbearance ; I've let them know that 34 CFR 685.219 ( c ) ( 2 ) ( v ), passed XX/XX/2022, requires any months where Administrative Forbearance exist is to be applied toward PSLF counts. They continually tell me that the month does not count because of the forbearance. Upon my request to speak to a supervisor, they have told me several times that I can not speak to a supervisor via email or chat ( when it's available ) but that I have to call them. I've explained to them that I am XXXX XXXX XXXX XXXX, so calling will not work. They still refused to have a supervisor respond via email or chat. I also have attempted to " call '' Mohela through TTY. The TTY number XXXX in contacting Mohela does not work. I tried several times and it will go to an automated voice that keeps translating the same message over again and shortly after, the call ends, even though I follow the one prompt on it. Besides being unable to talk to a supervisor, I can not even contact one in any method available to me. Mohela is in violation of the ADA and is subject to a lawsuit as a result of this violation.

In addition to the ADA violation, there's also the violation of 34 CFR 685.219 ( c ) ( 2 ) ( v ) that they won't apply the ONE month toward my count. All I wanted is to have that month counted and as a result of their discriminatory policies, I've discovered the ADA violation.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I hope this letter finds you well. I am contacting you to request updates and corrections to my personal information as currently listed in your records. The accuracy of this information is critical to me, and I appreciate your prompt attention to this matter. 

Please make the following updates to my personal profile : Address Update : Kindly update my residential address to the following : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX Name Correction : Please correct my name to reflect the following accurately : XXXX XXXX Social Security Number Confirmation : For your records my sole social security number ends in:XXXX Date of Birth Confirmation : My correct and only date of birth is : XX/XX/ Telephone Contact Update : My current and only phone number is : XXXX Furthermore, I request the removal of all other addresses associated with my profile that are not deliverable by the U.S. Postal Service. These addresses are inaccuracies and, as such, should be deemed non-reportable under the Fair Credit Reporting Act ( FCRA ). Enclosed, please find copies of my driver 's license, Social Security card, and proof of residence to assist in verifying my identity and supporting the requested changes. I trust that these updates will be reflected promptly and accurately. Should you require any additional information or documentation, please do not hesitate to contact me directly.