davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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: WELLS FARGO & COMPANY (FL)

Somewhere in XXXX I realized I lost my Wells Fargo credit card. I called Wells Fargo to get a replacement card because I thought I lost my card somewhere in the house. I didn't want to go through the process of canceling the card and having to reenter the card number to all my accounts that were already linked up to my old card. The representative sent me another card with the same card number but a different CVV on the back. Fast forward a couple months I look on my bank statements XX/XX/XXXX and see a charge that I don't recognize from XXXX  of {$100.00}. I immediately called Wells Fargo to cancel my card and dispute that charge and report it as fraud. Then the next day I look on my Wells Fargo statements again and I see XXXX more charges that I do not recognize from XXXX XXXX XXXX : {$65.00} and XXXX XXXX : {$9.00}. I called Wells Fargo again and report XXXX more charges. So there was a total of XXXX charges that were not made by me totaling up to {$170.00}. The representative opened up a claim and told me to wait about a month for a resolution. About a month later I received a letter stating those charges were authorized by me and appear valid. So they can not dispute it and give me my money back. Numerous times after that I called Wells Fargo and talked with several people, and I was on hold for hours. I asked if I could speak to a higher power, and they transferred me to the escalations team and XXXX XXXX from the XXXX XXXX XXXX XXXX was overlooking this case to make sure the fraud department was a proper investigation. A couple weeks later I received another letter staying the same thing but this time to move forward I need a police report. I had a police officer come to my house and I had to take time out of my day to get a report done. Once the police report was done, I had to then go waste my time to go to the Police department records to get my report. I called Wells Fargo they opened up a new claim number and said I need to attach the Police report which is what I did and sent it to the escalations team. Maybe a week later I get a call from XXXX in escalations stating that again even after sending them the police report these XXXX charges were made by me and there is NOTHING they can do to help me. I was very upset at that point. He stated again that he is very sorry, and those charges were made by me because it was a CHIP card. This was the worst experience I've had with ANY bank and I've been dealing with this since the beginning of the year with NO resolution all because the bank is not doing a proper investigation and assuming that it was me because it was a CHIP which is ridiculous that they think fraud can't happen even when there is a chip card.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (NE)

Opened computer in the morning, XXXX had a notification of XXXX XXXX web site had my personal information. Purchased program from XXXX to fix the dark web on my computer. Picked up my phone and googled and called XXXX customer service. Phone number popped up at the bottom and I clicked and called. It ended up being a scammer. It asked me to download an app on my phone. I was informed that my XXXX was not secure by person on the phone. I said " are you from XXXX '' He said Yes. I downloaded the app he got into my phone. Once he got into my phone he advised me to apply for and XXXX XXXX and also confirm my identity to send money to him on cash app. When we initially did the {$2700.00} cash app denied it so then he asked me to do {$200.00}. That went through. Then he asked me to do {$2700.00} and this went through. He then asked me to transfer the {$2700.00} to him and this was denied. He then had me send in increments of {$49.00}, $ XXXX, {$120.00} ( declined ) {$160.00} ( declined ), {$400.00} ( declined ), {$200.00} was attempted to be added and that was declined. A different card number was then put in ( ending in XXXX ) and that added {$200.00}. It failed {$200.00} to send back, and then failed {$200.00}, {$100.00} ( failed ) and then failed adding {$200.00} on his card ( XXXX ). He then had me put my card back in ( XXXX ) and he took {$200.00}. We then had a failed attempt of {$990.00}. Another failed attempt {$200.00} and another of {$970.00}. Then Cash app out to path ward of {$200.00}, {$250.00}, {$250.00}, {$250.00}, {$250.00}. He then had me attempt to send another {$2700.00} to XXXX ( {$690.00}, this failed ) Cash out of {$2700.00} failed, cash out of {$500.00} failed, cash out of {$1200.00} failed, cash {$2700.00}. Then my card is back in at ( XXXX ) added {$2700.00}. Please see notes on uploaded documents. I appreciate and help I can get with getting the {$2700.00} back plus the {$200.00}.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XX/XX/XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX Balance XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Inquiries to my Trans Union Report occurred without my knowledge and approval. The following inquiries are fraudulent : XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I submitted a letter to the Credit Bureaus to delete these erroneous inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

IVE BEEN A VICTIM OF IDENTITY THEFT SOMEONE WHO STOLEN MY IDENTITY APPLIED FOR CREDIT CARDS THAT IVE NEVER AUTHORIZED IVE REPORTED THIS TO THE FEDERAL TRADE COMISSION AND I DID A POLICE REPORT AND THE FRAUDULENT INQUIRY ARE LISTED BELOW XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022 XXXX Inquired on XX/XX/2022
Consumer complaint received 2023-04-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I'm looking forward to the quick correction or deletion of the following 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 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 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 2023-07-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 

I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) ( XXXX ) Date Opened : XX/XX/XXXX Balance : XXXX I am entitled to complete and accurate credit history ; this is missing account information so please remove it. 
I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

On XXXX around XXXX XXXX, I was making payment on one the credit card accounts by Citi Bank . I noticed that the available credit shows {$0.00}. I contacted the bank, and they told me that credit card closed on XXXX/XXXX/XXXX. They did not disclose the reason and said that I would receive notice by mail. After I hang up the phone, immediately checked the other 2 credit card accounts from Citi Bank and they were closed as well. 

