davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-01
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 (TX)

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a renewed complaint concerning my ongoing dispute with Wells Fargo Bank. I recently engaged in another conversation with them, lasting for approximately 50 minutes. In this call, Wells Fargo informed me that they have initiated the processing of four disputed transactions, providing the following claim IDs : XXXX XXXX XXXX While this may appear to be a step forward, a significant concern remains unresolved. When I inquired whether I would be required to make payments for these pending claims in the next billing cycle, Wells Fargos response was far from satisfactory. Instead of providing a clear answer, they transferred me between multiple departments, leaving me without a resolution. Ultimately, I was informed that these claims are still pending due to allegedly missing documentation. 

I must emphasize that I have diligently followed Wells Fargos prescribed process, reporting each claim over the phone and promptly supplying all requested information based on their inquiries. Despite my full cooperation, they continue to delay and avoid processing these claims. Their assertion that I havent provided necessary information is perplexing, considering that I possess the claim IDs as evidence. 

This situation strongly suggests that Wells Fargo is intentionally delaying resolution, allowing these claims to linger indefinitely. It is evident that their actions do not align with their stated commitment to promptly and transparently resolving disputes. The banks inability to address these claims raises serious concerns about their practices and their dedication to customer service. The potential for them to profit from unresolved claims, especially when they possess the requisite information, is both disheartening and unjust. 

In light of this, I implore the relevant authorities to intervene and oversee Wells Fargos activities. The banks behavior warrants a comprehensive investigation and appropriate measures to ensure they adhere to ethical practices and treat their customers with the respect they deserve. 

I sincerely appreciate your attention to this matter and your role in safeguarding consumers rights. 

Sincerely, XXXX
Consumer complaint received 2023-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (SC)

I was in Covid foreberance. I understood first month would respite late but didnt know for 11 months. It doesnt indicate I was in forbearance. So it looks like I didnt want to pay my mortgage. Now I cant even get an apt
Consumer complaint received 2023-10-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so all relevant items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused to me. My information was also i pacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2023-10-01
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. (LA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 45 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so all relevant items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused to me. My information was also i pacted by the equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-03-18
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: Experian Information Solutions Inc. (TN)

This is the first time I have never encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security had already been filed. Please delete these unknown items from my report. 

XXXX XXXX XXXX {$3000.00} XXXX   XXXX {$560.00} XXXX  XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX   XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX XXXX  XXXX {$520.00} XXXX  XXXX {$120.00} XXXX   XXXX {$82.00} XXXX  XXXX XXXX XXXX {$1200.00} XXXX XXXX   XXXX {$310.00} XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX {$1000.00} US DEPT VETS XXXX {$0.00} XXXX XXXX {$22000.00}
Consumer complaint received 2023-10-01
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. (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.

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 2023-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (NJ)

I am trying to pay my rent with Venmo. My Venmo account is verified. I have 2 bank accounts linked. I am however no longer able to send funds from my primary account. It simply gives me an error that says " Payment Declined. Please try again. ". Venmo says this is due to their algorithm believing it is a fraudulent charge. They offer no support and no way for me to verify the transaction. I am a legal and legit users. Venmo is such a big part of our society these days, and this is effectively preventing me from being able to make many digital purposes. It is unacceptable that Venmo wants to be considered a legitimate financial institution, but can't resolve simple issues like that. Please help me! Thanks, XXXX
Consumer complaint received 2023-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (NY)

Because I am a XXXX XXXX and I filled a complaint against XXXX because my debit card was being improperly used. I am being blocked from making all use of my account I can not transfer money, I can not send money, I can not make purchases. I have also been banned from using Paypal too PAYPAL NEVER SENT AN UPDATED CARD LIKE THEY SAID EITHER.
Consumer complaint received 2023-10-01
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)

I am writing to report a distressing incident of identity theft that has been ongoing since XXXX, which has resulted in significant financial loss and damage to my credit. Despite my best efforts, I have been unable to successfully rectify the situation due to the relentless actions of the perpetrators, who continue to exploit my personal information for their own gain. 
Recently, I experienced another setback when my gym bag was stolen, containing my wallet and cell phone. The individual responsible for this theft has not only gained access to my personal information but has also compromised my bank account. Substantial funds were withdrawn without my authorization, leaving me in a precarious financial situation. 
Furthermore, I have discovered numerous unauthorized inquiries from XX/XX/XXXX XXXX on my credit report, indicating that the thief has been attempting to secure additional lines of credit and loans using my identity. These inquiries and accounts have severely impacted my credit score more then XXXX points and have the potential to further complicate my financial stability. 
In addition to the aforementioned incidents, the thief has exploited my personal contact information, including my cell phone number, email address, and home address. They have even gone as far as using my photo ID, which was unfortunately stored in my stolen wallet. Additionally, my wallet contained not only my own Social Security card and ID but also my XXXX XXXX XXXX daughter 's Social Security card ( XXXX XXXX XXXX ), credit cards, and bank cards. 
Given the severity of these circumstances, I have closed my compromised bank account and establish a new one, Furthermore, I have cancel my debit and credit cards. 
I kindly request your urgent assistance and thorough investigation into this matter. I have already contacted XXXX XXXX Texas law enforcement twice once when I first found out that was a victim of identity theft in XXXX see report RE : XXXX and RE : XXXX. This report serves as an official statement regarding the ongoing identity theft, fraudulent activities, compromised bank account, and fraudulent inquiries and accounts in my credit report, along with fraudulent use of my social security number, ID, home address, email address and phone number. 
I deeply appreciate your understanding, support, and expeditious attention during this distressing time. If there are any updates or further information required, please do not hesitate to reach out to me. 
Thank you for your prompt action in addressing this matter.
Consumer complaint received 2023-10-01
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. (ME)

Hard Inquiries on credit report XXXX and Equifax I did not authorize this company to run my credit report, this is fraudulent. 

