davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IN)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, account names : XXXX XXXX # XXXX, account name XXXX XXXX : # XXXX, account name XXXX XXXXXXXX XXXX : # XXXX .XXXX  XXXX bankruptcy discharged reference # XXXX 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.
Consumer complaint received 2023-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I opened an account with Bank of America maybe 45 days ago. XXXX XXXX XXXX XXXX I started shopping more which is expected. Suddenly my card was being blocked on websites without warning or calls from Bank of America. XX/XX/24, I ordered a new card and used XXXX to continue my shopping and Bank of America stopped allowing me to do that or use my money at all. XXXX, I called and spoke/ transferred to about six people including one supervisor. Only one representative was able to assist me to get into my account with a forced authorization code issue that BOA can not send to me because of their system. After asking the supervisor to stop this activity or explain while telling him I would close my account, he retaliated by blocking access to my account. Not sure how a bank can legally do this and play with consumers accounts without reason and after confirming personal information for everyday regular purchases. I dont have time to sit on 20 plus hold for codes for simple purchases.
Consumer complaint received 2023-12-21
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. (NJ)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-12-21
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX XXXX. I am an XXXX XXXX XXXX woman who was duped on the phone by a group of criminals who claimed they were from my bank on XX/XX/2023. They told me that someone had stolen my identity and they would help me to close down all of my accounts. However, after I got off the phone with them, my daughter told me that it was probably a fraudulent call. We immediately froze my bank accounts and called each of my credit card companies. We also filed a police report. When I called Capital One on the night of XX/XX/2023 to report what had happened, they told me there had already been a charge of {$13000.00} and asked if I made that charge. I told them I did not and they removed it from the account. However, after their initial investigation, they put the charge back on my account. Capital One then requested a copy of the police report. I provided them a copy and now they are telling me that their case is closed and that they will not be reversing the charge. They said that because I had " authorized '' the charge, it was not fraud. I told them that I obviously did not " authorize '' the charge because the people on the phone never asked me to authorize a charge and they were lying about who they were. I don't understand why Capital One will not reverse this charge when my bank and all my other credit cards immediately reversed the charges that the criminals made. The charge remains on my account and has now added interest and late fees. I have tried numerous times to contact Capital One and to ask what other information I can provide for them to reverse the charge. They told me the case is closed and they will not reopen it and that I remain responsible for the charge. The last XXXX digits of the case # is XXXX.
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I received a new credit card from Bank of America ( Visa ). I called them because I tried to activate the card and the number was busy multiple times. then receive a letter that my card was frozen. Mind you I have never opened the account. I called B of A and spoke to someone who supposedly cleared the freeze and opened the account. I tried 2 times at 2 different locations to use this card. Both times it got declined. I called again each time being told nothing should be wrong with this card. Yesterday I called again and talked to the fraud department. I was on the phone with them over 1 hour and 30minutes. They told me I had to go to a branch with 2 forms of identification to to unfreeze the card. This has been a headache from day 1. I refuse to do anything. I asked them to cancel the card, they will not. I need help. I do not want this card or any affiliation with Bank of America. I need someone to help me, please? I have wasted 4 plus hours of my life trying to fix this. Bank of America refuses to help me. 

Please help, XXXX XXXX
Consumer complaint received 2024-04-19
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. (NC)

It's taken a lot of time and money to address the following issues : A. INACCURATE INFORMATION ( ADDRESS ) Im requesting that the following address be removed from the report because they are non-mailable address : XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, B. INACCURATE INFORMATION NO PHYSICAL PROOF OF VERIFICATION/VALIDATION OF ANY DOCUMENTS )- I am requesting that these accounts be deleted for the reasons stated : XXXX. Name : XXXX / Account # XXXX / Reason : ( a ) Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX  party without getting permission from me in writing which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 2. Name : XXXX / Account # XXXX / Reason : Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX party without getting permission from me in writing, which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 3. Name : XXXX / Account # XXXX / Reason : Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX party without getting permission from me in writing, which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 4. Name : XXXX XXXX XXXX / Account # XXXX / Reason : ( a ) Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated third party without getting permission from me in writing which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. 5. Name : XXXX XXXX XXXXXXXX XXXX / Account # : XXXX / Reason : ( a ) Failed to send Proof of verification. ( b ) Disclosed nonpublic personal information to a nonaffiliated XXXX party without getting permission from me in writing which is in violation of the Privacy Act of 1974, 15 USC 6802, and 15 U.S.C. 1681. The credit agency stated that these accounts were reinvestigated, and/or verified, however, did not provide physical proof of any documents. One can not go merely on here say. The credit agency shifted the burden to me and instructed me to contact the creditor to verify these accounts. Because of, accuracy a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ) of the FCRA. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA, credit agencies are required to promptly DELETE all information that was not verified. I request that these accounts be deleted immediately.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-04-19
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)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2023-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

This is regarding CFPB Complaint number XXXX. This issue remains unresolved. After I received Nelnets response stating that they need my pay frequency in order to process my SAVE application, I was left with two options 1 ) call them to provide that info, 2 ) email them to provide that info. 

