davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX
Consumer complaint received 2017-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I went through an drive-through ATM to withdraw {$200.00}, and I did not receive my money, I immediately call the number on the ATM machine, they I had to call the numbers on my card, I also went into the bank they said I had to the numbers on my card because they could do anything about it, so I called file a claim, couple weeks later they temporarily refunded the money back into my account, and then on XX/XX/XXXX they reversed it back, so I was sitting with negative {$200.00} in my account. When I received more money into my account, they took it. This is serious, my money was taken from me, they was not able claim it, they are wrong! I want my money back!
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: One Technologies, LP (CA)

XXXX XXXX XXXX, conducting business under the name " XXXX, '' included the following solicitation on the web site of XXXX XXXX XXXX " 3 Credit Scores ( Free ) - Get Your Credit 3 Bureau Score View Your Latest Credit Scores From All 3 Bureaus in Just 60 Seconds For {$0.00}! '' I believe that is an outright lie and fraud equivalent to what you alleged in the XXXX  and XXXX law suits. 

Copy of the relevant XXXX XXXX XXXX 's web page including the offending solicitation is included. 

In the late morning of XXXX XXXX, 2017, I went to the web site XXXX XXXX XXXX/ XXXX by clicking the link included in its solicitation on XXXX XXXX XXXX XXXX web site. I filled out the application for the allegedly free credit scores. The first 2 pages of the application required my name, address, social security number, birth date, where I lived when receiving social security number, answers regarding history of my residences and personal credit, email address, and establishing a user name and password for XXXX XXXX XXXX/ XXXX. When the 3rd page of the application was presented to me, it requested authorization to charge my credit card for 2 items. The 1st was a payment of {$1.00} charge for an initial 7 day free trial of a subscription program that provided the " free '' Credit Scores, which charge would be refunded by a refund request made within 7 days of the application. The 2nd was the automatic long term enrollment in the subscription program for a monthly subscription fee of {$39.00} automatically charged against by credit card unless I telephoned XXXX XXXX XXXX/XXXX in advance to cancel the subscription. I did not include the my credit card information in the application, authorize XXXX XXXX XXXX/ XXXX to place a charge against a credit card of mine or submit the application to it. THIS IS NOT " FREE '' OR " {$0.00}. '' I contacted XXXX XXXX XXXX/XXXX and informed it of my experience, I considered its practices regarding the so-called " free '' offer to be false and illegal and requested it to remove my very sensitive information from its records, including any of its data bases. The person who took my call did not agree to do this, but did not state my information would be retained, and informed me by not submitting the application my very sensitive information would not be entered in its records. I believe this as far as I can throw the organization.
Consumer complaint received 2023-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated.

I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a Ponzo scheme. Here is the link to the fake website : XXXX XXXX XXXX  My funds sent to XXXX and XXXX were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. 
I tracked the downstream wallet, which was reported multiple times for fraud. XXXX and XXXX ignored the fraud reports and did not do anything to investigate and/or freeze the fraud wallet. 

I have reached out to XXXX and XXXX for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. 

They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. 
I need assistance at this difficult time. My police case is in progress as well. 

Thanks
Consumer complaint received 2022-12-21
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A. (AL)

I applied for Hardship for my mortgage. It is currently in forbearance until XXXX but in the meantime I have submitted my application for Hardship. The application and follow up requirements were provided to the credit analyst. However my case was closed without a credit decision being made. The credit analyst has not read or understood the information provided, actually they ignored the information provided and just worked on a checklist. My observation is that I was not given a fair resolution to the hardship application and they want me to start the process over again. The information provided including signed documents from me and the contributor, which is my spouse. The XXXX in charge of the case XXXX has also not read or understood the information provided and did not add any value to help the credit analyst in this scenario. I received a voicemail from the XXXX and within 24hrs she closed the case not giving time for me to respond.
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is reporting this fraudulent information to my consumer reports. They are disregarding the law. They are not supposed to report information associated with identity theft unless I informed them to. I never authorized them to report this fraudulent information.
Consumer complaint received 2023-03-31
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. (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. 

XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX, XXXX XXXX XXXX account # : XXXX XXXXDept of Ed account # : 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 an 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 2023-03-31
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. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and request that I receive a free copy of my free report and all information related in this matter. 

The fraudulent accounts are as follow : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-06
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: Experian Information Solutions Inc. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I applied to enroll in the SAVE repayment plan in XX/XX/XXXX, and then XX/XX/XXXX, but both are still processing. That's 7 months of possible interest savings that I have missed out on. 

Communication sent asking what's happening to my application was never responded to, this was in XX/XX/XXXX. 

Calling is impossible, I can't get a rep on the phone. 

