davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (LA)

Experian consumer reporting agency has violated my rights under FCRA under 15 USC 1681E as multiple request on how the info was verified as accurate on my account for XXXX  account XXXX and they are also in violation of 15 USC1666 billing errors in the consumer report 1. This account is reporting as a charge off but not reporting to the IRS as a charge of in the tax year in the year charge off as such there is no documentation off a 1099a submitted not filing of a 1099 b with the IRS and I was not presented with a 1099c In the consumer report under status reports account written off XXXX past due XXXX any charge off over XXXX must have a1099 file this was not done buy the creditor there the reporting that this was charge is in accurate also charging of a debt and reporting a past due balance is another violation 2 the payment summary is inaccurate In the year 2021 XXXX and XXXX boy report 120 days late which is inaccurate and impossible 3 the consumer report say last payment was XXXX XXXX which also dose not match the payment summary which reports last payment in XXXX in the legend with a green check mark indicates a payment was made so this record is also inaccurate and not verified accurately 3. Multiple parts of credit report are blank which means this consumer report is inaccurate the company sold to is blank And this account was sold multiple time to outside debt collectors which is a violation The original creditor is also left blank which means this consumers report is also incomplete Because of each violation I am entitled to XXXX per violation I would like to invoice all three credit bureaus of these violations and payment therefore and / or Immediate deletion from my consumer report immediately
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. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (TX)

Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX XXXXXXXX XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX XXXX account to TD Bank at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Bank of America - issue with closing and dispersement of funds from my late mother 's checking account which is named in a " trust '' but was created under her SS #. 

I am asking for a disbursement in the " Estate Of '' vs in the name of the trust.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was 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 XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/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 2024-03-29
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: Experian Information Solutions Inc. (AZ)

I am reaching out to inform you that I have sent certified copies of my identity theft report via certified mail. I kindly request confirmation that the intended recipient has received it. Additionally, it has come to my attention that it has been XXXX months since I last accessed an up-to-date consumer report online. Following the submission of a certified letter, I find myself completely locked out of my account. This situation has left me feeling targeted and possibly subjected to discrimination. I kindly ask for your assistance in resolving this matter promptly. 

Furthermore, I am disputing fraudulent accounts, inaccurate information, and inquiries present on my consumer report. As a victim of identity theft, I did not authorize the opening of these accounts, nor did I agree to their terms and conditions. In accordance with FTC and federal law, I request the removal of all fraudulent accounts, information, and inquiries outlined in the attached form from my consumer report. I also request the correction of any related finance charges and inaccuracies within my account. Furthermore, I request that you cease reporting this inaccurate information to all nationwide credit reporting agencies to which it has been provided. 

Your prompt attention to this matter would be greatly appreciated.
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AZ)

I opened a dispute on PayPa CASE ID XXXX, reporting an unauthorized transaction. Exactly four hours later, I received the message that my claim was denied, and they did not discover any unauthorized transaction. 

This seems a very fast response, considering they said it would take up to 10 days to investigate. I phoned PayPal and a representative told me that my case was closed, but they would escalate it, and, if I wish, I could take the matter up with the local police. 

Within 30 minutes, I received an email that PayPal had again denied my claim, and they added that Based on our review, we found this transaction is consistent with your PayPal payment history. 

I use PayPal sparingly, never above {$100.00}, and only from my home computer. So, the transaction in question was certainly not consistent with my history. 

It seems to me that all this has gone too fast. I do not believe PayPal really investigated my claim. If it had, then it would have found the payment was not made from my computer, and, most likely, not from within my country. I would like PayPal to refund my money. Can you help me?
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

Deceptive Slippage charges and silent conversion of trades. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Coinbase sneaks in 2.5 % slippage and nets the slippage on " token conversion '' trades. 
A conversion trade is trade between two virtual currency and doesn't involve a XXXX. 
However, Coinbase XXXX XXXX XXXX trades ars conversion and XXXX  trades as fait sell trades. 

The XXXX has provides no warning and slippage notice is hidden under a XXXX  click button of XXXX XXXX XXXX XXXX XXXXXXXX broken and promised rewards not delivered. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Coinbase prime offering charges upto XXXX a month to provide additional staking services for some tokens. XXXX is like fixed deposits were you lock up token for a period of time and get yields. For about a 3 years XXXX staking returned XXXX XXXX  and the unlocking of asset is broken XXXX. money can not be retrieved.
Consumer complaint received 2023-09-22
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: Experian Information Solutions Inc. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$4100.00}
Consumer complaint received 2023-12-05
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (VA)

I initiated a transfer online with Western Union at XXXX EST. XXXX. XXXX. It was for my niece in XXXX. I received an email that they are reviewing my transfer and it should take no more than 2 hours. I did not hear back anything.

After almost 4 hours, I contacted Western Union about the status of my transfer. They told me that my transfer was on hold because they need ID of the recipient. This is something that was not disclosed to me beforehand and I feel it should have been. Even after the transfer was initiated, no one contacted me. I asked them that the need for this transfer was urgent and they just cancel my transfer and unblock my funds so that I can send it thru other means. 

They have refused it. They keep saying that that they need receivers ID in order to cancel. Why would they insist on this? I am sending money to my niece who is getting married. Its going to her bank account. Western Union has all that information. Its verified. 

As of now, I just want WU to give my my money back. I do not want to deal with them anymore. I spent more than 2 hours on hold just waiting to talk to someone. I just need my money refunded.
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

The company keeps reporting my account as a late payment after admitting their error. 

