davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/year>, I was victim of scam and was requested to send an international wire transfer in the amount of {$2900.00} USD. I initiated the wire transfer that same day and the availability date was XX/XX/year>. 
The scammers pretended to be a well-known travel agency in XXXX. 

On XX/XX/XXXX, I still didnt know it was a scam. They said they had a system issue and I needed to send the same amount again and they would send back the first wire. So, I initiated a wire transfer on XX/XX/year> at XXXX XXXX XXXX  for the same amount of {$2900.00} USD. The availability date was XX/XX/year>. 

On the morning of XX/XX/year>, I discovered that this was a scam. I immediately contacted my bank, Wells Fargo, and provided them with all the details. Wells Fargo submitted XXXX claims for the transactions ( Claim Numbers : XXXX and XXXX ) and assured me that they would request a recall from the beneficiary bank, XXXX, in XXXX. This was done within XXXX hours of initiating the second wire transfer. 

Subsequently, I also filed a claim with the CFPB to ensure timely handling of the matter ( CFBP Case Number : XXXX ). I received confirmation from Wells Fargo that they had received my CFPB claim and were handling my claims accordingly. Based on this communication, I felt assured that Wells Fargo was addressing the issue, particularly the recall process. 

However, on XX/XX/year>, I received an email from Wells Fargo indicating that they had submitted the recall request only on XX/XX/year>. This was after both availability dates and XXXX business days after I had submitted my claims. My concern is the significant delay in submitting the recall request. 

Wells Fargo has since closed the case, stating that the outcome now depends on the beneficiary bank. While I understand that the final decision depends of the beneficiary bank, I firmly believe that Wells Fargo could have expedited the recall request, especially before the availability dates, to increase the chances of recovering my funds.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo on XX/XX/year> I received a email saying my credit card payment was due by XXXX pm on XX/XX/year> no amount was given they said I could sign up to automatically pay or make a payment to pay my credit card payment
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (KY)

XX/XX/year> someone took over my cell phone # and got all my information and applied for XXXX credit cards XXXX ) JPMorgan Chase XXXX ) XXXX XXXX  XXXX I realized someone had taken over m y identity within 4 hours of it happening. 
I contacted both creiditors on XX/XX/year> I also contacted the XXXX Credit Bureaus. 
The inquiries were only removed from 1 credit report. The inquiries are still showing on XXXX XXXX and XXXX. This is causing my car insurance to go up. Ive called the creditors. They say they've reported it to the credit bureaus to remove the inquiries. The Credit Bureaus keep asking for info I do not have to be sent to them. A FTC report. Please advise.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

XXXX XXXX Someone used my online nordstrom and macys accounts and made several purchases. Luckily I was able to get all the credits back from chase after I report for credit card fraudulent except XXXX transaction that was made from XXXX accout it was already picked up from the store. Transaction date is XXXX {$1800.00}. I was even traveling during that time i came back to the states on XXXX. 
Paypal denied for unauthorized transaction on that one. Also doesnt want to provide me any type of evidence or documentations.chase asked me for more documents and evidence when I cant get from anywhere. I even went to police station and reported for credit card fraudulent as identity theft the report number is # XXXX It doesnt seem either of paypal and chase wants to be responsible for this case and they want me to prove that it was not authorized by me. I even provided my boarding pass and stamps from passport that I was not in in the country during that event.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (WV)

I received an email the XXXX XXXX telling me someone was trying to get in my account.I call the bank and tell it was not me and not to let anybody change my information and this happened at XXXX XXXX  the scammer call them and they only verified my name, data of birth and my ss and not security code at the back of my card.The scammer get in my account after I report the issue and get in my account with out the right information and the customer service did not follow the note they suppose to do to secure my account and it been 10 day with out my money.
Consumer complaint received 2023-10-10
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. (TN)

I strongly request that you act quickly to eliminate the unauthorized inquiries from my credit report. They are causing significant distress and I have supplied the necessary documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC. (MI)

NAVIENT Navient has been reporting the wrong information since XXXX from the emails received. Navient account was reviewed on XXXX and the school they are reporting is XXXX University. I was a student at XXXX University starting XX/XX/XXXX. The loan disbursement date on the Navient account is XXXX. I did not attend XXXX University in XXXX. Navient has been reporting this false information for 3 years ( or more ), which has taken a toll on my credit report. I have been receiving calls between XXXX XXXX - XXXX XXXX every day except Sundays, and I know they know it is a violation to contact consumers several times a day. Per the FRCA, it is my right to ensure that information is being reported accurately.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion is the only credit bureau that refuses to remove unverified information from my credit report. For the past two years, I have requested original documentation of a creditor, yet Transunion has not provided it to date. They continue to place a negative/adverse account on my credit report that is unverifiable, despite requests for valid info. This has not only lowered my credit score, but also prevented me from obtaining the best financial resources I can receive. They have refused to remove old information from my credit report and allow unauthorized inquiries. This is credit harrassment and bondage. I have a 780 - 792 credit score with XXXX and XXXX, however a XXXX with Transunion. Big Difference!! I pride myself on having a diverse credit mixture with a timely payment status.
Consumer complaint received 2023-10-10
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. (NC)

