davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This account shows I am an authorized user and have a XXXX balance. It is negatively affecting my credit score. I do not know who's account it is. I suspect it is my father but we have been astranged for years. I do not have any XXXX XXXX XXXXXXXX XXXX XXXX or bank accounts and they are unable to locate the account. I do not have the full account number or card and I have no idea who is making the minimum payments. I would like to be removed as an authorized user.
Consumer complaint received 2023-11-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (GA)

I the consumer and natural person was denied credit by American Express company on XXXX XXXXwhen I applied for an American Express gold card. According to the Equal Credit Opportunity Act adverse action against a consumer is against the law which is codified in 15 U.S.C 1691 ( c ) and is pursuant to civil liability under 15 U.S.C 1692 ( k ) due to the response I received by American Express they are subject to criminal liability for violating 15 U.S.C 1692 as I have proof that I was discriminated against due to the response I received. American Express is in violation of 15 u.S.C 1642, 15 U.S.C 1681 ( m ) and 12 CFR 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore, because my social security number which according to 15 U.S.C 1602 ( I ) is defined as a credit card was used and I received no benefit l, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of American Express. If American Express fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make American Express criminally and civilly liable for all actual damages pursuant to 15 U.S.C 1681 ( n ) and 15 U.S.C 1681 ( o ) I will also follow up with an invoice for said violations ( {$1000.00} per violation ) please reply back by written statement only within 5 business days of this notice, Thank you XXXX : XXXX Agent/beneficiary Without prejudice. All natural inalienable rights reserved.
Consumer complaint received 2023-03-25
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. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX  XXXX XXXXXXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$770.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} ; XXXX XXXX XXXX Balance : {$3100.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-09-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (PA)

On Tuesday XX/XX/XXXX, I parked my car in lot next to the soccer field i was XXXX  at. The team is XXXX and XXXX graders. During the practice, someone stole my wallet and cell phone out of my car. When i got home and realized it was taken ( realized because i received alert on my work cell about potential fraud charge on my work XXXX  card ) i began calling all banks that i had accounts with that were in my wallet or on my phone. I felt good after speaking to all accounts that they would take care of charges and transferred. XXXX helped me transfer my cell service back to an older model phone remote lock phone that was stolen and all passwords were changed. Because it was now after XXXX, i waited until first thing in the morning to contact the police and report the theft. 
Banks that were very supportive and helpful included XXXX XXXX, XXXX, XXXX, XXXX. However, Wells Fargo has been the complete opposite. After calling them back on XX/XX/XXXX, I spoke to their fraud team and explained that my wallet and phone were taken and whoever took it was able to access my wells fargo app and transfer money to themselves through XXXX. I saw as all charges were removed from my credit cards and assumed Wells Fargo would do the same. On Saturday XX/XX/XXXX, i received a letter that stated that WF determined that this was my fault and because they were able to hack into my phone it was my fault for not having a strong enough pass code, they were closing investigation and i was out the {$2100.00} that was transferred out of account. To be clear, that was {$1100.00} directly from checking account and another {$1000.00} ( with {$50.00} fee ) that was transferred from credit card that is on acct for overdraft protection. 
I tried calling same day saturday to talk to anyone but no one from online fraud working and i was just transferred from person to person. Today, more of the same, they confirmed what the letter said and said they would tell investigator but they dont call out. they would voice my complaint but case was closed. 
I am obviously disappointed with their findings and frustrated that no one will listen, no call given so i could explain in more detail or answer questions that i in NO WAY authorized any of this and am the victim of identity theft and fraud. Why can every other bank be understanding and work with me yet Wells Fargo just says sorry. I have been with the bank through all of the mergers for 27 years and cant get a phone call back explaining decision even? 

Something about this feels very wrong. If i understand their ruling, this would mean that anyone that has their account hacked it would be their fault? that just can not be the case. happy to answer any other questions that may come of this. 
thanks XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY ()

I visited the Wells Fargo branch at XXXX XXXX XXXX, XXXX XXXX, Va XXXX on Monday, XX/XX/XXXXXXXX XXXX  to complete a wire transfer of {$120000.00} ( my portion of my mother 's bequest ) from my brother 's account to mine at XXXX XXXX XXXX  in the XXXX. The funds left my brother 's account on XX/XX/XXXX but have still not been received into my account over two weeks later. 

I emailed asking for an update/explanation on Wednesday XX/XX/XXXX and have not received a reply. The branch did call my brother on Friday XX/XX/XXXX to tell him that they funds would be in my bank account on Monday XX/XX/XXXX. They were not. 

I contacted my bank to see if they can trace, but they can not. They also confirmed that a wire transfer should take only 4 business days. 

