davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/XXXX, XXXX XXXX, went into your branch XXXX XXXXXXXX to initiate a wire transfer for {$1200.00}. When XXXX XXXX arrived at the bank, all the employees were with other customers, so XXXX XXXX waited patiently. The manager of this branch, XXXX XXXX, came out from behind a closed door and offered to help, but when he found out what XXXX XXXX needed, he stated that he doesn't do wires that often, but that he would help him. XXXX XXXX stated that he didn't mind waiting for another employee to become available, but XXXX XXXX insisted. XXXX XXXX asked XXXX XXXX how much he wanted to send, XXXX XXXX stated {$1200.00}. XXXX XXXX, also repeated the amount of {$1200.00}, but then stated that he needed to get someone to approve the wire transfer. Once the person approved the transfer, XXXX XXXX asked XXXX XXXX to verify that the account number for the receiving party was correct. They then completed the transaction and XXXX XXXX handed the receipt to XXXX XXXX. XXXX XXXX NEVER asked XXXX XXXX to verify the amount. After XXXX XXXX returned home for the evening, he handed the Wire Transfer receipt to his spouse, that's when they both noticed that {$12000.00} was sent!!!! Not {$1200.00}. 

The following day, XXXX XXXX and his spouse went to the branch to talk to XXXX XXXX and get this wire fixed and the correct amount sent. XXXX XXXX stated in front of XXXX XXXX, his spouse, and XXXX XXXX, that he sent $ XXXX. XXXX and I then showed XXXX XXXX the wire transfer receipt. When XXXX XXXX looked at the receipt and all he said was " No I sent {$1200.00} just like you said '' and once he realized the amount XXXX XXXX then stated " that's my bad '' and then ran off behind the door, a closed door that XXXX XXXX and I observed other employees exit and enter the bank 's main floor. XXXX XXXX then contacted your wire department to see if the wire can be recalled. Here is the reference # XXXX XXXX gave us XXXX. XXXX was also given a complaint ID # XXXX XXXX. XXXX XXXX and I were told that it could be anywhere from 1 to 6 weeks to get this resolved.XXXX  XXXX tried calling customer service to get updates, but was told that we needed to go to the bank to get an update. 

After returning to the bank the following Monday, XXXX XXXX and his spouse were told that the receiving bank ( XXXX XXXX ) where the wire was sent, acknowledged the recall, but that they needed to do their own investigation. In the meantime, XXXX XXXX reached out to the receiving party, and they acknowledged that too much was sent, and that they were gon na send the overpayment back, but has since stopped all communication with XXXX XXXX. 

We were just told on Thursday that XXXX XXXX  declined the recall, this is why I am reaching out to you to get this matter resolved as soon as possible. XXXX XXXX was told that XXXX has been assigned this case # XXXX and can be reached at XXXX XXXX XXXX. 

XXXX XXXX can be reached at XXXX and is eagerly waiting for your call. 

Thanks
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I received an email from PayPal Thanking me for a purchase for an Antivirus Application. I do not have a PayPal account. I called the number listed on the invoice and let them know that I did not make this purchase and the individual I talked to got very hostile after he asked me to login to my computer so he could fix the problem and I refused. He informed me that he was PayPal 's " XXXX XXXX XXXX ''. I refused to give him any personal information. The number I called is ( XXXX ) XXXX. I DO NOT have a Paypal account.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I have a Capital One credit card which I use and payoff each month so I don't carry a balance. Back in XX/XX/XXXX I decided to use one of their promotion loan offers to buy a pool liner. I took a loan, via an Access Check, of {$4000.00} which had 0 % interest if paid off in 18 months. I calculated that I would need to pay an extra {$230.00} a month to make sure the loan was paid off prior to 18 months. So, each month when I got my bill/statement I would pay {$230.00} extra on top of the total transactions that were listed on that statement. This way I would continue to completely payoff my credit card each month and also pay an extra {$230.00} which I assumed would be applied to the {$4000.00} loan. 

Now it's XX/XX/XXXX and I wanted to make sure I was on track to paying off the {$4000.00} loan prior to XX/XX/XXXX so I looked closer at my statements and I realized that there is no indication of how much I have paid off so far on my loan and how much I still owe on that loan. So, I called Capital One and after talking with a customer service rep for an hour or two she decided that she was unable to fully help me with my questions. So, I asked to speak to a supervisor and when I did I was told that even though I am paying an extra {$230.00} for each statement, only the minimum payment for the statement is being applied to the loan and then the rest would be applied to transactions that occurred after the end of my statement and prior my check being processed by Capital One. This means there is no way for me to know how much I need to pay for a statement so that {$230.00} goes to the loan. 

I asked how a consumer like me is supposed to calculate what payment I need to make for a bill to be sure I pay off {$230.00} from the loan and he said the best thing to do is call Capital One and ask what is the current balance on the credit card. But that still wont always work either since it takes time for my check to reach and be applied by Capital One and in that time more credit card transactions could come into the account. The supervisor said that his explanation is all in the terms of the loan. 

So, there is really no way for a Capital One consumer to know how much they would need to pay for a bill to ensure that a loan that has a interest free deadline is paid off in time. And there is no way to known how much the loan was reduced with each bill payment. 