XXXX XX/XX/XXXX institution Information XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2022-12-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (WV)

I bought a XXXX XXXX  and payments were OK at first, and then my daughter moved in from college and financial burdens over took us and it became hard to pay my car payments. I keep making payments occasionally when I can but Im really behind I need help. Last payment made was {$100.00} on XX/XX/2022 Remaining balance is {$1600.00} Payments are {$200.00} monthly.
Consumer complaint received 2017-12-13
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. (FL)

RE : Remaining items To whom it may concern : XX/XX/2017 This letter is being written to dispute the account below in attachment which i have done several times. You have responded by stating that the creditor or collection agency verified the inquiry or account. I have contacted the collection agency on several occasions as well and they have yet to respond to my dispute. Therefore your company could not reach them concerning this debt. The Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well verify its accuracy. If the inquiry or account could not be verified, your company must delete & permanently remove the inquiry or account from my credit report immediately. If you can not show proof that you can not verify this debt and you continue to list this item on my credit report i am prepared and will sue you under The Fair Credit Reporting Act. If you refuse to respond to this letter or theirs another verified letter sent out to me, your company will be prosecuted in a court room where you will face charges for violating The Fair Credit Act, FACTA, and falsely using my identity to defraud my name without my consent placing errors on my credit file. I am allowing 48 hrs turnaround after receiving this message. This is not an attempt to collect a debt nor a threat. The inaccurate errors is listed in an attachment. Please continue below to see the inaccurate inquiries and accounts that remained on my credit file. Accounts reporting inaccurately are 1. XXXX, 2. XXXX Inquiries reporting inaccurately : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX 4. XXXX Sincerely XXXX XXXX
Consumer complaint received 2024-04-04
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. (FL)

I did a review of my credit report and noticed that I had late payments on an account and I have never been late according to the credit reporting agencies and they have assumed a vital role and responsibility of submitting consumer information to the maximum accuracy. I have never been late in payment of this account XXXX, Account # XXXX please investigate and provide proof of status showing that these payments are late, if proof can not be provided I demand that this payment be updated in a timely manner, because I I have not been behind on this account. thank you.
Consumer complaint received 2023-10-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (NY)

I own a dropshipping store ( I buy items from my supplier and ship it directly to my customers ) and I use paypal to accept payments from my store I started accepting payments from my dropshipping store around XX/XX/XXXX and my account was fully verified. On XX/XX/2023 paypal limited my account with no explanation or reason give, they asked me to fill out an assortment of information about my account and my store. I provided verified and legitimate information and I was informed by paypal that the information was legit and my account was not suspicious i just had to fill out the information that they wanted me to provide. With no explanation paypal locked my account permanently and said that I can no longer work with paypal. Even though all the information provided was legitimate and illegible, they still locked my account for no reason. When i tried contacting them on the matter why my account was locked, they gave me no valid reason and kept dodging the question. I am writing this complaint because my account was permanently limited for no valid reason and the resolution to this matter is that paypal lift the limitations set on my account because they provided No reason why my account was locked and locked my account for no reason and with no explanation when my account was fully verified.
Consumer complaint received 2018-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CO)

I have been attempting since XX/XX/XXXX to work with US Bank on getting the PMI removed from my mortgage. I have met the requirements of on-time payment for the last 2 years and I believe my property will appraise high enough to put my LTV at 75 %. US Bank has been uncooperative in setting up an appraisal and there has been no follow-up after numerous contacts with their home mortgage dept. I believe they are delaying this process in order to continue collecting PMI or are simply inept at getting an appraisal set up. Either way it comes out of my pocket!
Consumer complaint received 2023-10-01
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)

Sent this letter to Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Credit Account Number : Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$2600.00} Dear XXXX XXXX XXXX, I was made aware of your attempt to collect an alleged debt less than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debt in its entirety. 
I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. 
You are on notice that you are unlawfully attempting to collect the above-listed debt. Cease & desist of all collection activity including reporting to consumer reporting agencies ( CRAs ). 
Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAs. 
If you comply with my cease collection & deletion request, then you are excused from verification. 
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without any break in chain.

This letter is evidence that may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to fully investigate this matter and receive any information related thereto. Be advised, if you fail to comply with this letter, I may turn the matter over to a consumer attorney. 

In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights according to 15 USC 1681s - 2b of the Fair Credit Reporting Act. There are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. I am demanding deletion from my consumer report or else I'm going to pursue litigation.
Consumer complaint received 2024-04-04
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-08-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TN)

On XX/XX/XXXX at XXXX and XXXX i had money fraudulently stolen out of my bank account. I contacted chime immediately after it happened. ( I have transaction notifications on and the alert woke me up out of my sleep ) For two months now they have refused to give me back the money even after I submitted the police report and all of the information they asked of me. The transactions don't line up with my spending at all and they have been nothing but unhelpful. They have laughed at me and called me a liar, I do not own a XXXX and it was discussed with them that the one purchase I made in XXXX to XXXX was for a friend 's son and when we checked his account to see if my card information was still in his account or not, we found that it was not in his account and these two purchases did not come from his account. Therefore, my information was fraudulently stolen from me and the bank is doing nothing to help me.
Consumer complaint received 2023-10-01
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. (IL)

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.

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 2023-10-01
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. (WI)

XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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!