THE ACCOUNTS CLOSED BY CITI BANK : Citi Shop your way- XXXX Citi XXXX XXXX City Best Buy- XXXX After conducting researches, I found out that the bank must provide reason over the phone. I contacted the bank again and spoke to XXXX from team XXXX. He told the same, I would receive notice by mail. When I said XXXX, that he can not refuse to disclose the reason over the phone, he placed me on hold for about 15 minutes and transferred the phone to account specialist. 
XXXX from crew XXXX provided following reason : " Due to the amount of recent inquires for the credit line increase, they decided to close all the accounts. '' I replied that never been late on any of the credit cards payment, some of them recently were paid off and have spending limit less than 30 %. 
Some credit inquiries are old and some credit line provided to me automatically by the bank without even requesting credit line increase. 
I requested to reopen the accounts and received the following reply from XXXX : " Once accounts closed they can not be reopened. '' When I advised that I spoke to Consumer protection agency and they said that bank could reopen closed credit card accounts, she just replied, " This is a Citi Bank internal policy, and she can not reopen the account. '' I advised XXXX that I am now recording our conversation because she is lying and she hang up the phone. 

After all this, on XXXX/XXXX/XXXX, I noticed that Citi Bank charged me {$27.00} late fee on card ending XXXX. The due date of the card was XXXX/XXXX/XXXX. The payment of {$100.00} was made on XXXX/XXXX/XXXX around XXXX XXXX. I called Citi Bank, and without reviewing the account, they said that they did not receive payment. When I advised conducting researches the account specialist reply that she will waive the fee. I made additional {$18.00} payment close the balance over the phone and specifically asked to email me that the balance is {$0.00} but of course still waiting.
Consumer complaint received 2023-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I am writing because I see some unauthorized inquiries on my Equifax credit report that I did not authorize and I would like them to be removed immediately. Also their inaccurate personal information reporting to my Equifax credit report I would like all the old address, phone number, and jobs.
Consumer complaint received 2023-03-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Re : complaint # XXXX Submitted on XX/XX/XXXX and sent to Bank of America I do not consider the complaint closed. 

I received an email from Enterprise Resolution ( XXXX XXXX ) of Bank of America on XX/XX/XXXX. I did not receive a reply to my email response on XX/XX/XXXX and XX/XX/XXXX from Enterprise Resolution/XXXX. XXXX. I requested to acknowledge receipt of email and status of my complaint. 

My complaint is for Bank of America to investigate internally. My questions remained unanswered and there has been no communication since XXXX, XXXX. Please refer to the emails attached. 

How should I proceed after over four months without a final clear resolution to my complaint? Bank of America can not simply close it. Should I file the complaint with another federal agency?
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX accordance with the fair credit reporting act XXXXt # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX account name XXXX XXXX XXXX  ) ( Account name XXXX XXXXXXXX account # XXXX ) account name XXXX account # XXXX 15 U.S.C 1681 section 602 A state I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 it alsos state a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2024-04-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (IL)

On XX/XX/year> I ordered XXXX internet. On XX/XX/year> I started the service after receiving the equipment. On XX/XX/year> I canceled on the phone the service after getting XXXX because XXXX service was unreliable at best.. I received a notice from XXXX my bill was ready on XX/XX/XXXX and I called and canceled again and had them remove my payment information that same day. I returned the equipment, paid for a month when I used for 2 weeks. Now, every couple months another collection agency puts this on my credit report. I have the paid bill, the emails confirming the second cancellation, less than a month from the start of service, the XXXX delivery of the equipment and this keeps happening. XXXX will not speak to me and this new collection agency, showing no proof I owe anything, will not remove this {$240.00} from my credit report which has dropped my credit score a great deal in addition to having the " collection notice '' on there. They are uncooperative, unprofessional and just plain wrong. 
I am attaching the proof of payment and proof of delivery of the equipment XXXX will not remove it, XXXX won't even talk to me, this Ashmer collection agency will not send any proof I owe this or discuss. I do not owe anything. If anything XXXX owes me.
Consumer complaint received 2024-04-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2024 I made a mobile deposit in the amount of {$3000.00} ( cashiers check ) from XXXX XXXX XXXX. On XX/XX/2024, Bank of America returned the item. I physically took the cashier 's check to the local branch in XXXX, FL and deposited it in person. My accounted was credited for the cashier 's check. On XX/XX/XXXX l I called to speak with a Bank of America representative because I did not have any access to my account. The representative stated that the account had been closed and gave no reasons. As of XX/XX/XXXX my account balance was {$3400.00}. I received a refund check in the amount of {$400.00} dated XX/XX/2024. Today, XX/XX/2024 I went to the local bank to ask about the {$3000.00} that I have not received. The bank representative stated I needed to call the customer service number for additional information. I called and was told to call back on Monday. I have been unable to find out when I will receive the {$3000.00} will be returned to me. Every time I call and speak with someone I am told to call back.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my 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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX XXXX Balance XXXX {$4000.00}.
Consumer complaint received 2023-03-04
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. (OH)

Pursuant to 15 USC 1681b credit reporting is voluntary and I did not consent neither did I provide written notice to report account status With XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX or Experian. 

In accordance with the Fair Credit Reporting Act this creditors XXXX XXXX XXXX XXXX and XXXX XXXX has violated my rights under 15 USC 1681 section 602. I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY purpose. 

XXXX XXXX also has many inaccuracies on my 3 credit profiles and the FAIR CREDIT REPORTING ACT entails me to a clean fair credit report and all XXXX bureaus shall be providing ACCURATE information. 

I HAVE NEVER BEEN LATE ON THE POSSIBLE FINANCE ACCOUNT On EXPERIAN! 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to ON TIME, NEVER LATE as they should be as I was NEVER Lat
Consumer complaint received 2023-02-16
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.