davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.
Consumer complaint received 2024-05-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I was scammed by a fraud email from XXXX stating I sent money to XXXX XXXX for {$350.00}. XXXX is the tranfer account I used with my Wells Fargo Banking. 
The representve stated his name was XXXX XXXX, email address XXXX and to call tool free Customer Support XXXX ( XXXX ) XXXX. 
He also gave me his call back # XXXX should the line drop and His ID # XXXX. 
Lead me to open my computer to cancel this transaction which ended up in a wire transfer of {$24000.00}. As soon as I saw this on my account as pending I notifed Wells Fargo and they locked my banking accoutns so I was also locked out for a week. 
I found out later the wire transfer went through. Wells fargo was unable to stop it and sent me a letter stating my respondsiblity and they could not refund the wire transfer. 
I can set doucuments later of the email, Wells Fargo denile letter, and bank statement showing pending transaction of {$24000.00}. I feel they did not react soon enough. 
I am the POA on this accout.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (VA)

I'm a XXXX XXXX  and I started using XXXX ( WePay ) to bill my clients in 2023. 

The first payments happened normally, but I noticed that my third and fourth invoice sent at the beginning of XXXX, despite being marked as paid, never entered my account. 

XX/XX/2023 : I opened a ticket with XXXX support to understand what was happening. ticket # XXXX XX/XX/2023 : They answered me saying : " I can see that you used WePay to process XXXX Payments and XXXX for another one. Although WePay and XXXX are different companies, we are able to reach out to them on your behalf. I have opened a ticket with WePay in regard to the whereabouts of the Payments for Invoices XXXX & XXXX. Once I have an update I will let you know. '' XX/XX/2023 : They send me this answer : " As promised, I reached out to WePay on your behalf and this is what they had to say : We apologize for the inconvenience, but WePay is no longer able to process payments for this account. We're held to strict guidelines on what we can and can not process through our site. After a standard review of their account, our Trust and Safety team has determined that we will not be able to provide them with our services. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. After the 120 calendar day timeframe, our Trust & Safety team will review the account again to determine if the funds can be released.I hope this provides the clarification you were looking for. Unfortunately, it seems WePay will hold these funds. I understand this can be frustrating and affects you as well as your business. Taking into account the circumstances, I would advise you to appeal WePay 's decision by sending an email to XXXX. You can read more about Merchant Appeals here. If you're interested, you can also reach out directly to WePay here. '' XX/XX/2023 : I opened a ticket ( ( # XXXX ) with WePay saying : For some reason, I didnt receive XXXX invoices. I contacted XXXX, and they said WePay is holding my money. I want to understand why the money is being held and how I can resolve this situation. 

XX/XX/2023 : They answered me : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2023 ''. 

I can't understand why my money is being arrested and my client said she paid with her debit card.
Consumer complaint received 2023-04-22
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. (CA)

This is my NUMEROUS 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 account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$37000.00}
Consumer complaint received 2023-09-24
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. (MS)

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. with accounts 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  Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2023-10-23
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. (TX)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX ;
Consumer complaint received 2022-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The accounts with XXXX that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Consumer complaint received 2024-03-20
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. Under 15 USC 1666B this is a billing error always payed as agreed on time this is an error this account in violation. 
XXXX XXXX  Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX  Please remove it from my credit report. 

3. The following personal information is incorrect Former : XXXX XXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ). 

Sincerely yours, XXXX XXXX
Consumer complaint received 2023-11-22
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I never opened a capital one walmart credit card, never signed Agreement to have this account opened in my name, I have come to find out that you have gave someone a credit card in my name, and now it's in bad standing..this is not my account and I never agreed to have this account opened in my name, ,please remove from my credit report. All history please.
Consumer complaint received 2023-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

I filed a dispute with chime on XXXX. XXXX is regards to unauthorized charges totaling XXXX. I notice the authorized charges when I got my phone back because it was stolen. Chime email me back today stating no error occurred very vague email with no detail informed i was original told that I would be giving a Provisional credit by XX/XX/XXXX. Now my claim is denied for charges I didnt make while my phone is stolen rent is due this week now i dont know what to do at this point
Consumer complaint received 2024-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