They have corrected it twice and last week they posted it late again. 

I am up to date and current on my payment.
Consumer complaint received 2020-12-06
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: WELLS FARGO & COMPANY (FL)

XX/XX/2020 XXXX XX/XX/2020 XXXX Wells Fargo Preferred agreed account was fraudulently opened and agreed to to delete account on XX/XX/2020 As of XX/XX/2020 with a balance of XXXX which isnt my responsibility since it was fraud is affecting my credit. I have notified all 3 credit bureaus and they continue to report this account as accurate and as my responsibility which is invalid and incorrect. This account was deemed as fraudulent. It must be removed immediately.
Consumer complaint received 2023-09-18
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. (NY)

In XXXX I cosigned two XXXX student loans for my granddaughter ONLY on the condition that the loan but deferred until her graduation year. which would have been XXXX. Which we both agreed would be the best option as she and I are low-income. Unfortunately, she had to drop out due to unprecedented circumstances during covid therefore the full amount she was approved for was not disbursed to the college. However, we did not receive an updated approval disclosure for either the loan of the adjusted amount owed or the adjusted Estimated Repayment Schedule and terms. Only notice stating that XXXX 's loans would go into repayment that same year. Nevertheless, from what I read from the Promissory note and Application I read, I ONLY gave the company ( XXXX XXXX Loans ) my permission to pull my credit to check my credibility and financial credit history. However, recently it has come to my attention that all XXXX credit bureaus ( XXXX, XXXX, and Transunion ) have been entering lots of inaccurate and false information including late payments pertaining to those loans on my credit report with my written consent. This violates USC Code 15 U.S.C 1682 a.1.a AND 15 U.S.C 1681 ( B ).
Consumer complaint received 2023-12-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY (CA)

There were two unauthorized transactions from my account. Each one were one separate dates. On XX/XX/23 {$400.00} was taken out at an ATM at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. And the other transaction was on XX/XX/23 {$100.00} was taken out at another ATM but at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those dates I was visiting family for XXXX XXXX weekend at XXXX, XXXX. I did get a hotel at XXXX XXXX. I thought at first my funds were low for the hotel deposits. And when I was waiting for pizza I ordered on XX/XX/23 I looked at my statements and noticed those unauthorized transactions. I called my card company and reported it. I told them I have my card with me so how was my card used at an ATM machine? I told them I only use ATMs that they suggested cause of no fees ( I had a bad experience where I was charged twice, so I don't use that ). American Express Serve closed my card and sent me a new one. They told me to fill out the dispute for both dates and they will investigate. I filled and sent it out and waited. I got an email saying " Recently you inquired about your charge ( s ) from your Serve card in the total amount of {$500.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Therefore, the transaction ( s ) is not eligible for credit to your Account. '' I called the customer service and told them how was it authorized when I didn't authorize it? I got no help. My co worker told me to just keep sending a dispute. to keep fighting. I send a second one and again I received the same answer. I'll be sending a third one in a few days. How is it that I'm a good hard worker ( working so many hours, barely getting sleep, living paycheck to paycheck to get by ), when thieves can just come by and snag my hard earn pay and get away scot free? We trust the banks to do their jobs and to help their customers. That's what I do at my job. I care about my customers because it's them that pay your paycheck. They give you business. I would like them to do their jobs in actually do some investigating and get my money back that I honestly earned.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2024-03-08
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (KY)

I am a recent victim of identity theft. Someone applied for this chase bank XXXX XXXX credit card fraudulently that I did NOT apply for. I called them on XX/XX/XXXX stating that this account ending in XXXX was applied for fraudulently and that I did NOT do it. I was told I would be receiving correspondence via the postal service and have yet to receive anything from them. I was not told of anything else that would be needed to process this fraud claim. Me and my restoration agent tried to call on XX/XX/XXXX and spoke to XXXX. He could not provide any information and tried to transfer us to the recovery department. XXXX claimed that that department was open until XXXX est but that at that time, they were closed even though it was only XXXX est. Not only have I not received anything confirming that this inquiry would come off of my credit report but a bill was sent to my email stating that I owed XXXX on XX/XX/XXXX. Now my score went from XXXX to XXXX because of this balance still showing up on my credit report. I am able to provide the police report number, officer I spoke with and their phone number but am unable to get a hard copy report because the department is backed up and the physical building is undergoing construction.
Consumer complaint received 2024-03-29
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. (GA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-03-29
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: Experian Information Solutions Inc. (MS)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-10-29
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. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. 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 the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (TN)

Nelnet Employees ( Men and/or Women ) It is against the law for employees to abuse securities instruments and misuse entrusted property to create fictitious debts, sold those debts to other companies only to come back stating that the Grantor and Sole beneficiary of the estate owes that company who bought the debt. 

Employees do not have a written agreement signed by myself where every alive and living in the creation of God Almighty Creator were present. Employed at Nelnet werent given written consent or authorization by me to report, false and inaccurate information to consumer reporting agencies so they can profit from doing so. I have the proof that the information is inaccurate and is not true, otherwise these employees must admit or deny whats listed in this audit. 

Payments for the accounts, the terms and whether or not the account is current : Credit Reports are made up reports containing security backed instruments that are sold for profit and gain. 

Non of the payments amounts are the same and does not add up. Employee at consumer reporting agencies are stating that the payments are paid up as so called agreed but theres still debts listed with terms of 300 months for {$0.00} a month. This would proof of having 300 months for these employees to benefit off my sweat equity while I suffer financially and are literally being plundered as well as stolen from.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.