I flew to the US from the XXXX for a weekend for the purpose of receiving my estate cheque and facilitating its arrival in the XXXX as quickly as possible. I never imagined a bank would take advantage of this situation for their own profit.
Consumer complaint received 2023-11-13
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. (OH)

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. has violated my rights. 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. The following is the list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (VA)

I went to review my credit report last year and saw a bankruptcy that didn't belong to me I disputed with credit bureaus and also XXXX XXXX since they were the 3rd party that supplied the information XXXX XXXX agreed it was an error and deleted it off my report., XXXX  deleted it after disputing and sending in my documentation. It is still showing on my Experian and XXXX  credit report. I was told I they verified the information with the courts and I would need to contact them, I contact the courts in writing that was listed and they stated they do not provide any information to the credit bureaus and I would need to contact them to dispute. I sent that documentation in and I was later told they verify the information with a third party ( XXXX XXXX ), who already deleted it from my file and also have file a dispute with the credit bureaus on my behalf and was never responded to. I've had XXXX XXXX file twice a dispute and no one has responded to them. I have had no issue with XXXX.
Consumer complaint received 2023-11-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (OK)

This was supposed to be resolved through the prior complaint with this organization which i believe was XXXX I had my bank wire the agreed funds to Nationstar. Yesterday, i received a check back from nationstar in the amount i wired and an additional collection letter.
Consumer complaint received 2024-01-25
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (OR)

I contacted relia card over and over and over again about my dissatisfaction with the internal policies Making a mandate of Congress ineffective with their internal policies and spending limits I warned them that this is a bad idea because nothing could stop a mandate of Congress once it's voted in especially a third party agency I contacted US bank they said they don't have anything to do with relia card even though the debit card was given to us has USYes Bank on it I told them about my confusion they said there's nothing they can do.
Consumer complaint received 2024-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (CO)

Aargon Collection Agency first contacted me on XX/XX/XXXX about the debt in question, and I requested the validation letter. However they failed to provide the information to me within the requisite amount of time, a point I mentioned when they contacted me again on XX/XX/XXXX. Debt collectors are required to send within 5 days of first contact, yet the validation letter they sent was postmarked on XX/XX/XXXX. When I stated this they tried to claim that they " had to wait to get the information from them because of HIPPA laws '', when HIPPA does not restrict communication between debt collectors and care providers. The first person I spoke to that day even claimed they sent the letter out on XX/XX/XXXX, which is also a lie. They are now trying to collect on a debt that is outside the window of time they are required to abide by. I have also attached audio of my second phone conversation from the XXXX with them. As I am living in Colorado I am allowed to record due to the 1 party consent laws in CO.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is in regard following account ; Alleged Creditor XXXX XXXX XXXX XXXX  Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

On XX/XX/2018 I sent a letter to Equifax and XXXX  notifying them about several unauthorized credit inquiries on my credit report and requested they remove all of them. Equifax received the letter on XX/XX/2018 and XXXX  received the letter on XX/XX/2018 according to the green certified return receipt card. As of today, XX/XX/2018 Equifax and XXXX have failed to respond witha written letter norhave they deleted the unauthorized credit inquiries which is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2024-03-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

RBFCU processes my paycheck a day early and advertise as processing direct deposit paycheck up to XXXX days early. I am a single mom who just graduated and moved to a different city and have been relying on short term loans to buy groceries and pay bills until I can get ahead. These short term loans are deducted from my account on the day I get paid based on past direct deposits from my employer, which has happened every Thursday. This payday my paycheck went through on Friday as opposed to Thursday. When the short term loan payments went through some were included with a curtesy fee program, accruing charges of {$24.00}. The next few transactions were declined and also assessed {$24.00} insufficient funds fees. In total I was charged XXXX fees totaling {$160.00}. I spoke with RBFCU and they said that my direct deposit wasnt sent to them until Friday. I asked what time it was sent and they couldnt give me a specific time. They refused to reverse any fees, despite no previous overdraft fees or insufficient funds fees.
Consumer complaint received 2023-04-28
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. (PA)

There has been unauthorized sharing of my personal information with unauthorized third-party agencies such as XXXX, Equifax, XXXX and more. I never authorized sharing my transaction history. This is a direct violation of my rights according to the consumer law that Congress passed to protect me. In section 1681a ( exclusions ), it states reports containing information solely as to transactions or experiences between the consumer and the person making the report shall not be included on the consumer report. My privacy is huge and it has been violated.
Consumer complaint received 2023-08-29
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. (SC)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance : {$100.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$690.00}
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (IL)

I called in regards to fraud and they made a claim. The lady stated I had to pay the card off first as they would send to collections but once the claim is approved I would receive a check for the highlighted items which ran around XXXX dollars. I never received anything other than the claim was approved. I called again and the lady stated she would send the check, however, nothing was sent. Ive spent many hours on the phone with people telling me there is nothing they can do and that I should have never paid the card off. I submitted the documents and did what I was told by customer service and the fraud department and yet I am out nearly {$4000.00} of purchases I did not buy.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

XX/XX/XXXX, there was a XXXX credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my Experian credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with XXXX ( the card company ). 

In XXXX, I started reporting the issues to Experian. Around XX/XX/XXXX, I contacted XXXX fraud and they said they would open an investigation. Since then, I have not heard from XXXX and my XXXX XXXX is still low and the Experian site still lists the card as having debt under my name.
Consumer complaint received 2022-12-20
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. (AR)

Im submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following accounts and information off from my Credit File : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$690.00} XXXX  XXXX  XXX Opened XXXX XXXX, XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Inquiry Date XXXX. XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX  Inquiry Date XXXX. XXXX, XXXX XXXX XXXX Date XXXX. XXXX, XXXX FIRST XXXX BANK Inquiry : XXXX XXXX, XXXX. I have read thatt according to the Fair Credit Reporting Act section 605b, you are required by law to remove any acounts and information that resulted due to identity theft, so please comply with the law.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2022-12-20
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. (FL)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation (GA)

I have been disputing world finance for a long time now, and they keep changing their remark back-and-forth. I have been requesting a copy of the contract, showing me that it was my debt they were refusing to show me a copy of the contract.