In 2022, I was victim of identity theft/hacking. I immediately contacted the bank ( Wells Fargo ) and asked to put a freeze on any contact via phone or internet, however I quickly checked and realized they did not do it properly, and despite my best efforts fraud and attempted fraud was still occurring. I had already contacted the fraud department in the first day or two, but nothing was done and I was told to go to the branch ( XXXX XXXX XXXX ) where despite having an IC3 report and a report from XXXX I was told the soonest they would change my account number was the following week. Being angry, I took my money out and opened a new account at a different bank nearby and filed a complaint with Wells Fargo executive case management office ( case ID # XXXX ) and closed my account at the appointment the following week being forced to pay {$100.00}. My daughter who was just shy of XXXX at the time asked to leave her XXXX checking open because she didnt have all the information needed to re open a new account, so I agreed, however shortly after she turned XXXX, I went to check on her XXXX account and realized she had a pending check for {$1500.00}. Knowing that she didnt have access to this much money and as a XXXX no one in our family would have given her that money, I looked online and to my horror it was a check for a home care agency from Indiana- which shes never been out of California in her life- and the signatures werent even remotely similar. Because the check still showed as pending I quickly called Wells Fargos fraud department and alerted them to the situation since they had both my and my daughters signature on file. I was told that they would not be treating it as fraud and was threatened by the employee in the fraud department that I would be held responsible since I was the only person who was over XXXX on the account. Two days later the check was released from pending to paid status and eventually I received a letter stating that I was responsible for the altered/fictitious check I filed a new complaint with Wells Fargo executive case management office ( case id # XXXX ) however it has been assigned to the same case manager as the first complaint, and I have reached out to her numerous times with my documentation and also to ask for updates, yet she has not been transparent with the investigation.
Consumer complaint received 2023-11-22
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: EQUIFAX, INC. (NJ)

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Send large check for payment. After 6 days, I became concerned because the payment had not posted. I stopped payment on the check out of concern and called Cap One to let them know my concern. Cap one acknowledged receipt of my original check but said it not been processed. I three way conferenced with my bank XXXX XXXX and Cap One. I ask them to go ahead and process my payment to avoid any late fees. They basically said and asked me to resend a 2nd check which would make me past due. This caused unwarranted late fees and I fear a hit on my credit rating. In a nutshell they were so hateful and totaling unwilling to just work with me. I am XXXX XXXX XXXX and battling XXXX XXXX. This has caused so much unnecessary stress. I mentioned that I would potentially file a complaint with the CFPB and they essentially just laughed in my face.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (GA)

The account in question violates my rights as a consumer and pursuant to the legal authority 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) as the consumer reporting agency, you have failed to uphold your legal responsibilities. Pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, this account reports alleged late payments that have not been verified or proven per to the legal authority 15 U.S.C. 1666 ( a ) and ( b ). As a result, and pursuant to the legal authority 15 U.S. Code 1681i ( a ) ( 5 ) ( A ) the consumer reporting agency shall promptly delete an item found to be inaccurate, incomplete or can not be verified. The reporting of negative transactions pertaining to this account violates 16 CFR 313.4 313.9 without my permission and portrays me in a false light without proof of claim. My Account Name and Number : AFFIRM INC ACCT # XXXX
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (IL)

XXXX weeks ago recived my credit repor and noticed 5 accounts open thats not my 1like this accounts to b removed and investigated listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
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. (FL)

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX  XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # # # # XXXX Claim number for data breach : XXXX Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (MO)

I contacted the credit bureau after I made the complaint through cfvp and they refuse to give me my credit report that refusing me my credit score they told me I needed to send in all sorts of forms of identification approve I was me before they would even give me my score or my report but other people are able to access it constantly and utilize it apparently
Consumer complaint received 2023-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I recently left a job at the XXXX of XXXX XXXX where I had a pension worth {$24000.00}. The pension company they use called XXXX issued me a check for that amount to transfer over to my XXXX XXXX XXXX  XXXX. I deposited the check in my Chase Business Checking account with the intent of transferring it over to my XXXX. Chase then shut down the Business checking account because the pension check was addressed to XXXX for the benefit of XXXX XXXX ( myself ). Chase is now withholding those funds and not giving me any way to retrieve those funds. They are not willing to return those funds to the original issuer of the check either. I have been pursuing this for almost three months and Chase refuses to release those funds, which they are keeping captive. 

Chase said the pension company, XXXX, needs to file a claim in order for Chase to return those funds to them. XXXX is unwilling to do that since the check has already been successfully deposited. Chase then stated that they need XXXX to sign a release of liability- which XXXX is unwilling to do. Chase is giving me no other solution to recovering the {$24000.00} - essentially stating that they are going to keep that money.