The SAVE plan would theoretically lower the interest I am paying so this is a huge deal to me.
Consumer complaint received 2023-03-31
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. (LA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-03-31
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

So much XXXX and stress is what I felt when I saw my credit report upon pulling it. I was hoping to purchase a home, but I can see a lot of suspicious accounts on it and inquiries that I didn't recognize and I never authorized. I filed a police report and listed all the fraudulent accounts and inquiries on it. Kindly see the attached documents.
Consumer complaint received 2022-12-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FC HoldCo LLC (TX)

In XX/XX/2022 the vehicle was totaled, and the remaining balance paid off by GAP insurance. In the same month the primary owner who was XXXX, passed away due to unrelated causes, since then the cosigner has been asked to pay {$300.00} a month to cover the interest on the loan. There are documents stating there is no money owed and that there may be a refund. I am the mother of the cosigner ; I am assisting her with this complaint because of XXXX she does not understand she is being manipulated. She has paid {$2100.00} to the lender thus far. It is my belief she is being targeted due to her XXXX. She only receives {$840.00} a month and has to raise XXXX children.
Consumer complaint received 2023-03-31
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. (CA)

I am disputing all inquiries that were made in between XX/XX/XXXX to XX/XX/XXXX very strange inquiries were made and I got robbed of my stimulus impact payments disbursement of XXXX by unauthorized use of my identity in XXXX XXXX I am a victim of the XXXX data breach of recent and the XXXX XXXX data breach as well. My student loans amounts are exposed and my car financing information is exposed to where I have gotten a plethora of solicitation and pre-approval traffic in my mail phone email unwarranted and notified of accounts in three different states saying that someone is opening accounts in my name fraudulently that I did not authorize
Consumer complaint received 2024-03-06
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. (PR)

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 2023-04-19
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. (NJ)

Hello my address is wrong on my credit report it need to be updated XXXX XXXX XXXX XXXX XXXX NJ XXXX Experian XXXX XXXX I never lied at XXXX XXXX XXXX XXXX nj XXXX
Consumer complaint received 2023-07-03
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. (GA)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA (NJ)

I was double charged by XXXX for tickets to the XXXX. I showed the Apple Card dispute that I was indeed double charged. I did not use the ticket and after multiple emails streams and disputes, my claim was still denied.
Consumer complaint received 2023-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OH)

On XX/XX/XXXX, I mobile deposited a XXXX XXXX money order into my checking account in the amount of {$490.00} into my USAA checking account. Upon depositing the money order, {$200.00} was made immediately available for withdrawal. I sent the {$200.00} to a high yield savings account at another bank using XXXX. A few days later, on XX/XX/XXXX, I could not log in to my checking account. Upon checking my email, I got a message that my account was being closed, but no reason was provided, except that " USAA has decided to terminate our banking relationship with you ''. I called USAA multiple times, but they said that nothing could be done. Calling XXXX XXXX on XX/XX/XXXX confirmed that the money order had successfully cleared on XX/XX/XXXX. 

I believe the account closure was due to suspected check kiting. However, XXXX XXXX money orders are normally considered guaranteed funds, and thus the money order would not have bounced. As there was no fraud involved here, USAA had no reason to close my account. A call to USAA customer service confirmed this.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd ()

hello my name is XXXX XXXX XXXX I had an account with Transfer wise bank a few days ago I made an account all the verification has completed but recently for some of my personal work I used a XXXX for the XXXX to change in XXXX suddenly they deactivate my account they need my national id passport and my selfie with documents I submitted all the documents they required but after wise team review my case may take a decision to keep my account closed without any reason so I req yo that please activate my account thanks XXXX XXXX XXXX
Consumer complaint received 2023-04-19
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. (DC)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IA)

I have a mortgage with Carrington Mortgage my account number is XXXX. I have made payments and they don't show on my account when it was paid thru XXXX XXXX they claim they received a payment for {$220.00} yet no payment for {$940.00} which was made in XXXX. I been in touch with XXXX XXXX and they said they were suppose to send all the documents that Carrington was asking for since they already had the information. I called today XX/XX/XXXX to check on the statice of when I called XX/XX/XXXX to Carrington Mortgage and I get the run around again. They asked if I put the Account number on the money transfer. I have never had any problem with prior mortgage company 's until I got with this one. It's like they act like your a liar. All I want is too know where my money has went since it wasn't applied to my Mortgage.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

They are saying I took out a XXXX loan in XXXX I never attended XXXX in that year nor did I take a loan out in XXXX 

I'm pretty sure my school actually closed down for good around that time
Consumer complaint received 2021-05-21
Product: Credit card or prepaid 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: CITIBANK, N.A. (MA)

Purchased a product on XX/XX/2021. The merchant website listed the product as in stock. It wasn't. It says if it's not in stock it takes 30-60 days to receive. It's now been 21 weeks and I haven't received the merchandise. I filed a dispute and Citi card said I am responsible which is absolutely ridiculous. The merchant has fraudulent advertising on their website and the credit card company is not protecting me as they should.