davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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
Consumer complaint received 2023-08-07
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. (TX)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (NY)

This is a complaint against Wise, formerly known as TransferWise. 

I made a money transaction on WIse on XX/XX/ to purchase a designer handbag in the amount of USD XXXX ( {$8000.00} for the bag + XXXX Wise fees ). Transfer was completed on XX/XX/, the recipient received the money. On XX/XX/, I received the handbag. On XX/XX/, I received the authentication results that the bag is a knockoff, fake, counterfeit bag. I contacted the scammer ( aka the recipient of the money on Wise XXXX, there was no response ever since. 

On XX/XX/, I filed a police report through U.S. Federal Trade Commission. I also reported the scam to Wise on their website. 

On XXXX, I called my bank and reported the scam to them and they said they will investigate and do a reverse withdrawal if necessary. 

XX/XX/, my bank initiated the reverse withdrawal. 

XX/XX/, Wise responded to my scam report, straight denying that it was a scam, and they do not handle disputes among their customers. So no actions were taken by Wise in this scam. Also on XX/XX/, they demanded me to pay them back the money I got scam after my bank did the reverse withdrawal. 

I told them the scammer ( aka the recipient of the money ) is liable to pay Wise back the money, not me, the victim. After a few other communications with Wise, they sent me a final formal notice on XXXX, that I am liable to pay them back the money I got scam.
Consumer complaint received 2024-01-31
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA (IL)

Spoke with Marcus about our account CoD being charged taxes and then not getting the interest on the taxes withheld. First they said it was because we did not sign the e-signature, then they found the e-signature. Then they said the IRS requested it because of a 1042-s but we are not foreign born nationals so that makes no sense. Then they said it was IRS requested but we have multiple CoDs with them and none of the others are being asked to withhold taxes. We also requested that Marcus provide us documentation of any communication from the IRS around the requirement to withhold taxes on our account. They told us we needed to call the IRS and provide them proof we are not required to have taxes withheld.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MO)

My identity was stolen by my ex XXXX XXXX, she allows her new boyfriend to get a fake ID in my name however, my name was spelled wrong on the ID the dummy spelled my name XXXX XXXX and not XXXX XXXX. They use my information to get goods, services and loans, when I was made aware of this I was told how to lock my credit report so no one can use it. I filed a police report and advised the credit report agencies, that the account via Wells Fargo auto loan was a fraudulent. However, they never took it off my report so I saw it still on my credit report advise them and they saying that Wells Fargo said it was factual or something so they gave me their number I called them and advised them but still nothing has happened.
Consumer complaint received 2024-07-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

On XX/XX/2024 I tried to open a basic checking account with Capital One but was denied and without even waiting for a response from the bank, I am 100 % certain it was because of some bogus " deposit score '' calculated by XXXX XXXX since this exact same thing happened to me XXXX years ago. I make over XXXX XXXXXXXX, my current XXXX score is over XXXX, i.e., EXCELLENT, and I have NEVER had a delinquent bank account. The account I tried to open is a deposit account and there is no justification whatsoever to be denied based upon my income and credit score, not some arbitrary " deposit score '' assigned by an unaccountable and UNREACHABLE agency ( I repeatedly tried to speak with someone in charge at XXXX XXXX XXXX years ago to no avail ). These consumer reporting companies ( NOT credit reporting agencies ) need to be held to much higher standards. 

I'm not going to waste my time speaking to a useless front line Capital One rep who won't be able to resolve this. Someone in a position of authority needs to call me, look at my overall financial profile, and open this account.
Consumer complaint received 2023-08-28
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: EQUIFAX, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (AZ)

on XXXX  I attempted to have funds wired from my IRA account with XXXX XXXX to my brother-in-law 's checking account with Chase Bank. The money was wired in two separate amounts because the IRA consists of two mutual funds. Unfortunately, I made an error in the account number. XXXX corrected the error for one of the transfers, but apparently not in time for the second one. When the first wire transfer went through, the deposited amount was {$50.00} less than the sent amount, but there was no explanation for the discrepancy. When the second wire transfer was returned to XXXX, it was missing {$85.00}. I have called Chase several times as well as messaging them via XXXX. Unfortunately, they will not deal with me since I am not the owner of the recipient account. My brother-in-law has also tried to resolve the problem with them. He was told by a Chase representative the two {$50.00} charges were because the transfer was an International transfer. When I told this to XXXX, they said that the name of the bank they use is XXXX XXXX, but it is based in New York, so there was not an International transfer. Apparently, the other {$35.00} was due to the account number error making the total amount missing in the return {$85.00}.
Consumer complaint received 2024-01-15
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. (NJ)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX  I received a notification that my credit score dropped XXXX points due to a 30-day missed payment. I have been a loyal customer of American Express for 4 years and have not missed a payment with the exception of this. This was a card that was not actively in use and was tied to a XXXX app that charged a {$6.00} charge. The payment was made immediately after seeing the credit drop and American Express stated that they can not assist in sending the Credit Bureau a letter to explain the situation. I would like to have this removed from the credit report as this was a one-time mistake and there should be leniency considering that a payment has not been missed in 4 years.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (IL)

Mohela is refusing to abide by rules set by the US Department of Education. According to Studentaid.gov, the earliest date for recertifying an IDR plan is XX/XX/XXXX. However, despite this guidance, my Mohela account shows a recertification date of XX/XX/XXXX, and Mohela has stated that they will not be pushing out this date, despite my pointing out the Department of Education 's guidance. 