I immediately emailed them and received an automated response basically saying that they wouldnt get back to me because theyre getting too many emails. Then I was on hold for over two hours until I reached someone. I told that agent that I am paid monthly and asked how long it would take for my SAVE application to process and she said 10-15 days. The agents name was XXXX and her code was XXXX. This is the third time over the course of 3+ weeks that Ive been told my application will process in 10-15 days. This is unacceptable and its absolutely unacceptable to wait over 2 hours to speak to someone on the phone. If I hadnt filed a CFPB complaint, I would have never known what was wrong with my application, because Nelnet never sent me a notice about it. XXXX logged a complaint about the insufficient notice during our call yesterday.
Consumer complaint received 2018-12-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MA)

I use MoneyGram to send money to my relatives in XXXX ( XXXX XXXX ) several times per year. My most recent transfer was on XX/XX/2018. MoneyGram promises a free phone call for the sender to inform the recipient about the transfer and to give the recipient the " Reference Number '' for the transfer. When I was about to make the free phone call, I noticed that my receipt did not show the information for the free phone call. The XXXX # plus the PIN that's needed to make the phone call were missing. 
The MoneyGram Receipt Jacket has printed instructions on how to make the phone call, and includes the MoneyGram Customer Service phone number. I called the MoneyGram Customer Service phone number to get the PIN number so I could complete the free phone call. I spent more than 15 minutes being taken through several menu items, none of which applied to my issue. When I finally got to speak to a live person, he informed me that I had the wrong number. He gave me a new number for MoneyGram Customer Service ( different from the customer service number on the receipt and on the receipt jacket ). The person who responded to this second number, told me that he could not give me a PIN number, and that I have to go back to the agency ( XXXX XXXX   ) where I made the money transfer. 
When I contacted XXXX XXXX, they said they do not control the giving out of the PIN numbers, or what's printed on the receipt. All this is controlled by MoneyGram. XXXX XXXX took my information and contacted MoneyGram for an explanation of the situation. XXXX XXXX told me that MoneyGram informed them that they had discontinued the free phone calls from XX/XX/2018. However, I found this to be untrue because I sent money from the same agency on XX/XX/2018, and got the free phone call then. There was no notice that the free phone call would be discontinued. 
I find that whenever I need to contact MoneyGram Customer Service, they usually provide false information. They usually give the customer the run-around to avoid taking responsibility for solving a problem. If MoneyGram does not improve on the way they treat customers, they should not be allowed to continue doing business. I pay them {$9.00} to send {$150.00}, and they pay a very low exchange rate in the destination country. So they are making money on both ends. At least, if they discontinue the free phone call, they should have the decency to be upfront with that information, and not mislead customers.
Consumer complaint received 2024-04-19
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. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-19
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, equifax, and XXXX are all violating 15 U.S code subsection 1681 s-2 responsibilities of furnishers of information to consumers reporting agency. I continue to reach out via certified mail requesting that the errors and these companies are in complete knowledge of the errors yet are still reporting even though there is reasonable cause to believe that the information is inaccurate. They are not reinvestigating the accounts only. Theirs errors in the address in all these accounts, they have not even been update properly as having errors on the report. This has harmed me being able to sustain everyday life and obtain the household valuation needed based of the damage that this is doing to the overall consumer credit report
Consumer complaint received 2023-11-08
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-20
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. (FL)

Please know that I was not late on XXXX XXXX XXXX, XXXX XXXX  XXXX. I wonder why XXXX, XXXX   and Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

XXXX 's XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681- 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 information is, in fact, inaccurate.

15 Usc Code 1681q - Obtaining information under false pretenses. Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than XXXX XXXX, or both.

15 Usc 1681n- Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (CA)

On the date of XXXX made a check deposit of XXXX dollars. Which they set a hold on the founds which they held a delay for approximately 3days and only provided XXXX on XX/XX/21 of the XXXX dollar check..After about 9days from that date they provided the rest of XXXX on XX/XX/21 the remaining amount of the XXXX i deposited..i feel as if my money wasnt fully provided to me. I felt like i had either been skimmed or scamed out of the XXXX. The money only lasted in my account for like 4 more days after my statements where ether had over charged or double amounts pulled from the same transaction atm fees non-sufficient funds/NSF, and overdrafts that shouldn't have been on there since i banked with wells fargo they where very unprofessional about the situation and made me feel that i was wrong and wasting my time in trying to futher get explained where my founds where. I didnt feel like i would get anywhere with them i felt very helpless. I had to do my own investigation which i got refunded a few amounts of dollars which i had to get them to do desputes for. I feel that wells fargo kept or miss placed my XXXX dollars that i feel wornt ever placed in my checking account. Please help me get further founds and help me investigate where all my founds where spent and if they did follow protocol on delaying of my founds. I don't see why they would do such things with my funds from XXXX rental relief check.