This feels wrong to me since I assume this would lead to most consumers not paying off the loan in time and incurring all the accumulated interest on the loan.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The late payments showing on these accounts are completely inaccurate. I keep immaculate records of payment history across all my bills and accounts, and there should be no late payment showing here. Inaccurate late payment like this is preventing me from obtaining credit that I'm trying to apply for because it's affecting my credit worthiness. Please be aware that inaccurate credit information can't be reported.
Consumer complaint received 2024-03-18
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. (VA)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-20
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: Experian Information Solutions Inc. (AL)

In accordance with the fair Credit Reporting act The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under 15 U.S.C 1681. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S Department of Education XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 1681 C. ( a ) ( 5 ) section states : No consumer agency may make an consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (TX)

In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX account number XXXX ( {$5800.00} ), Has violated my rights. 15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy. 15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to dispute the following information that appears on my XXXX consumer report : In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report. You stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for the removal of the items listed and highlighted below and in my credit report that has been attached to this letter. And my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Section 609 states that I can see any sources or documents you have on record regarding this account, including the original contract bearing my signature. 

Please send all documents to the above address within XXXX days of today. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Consumer complaint received 2023-04-20
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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA (AZ)

It's been over 30 days and the creditor has not updated the information. Nor, has provided proof for documentation in regards to a late payment. 
They have not supplied this information, and they must delete the alleged payments on my credit report.
Consumer complaint received 2018-08-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (MA)

On XX/XX/18 : at XXXX I contacted my bank to let them know that I was wiring money to family. At or around XXXX XXXX, I returned a call from a Western Union representative. I was told that the transaction was confirmed and that the receiving party could go pick up the funds which Western Union advertises as " Money in minutes ''. I have the emails showing that transaction was confirmed, only to receive a cancellation, without warning, while receiver had to wait 12 hours at a Western Union waiting to pick up the money. I wasted hours of my life, calling Western Union, answering the same questions, over and over again. On that particular transaction XX/XX/18 I was given a confirmation number XXXX. The money never made it to the receiving end. I was told, 1 hour later, that the transaction was cancelled due to security issues. Lies, lies, and more lies. Nobody knew where my US {$1000.00} went, my family member waited 12 hours at the receiving Western Union end, only to be told another unsubstantiated story. Each time I called, it was a different story. They finally conceded they had my money but it was going to take up to 7 days to get my US {$1000.00} back. Their suggestion? " Mam you need to do a new transaction ( while they had my my $ US {$1000.00} ). I asked them to either credit my money immediately as I don't have another US {$1000.00} sitting around at home. In spite numerous phone calls ( from XX/XX/18 to XX/XX/18 ), the issue was not resolved. Nobody could give me a reasonable answer. Every time I called, I was given absurd and different reasons as to why the transaction was either cancelled or delayed. Problem still unresolved.
Consumer complaint received 2023-04-20
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: WELLS FARGO & COMPANY (TX)

have reached out too these companies back in XX/XX/2021, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Wells Fargo VCS ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Consumer complaint received 2023-11-28
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request.
Consumer complaint received 2023-06-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I reported my card stolen and disputed un authorized transactions .I reported I never received my card in mail.i filed police report like they asked me to.this has been going on for XXXX years and still pending.they have treated me like a criminal from the start .I 've made complaints and have done no good.i just want my money back that was stolen from me during the pandemic.bank of America has treated this like a joke from the start giving me no answers.
Consumer complaint received 2023-08-30
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XX/XX/2021
Consumer complaint received 2023-11-28
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX  ; XXXX  XXXX XXXX XXXX
Consumer complaint received 2023-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (CA)

This letter is a response to your correspondent dated XX/XX/2023. You stated, " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' As stated in my first letter 15 US Code 1692 ( G ) ( Validation of debt ) and as amended by adding Title 8 USC 802 et seq. All of which work in conjunction with each other. My rights are still being violated. It has not been thirty days from my first disputed letter I sent certified mail on XX/XX/2023. ( Copy of receipt attached with documents ) According to 15 USC 1681 ( A ) ( E ) " Investigative consumer report '' You have not meet the requirements of the Fair Credit Reporting Act. You haven't sent me any evidence to backup your claim. 

15 US Code 1681 ( I ) - " Procedure in case of disputed accuracy '' 15 US Code 1681 ( I ) ( 1 ) ( A ) " In General '' 15 Us Code 1681 ( I ) ( 5 ) ( A ) " Treatment of inaccurate or unverifiable information '' 15 US Code 1692 ( I ) - " Legal actions by debt collectors '' 15 US Code 1681 ( N ) " Civil liability for willful noncompliance '' 15 US Code 1681 ( N ) ( 1 ) ( A ) " Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; '' I've been denied credit cards because of this inaccuracy. Such number of punitive damages. My credit report has to be 100 % accurate and 100 % complete in accordance with FCRA! ( " 15 US Code 1681 '' ).
Consumer complaint received 2024-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc. (DE)

My account on Coinbase is restricted due to a need to verify my identity. The problem lies in that Ive changed my name since opening the account. I tried updating my account to reflect my new name using various procedures that were provided to me by the service reps to no avail. Ultimately, requests for a manager have been ignored as managers who are supposed to call me have not in over two weeks ( I was told 1-2 business days ). Im asking to speak to a manager because none of the agents Ive spoken to seem to understand the issue and keep asking me to upload an ID reflecting my previous name - I dont have those anymore. Anyway, I verified my previous identity with this company when I first opened up the account. Im missing out on at least a few hundred dollars because they havent resolved my issue and the value of my account continues to decline. 

Ive been legitimately trying to resolve this concern for almost two years now and just keep giving up because their customer support is so difficult to work with.
Consumer complaint received 2024-01-04
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. (NY)

I just reviewed my credit reports and it shows inaccurate and unauthorized account. 

Please see the copy of my dispute letters that were already sent to the involved Bureaus. 

I have not received any responses yet
Consumer complaint received 2024-04-09
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. (AL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and XXXX.