Website : https : //studentaid.govXXXX XXXX XXXX XXXX When do I have to recertify my IDR plan? The earliest you could be required to recertify is XXXX XXXX XXXX On your account ~~My Aid~~ page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX XXXX, that date will be pushed out to XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Continental Finance Company, LLC (NY)

I was given a promotional offer which stated a {$300.00} Dollar increase for my XXXX XXXX XXXX. The offer stated that the offer was already pre-approved. The credit card company and the credit bureau subsequently rejected my request for an increase per agreement.
Consumer complaint received 2024-01-31
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: Experian Information Solutions Inc. (MI)

XXXXI 've spoken to XXXX  XXXX XXXX XXXX multiple times and told them to remove this inquiry and I have also spoken to experian. They have no record of any inquiry in my name that I have authorized in writing or otherwise. It has to be removed. I've contacted the phone number they provided me and they're fraud department and they still have not removed it. The attachment shows clearly the inquiry!
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In XX/XX/2014 My wallet was lost that included my drivers license, social security caard, and other forms of identificaiton outside of my house and since then there have been several fraudulent account opened in my name student loans, utilitiy bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Consumer complaint received 2023-05-10
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. (FL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

TransUnion has reported on my credit report an old account that keeps showing up on my credit report, I've attempted numerous time to explain and dispute with TransUnion that the account XXXXXXXX XXXX account ending for the amount of XXXX XXXX and XXXX Dollars, Is an Old Account and to please take off my credit report. TransUnion fails to do a proper investigation with no reason on why this old account is still on my credit report. One year the account XXXXXXXX XXXX ending in in the amount of XXXX XXXX and XXXX Dollars, will disappear and next it will show back up. Please Note : that Transunion, and XXXX both have different balance of this same account proof of that is is in the CFPB portal Having two different balance on the same account between XXXX and TransUnion is a violation through the Fair Credit Reporting Act. 

Transunion showing in the amount of {$110.00} XXXX showing in the amount of {$120.00}
Consumer complaint received 2023-11-07
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. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (NC)

My wife called me from our home, she was on the computer and she told me that Wells Fargo had sent an alert to our home computer that someone may be trying to hack into our account. ( suspicious activity alert ) She called me and I immediately called the bank and spoke with a gentleman who confirmed that {$990.00} had been withdrawn from my account - WHILE we were speaking he asked me if I was making a {$3400.00} charge on my account. I said NO - especially since I was speaking with him on the phone and not buying anything. He said he had stopped that charge but was not sure he could reverse the {$990.00} cash withdrawal even though it had just happened. After a couple of weeks the bank informed me that they could not/would not return the {$990.00} to my account because it was a " legitimate '' withdrawal. I questioned how that could be when I was on the phone while this crime was being committed. The banks eventual rationalization was - " a trusted device was used by the perpetrator '' and since I could not prove that was NOT me is must be me. I told them that is what the justice calls fraud. I have spent hours, days on the phone with the bank, bank vice president, service persons pleading my case. I have filed 5 different complaint issues, been " recorded '' on the phone with at least 7 persons affiliated with the fraud division ALL have agreed with me and only the supervisor has denied my pleas. Even a loan officer and the bank Vice President have filed complaints on my behalf and all have been denied. Even one of the complaint persons ( ALL on recorded lines ) I told my story gave me advice on how to re-file and re-word the issue to get satisfaction. They say the trusted device had a phone number ending in XXXX. I assume now that this fraud was perpetrated a hacker that got into me computer and opened up a XXXX account. This employee said he recognized the pattern of opening up a XXXX account waiting two months then making a withdrawal. He said to explain this to XXXX XXXX the person hearing and denying my case. He said this was a common way to take out money, not to try and take out the money immediately but wait a while. I told them I did not fraudulently take {$990.00} from my own account. How would I benefit from creating a fraud against myself. Strangely enough this same bank hired me 15 years ago when it was XXXX  XXXX  and I sold securities and opened up accounts for this bank. My credentials have to be immaculate and spotless to work in a bank. I have a high profile in my community and this is a dangerous black mark I can not abide with. Pleas help, I have been trying to work with this bank for two months, to no avail.