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Since there have been multiple violations of the necessary reporting requirements, my report 's data can not be reliable and full. Having stated that, I dispute your accusations and challenge you to show me your justification for including this incomplete negative information on my credit report. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You're violating on my rights! In this document, I've outlined my worries regarding your reporting. You must certify that all required FCRA/Metro 2 compliance is done honestly, correctly ( on time ), completely, and accurately as well, otherwise I will have to escalate these issues to the CFPB, FTC, and my Attorney General. It is not complete and does not meet my standards as required by law.
Consumer complaint received 2023-10-11
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: Experian Information Solutions Inc. (MD)

Today, XX/XX/2023, I contacted Experian about an issue accessing my credit report. My credit information was pulled on XX/XX/2023 by a creditor through whom I was making a major purchase. The creditor told me that the credit bureaus were " unable to verify my identity. '' I called Experian and they were unhelpful. They refused to provide me with a copy of my current credit report via email despite being able to confirm all of the personal information that they have on file with me was accurate. They said they needed to send it for a " deep dive '' to their " back office '' and suggested I call back in 3-5 business days. Requests for further information were not answered. Demands to escalate the issue to supervisors were ignored. I was hung up on twice ( once by an agent, once by a supervisor ) and spent over 2 and a half hours on the phone with Experian with absolutely zero solution offered. Experian is recklessly failing to report accurate credit information when it is requested, which will drastically impact the lives of consumers all across the country. Experian MUST be able to provide better information about how they internally manage their customer 's information -- if my accurate information is not being generated pursuant to a standard inquiry, Experian is violating consumer protection laws.
Consumer complaint received 2018-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

Certegy, XXXX 's chech cashing verifying service apparently has information under my consumer file that isn't mine. I was turned away from cashing a check from work twice. When attempting to inquire/remove the information I received no response. After numerous failed attempts I still can not cash a check from work any where that would use the same service to verify a check. I would like this information to be removed and any debt that coincides with it, in hopes that I may not have to drive all over just to cash my church and pay my bills.
Consumer complaint received 2018-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/XXXX applied for line of credit home equity loan with Bank of America XX/XX/XXXX received letter from BofA disapproving loan application due to debt is high relative to income and " based in whole or part on information in credit report from XXXX XXXX ''. This was incredible given my qualifications for the XXXX or XXXX HELOC, including about 900k in equity, about 800k in savings ( IRA ), and credit rating of XXXX.

The letter also informed me of my right to request disclosure of information used to make this illogical decision.

XX/XX/XXXX I sent written request to BofA exercising my right to request disclosure of information used to deny me the loan, including information from XXXX XXXX that was used to disapprove my application. I requested the information be provided by XX/XX/XXXX.

XX/XX/XXXX I sent letter to BofA formally requesting withdrawal of my loan application and demanding that BofA not place any type of lean on my property. I informed them that I am still awaiting information requested in my XX/XX/XXXX that I expected by XX/XX/XXXX.

XX/XX/XXXX I still have not received requested information as I was informed I have a right to receive.
Consumer complaint received 2023-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION (NC)

XXXX OPEN XX/XX/23 debt dispute, company failed to respond to dispute and reported a late payment without the debt being validated and with refusal of remittances. Company is in dishonor, is a threat to the public interest and is deliberately causing injury. Company is in violation of security fraud. Mail fraud and theft.
Consumer complaint received 2023-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2024-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

I am writing to formally appeal the decision to permanently limit my PayPal account, which is associated with the email address XXXX. I believe this limitation was placed on my account by mistake and would like to provide some information for your consideration. 

Firstly, I have always adhered to PayPals policies and guidelines. At no point have I engaged in any activities that would violate these policies. I am confident that my account activity has been in full compliance with PayPals terms of service. 

Given this, I kindly request that you re-investigate my case. I am willing to provide any additional information or documentation necessary to facilitate this review. It is my hope that a thorough re-evaluation will reveal that my account was mistakenly flagged and will lead to the restoration of my account. 

I greatly value PayPals services and rely on them for both personal and professional transactions. The limitation on my account has caused significant inconvenience, and I am eager to have this issue resolved as soon as possible. 

Thank you for your attention to this matter. I look forward to your prompt response and the opportunity to continue using PayPals services without restriction.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

I've tried to fix my personal information upon my file from experian. I've sent several disputes for them to correct my information and still I notice no change to my credit report. I only have one name and one address. Reporting inaccurate information after put on notice is a violation. As well as reporting incorrect information knowingly under 15 usc 1681.
Consumer complaint received 2023-10-10
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. (NC)

SENT IN A LETTER VIA PRIORITY MAIL IN ATTEMPT TO REMOVE INQUIRIES THAT RESULT IN THE FORM OF IDENTITY THEFT. THE COMPANIES HAVE FAILED TO RESPOND OR ACKNOWLEDGE MY LETTER AND MY PHONE CALLS TO GET HELP REMOVING THESE INQUIRIES THAT ARE CAUSING ME DENIALS. THIS IS A VIOLATION OF MY RIGHTS PER FCRA. IF THESE ARE NOT REMOVED IN 30 DAYS I WILL PROCEED WITH ARBITRATION AND EXPECT TO BE COMPENSATED
Consumer complaint received 2021-07-30
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. (TN)

My student loans had gone in default and were transferred to a collection company- back in XX/XX/XXXXI setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middleXX/XX/XXXX into my loans that are out of default and back to being processed through XXXX XXXX and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.
Consumer complaint received 2023-08-11
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 have made numerous attempts to correct this issue with XXXX through the complaints/disputes filed with the 3 credit bureaus ( Transunion, XXXX, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Consumer complaint received 2023-04-13
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.