davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

I'm a service member XXXX XXXX. 


On XX/XX/XXXX I opened a CD account with XXXX XXXX  and transferred {$30000.00} from my Wells Fargo checkings account to fund the CD account. My location was marked as " suspicious '' by XXXX XXXX, who locked my account and initiated a fraud inquiry. 


After about a week my access was restored and I found that my XXXX account reflected {$0.00}. I called XXXX XXXX, who stated that the transaction was cancelled immediately upon the fraud investigation, and the funds were " returned to sender '', presumably that same day. 


I opened a claim with Wells Fargo for my funds. Two weeks later they stated that my claim was denied because my account was correctly charged. I never suggested that it was incorrectly charged, only that I had never received the refund. 


They open a second claim to look further into matter. About another two weeks pass and they claim that my account was not charged at all. I call them again to follow up ( XX/XX/XXXX ) and they said that this second claim was denied because they believed the transaction occured on XX/XX/XXXX instead of XX/XX/XXXX, another error on their end. 


Wells Fargo then asks me when XXXX returned the funds, to which I conceded that I did not know for sure. I can only assume the same day if it was " immediately cancelled '' as XXXX XXXX  suggested. Wells Fargo responded that I needed to take this up with XXXX XXXX, because if they had returned the funds, it would've showed up in my account. I'm amazed with their faith in their processes given their seeming inability to even file claims correctly and waiting for weeks on end only for me to point out their own mistakes. 


I've called them several times ( ~8 ) concerning this while being in a XXXX environment - accommodating their claims ' department working hours from a different time zone with inconsistent phone service due to my location. Every claims response they've sent has been via letter ( not email ) to my home address - which of course takes time to deliver. My family must then take a picture of the letter and forward it to me via my VOIP number. So by the time I even see Wells Fargo 's response, at least a week has passed assuming I have internet access. Most recently, I asked to escalate my issue and was placed on hold for about 20 minutes before my call disconnected due to aforementioned phone service. 


I'm frustrated with Wells Fargo inability to conduct even a proper inquiry. Any assistance you can provide or point me towards is greatly appreciated. I will do my best to provide any follow up information if necessary.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo closed my account stating that I was a security threat like I'm some XXXX without explaining how or giving me good reason. My information was stolen and I put in a fraud claim with them after my account had been used without my authorization next thing I know adverse action was taken against me and my account was closed without my consent.
Consumer complaint received 2023-05-30
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Credit Network Inc (CA)

I am still attempting too remove accurate information from Financial Credit Network from my credit report. I have talked too and attempted to get payment for these charges through my insurance company but this company will not work with us. I have disputed this charge on multiple occasions. I have email 's with me asking for proof that this account belongs to me, proof of XXXX, the original documentation from the hospital with my signature or any other ORIGINAL documentation. They have received correspondence from my insurance company attempting to get the necessary information for payment with no attempts on this company 's behalf too solve this issue. Can this be removed from my report.
Consumer complaint received 2023-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX, I ordered a digital camera on XXXX for the price of {$760.00}. I was supposed to receive the package and sign for it. However, no one knocked on my door, the package was no where to be seen. My package was now lost. When contacting XXXX, they said they couldnt do anything about it. Therefore I contacted my bank and disputed. Months later, on XXXX XXXX, the credit of {$760.00} was reversed. XXXX has no proof that they delivered the package to the correct home, they have no signature and they are refusing to give me my money back as well as the bank.
Consumer complaint received 2023-05-30
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)

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


Account name : XXXX 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 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 2024-04-17
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc. (NY)

Big Lots department store reversed a charge made on my credit card, in which they sent me an email to back up my claim. I forward the email to Comenity Capital Bank to revolve this issue. The credit card company is refusing to honor the determination made by Big Lots. Because of their refusal, my credit score has been affected negatively. This issue has been going on since XXXX of 2023. The total to date is {$150.00}. I have tried to talk to Comenity Bank associates and supervisors on numerous occasions to no avail. I would like this issue taken care of immediately, I can forward/upload the Big Lots emails to you at your convenience.
Consumer complaint received 2023-05-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd (DE)

Hello, As owner of company I open Wise.com account on XXXX XX/XX/2023 and require me to paid {$31.00} after paid I send them my passport and my legal business papers, I receive email that my account is full verified I have linked with my stripe to start receive money Today my account has been closed without any reason!! and they say you can complaint on this website
Consumer complaint received 2023-05-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Access Receivables of NC Inc. (TX)

I routinely check my credit score once per month. On XX/XX/2023, I checked my credit score on XXXX and noticed a XXXX point drop from a credit score of XXXX ( XX/XX/2023 ) to XXXX ( XX/XX/2023 ). Looking at my credit report, I saw a fraudulent " collection '' charge from ACCESS RECEIVABLES MAN on behalf of the original creditor ( XXXX XXXX  XXXX XXXX ) for {$530.00}. The fraudulent transaction happened on XX/XX/2023. Subsequently, this collection charge appeared on my XXXX credit report on XX/XX/2023. I also checked my credit reports from XXXX and XXXX, which corroborate the same fraudulent charge. This is identity theft. I have never taken a loan out from XXXX XXXX  XXXX. I am a XXXX XXXX who has completed XXXX school, XXXX, and XXXX. As a practicing XXXX in XXXX XXXX, Texas, I have no reason to go to community college in XX/XX/2023 in Virginia. 

Additionally, I contacted both the debt collector ( ACCESS RECEIVABLES MAN ) as well as the original creditor ( XXXX XXXX  XXXX XXXX ) multiple times by both phone and email with no response from either party. I was never notified regarding a debt owed ( by the debt collection agency or Virginia XXXX XXXX ). A police report has been filed with my local police station regarding this identify theft.
Consumer complaint received 2023-05-30
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: T.S. Holdings (MI)

Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) IQ data All 3 collection services have incorrect information which I keep trying to dispute and it clearly isnt working The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals.

See 15 U.S.C. 1681u ( a ), ( b ). The Act eliminated the requirement of a nexus to a foreign power or its agents and instead requires that the information sought be relevant for various national security investigations to protect against international terrorism or clandestine intelligence activities.

See 1681u. The Act also broadened other federal agencies access to consumer reports. Section 1681v obligates CRAs to provide consumer information and reports to a federal agency authorized to conduct investigations of, or intelligence or counterintelligence activities or analysis related to, international terrorism. Senior federal agency officials are empowered to issue a certification that the information is necessary for the agencys conduct or such investigation, activity, or analysis. See 1681v ( a ) & ( b ). Upon certification that disclosure to the subject would impair national security or interfere with an investigation, the entity providing the information is not permitted to disclose to the subject or others ( except counsel and those necessary to comply with the request ) that the government agency sought the credit report. See 1681v ( c ). State and local law enforcement within fusion centers often work in conjunction with the FBI or other federal officials to seek consumer reports pursuant to either 1681u or 1681v authority. If 1681u or 1681v is not utilized or applicable, consumer credit information may be obtained by seeking a court order or subpoena as authorized at 1681b.
Consumer complaint received 2023-05-30
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 84 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Consumer complaint received 2017-09-19
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. (GA)

I have sent many dispute letters to XXXX and Experian in regards to the XXXX Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-05-30
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE 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 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 CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-05
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: JPMORGAN CHASE & CO. (NY)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) 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, NY XXXX, JPMCB CARD  XXXX Date OpenedXX/XX/XXXXalance : {$5700.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2023-05-30
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. (VA)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX LATE PAYMENTS Balance details 2 % paid off Balance {$47000.00} Balance updated XX/XX/XXXX Original balance {$47000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open. {$2400.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2400.00} Original balance {$47000.00} Monthly payment {$760.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 73 Months CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Consumer complaint received 2023-05-30
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. (AZ)

I recently summited an identity theft report of unknown inquiries im concern the person using my personal information keeps applying for things. I received a new inquiry. Please set a fraud alert on my bureau report. 
Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX AND TRANSUNION credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : {$26000.00} XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXX XXXXXXXX Balance : {$260.00}
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX AUTO LOAN: 
ACCT XXXX LOAN 101: 

THAT LOAN SHOULD ONLY BELONG TO MEL SOLE OWNER AND NOT WIFE. 
XXXX XXXX: XXXX DOB XX/XX/XXXX
XXXX XXXX XXXX" XXXX   DOB XX/XX/XXXX (SHE HAS BEEN REMOVE)