davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I visited the bank 's ATM and made XXXX separate cash deposits. The first deposit of {$200.00} was successfully processed. However, during the second deposit attempt for {$1600.00}, I noticed an error in the displayed amount and decided to cancel the transaction. 

Upon cancellation, the ATM only returned {$410.00} to me, rather than the full {$1600.00} that was originally inserted. I immediately went to the branch that operated the ATM and explained the situation to the branch manager. The manager checked the ATM and confirmed there was {$1800.00} in excess cash, but stated that since the ATM and branch were under separate jurisdictions, they could not directly refund the missing {$1200.00}.

I was advised to file a formal complaint with the bank 's customer service department and promptly contacted customer service, provided all the details, and was given a case number. They were told the issue would be resolved within approximately 10 business days. 

Over the next several days, I followed up with customer service multiple times to check on the status ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), but was met with little progress and continued to be told to wait for a resolution. The case was transferred to a different department, and I had to re-explain the situation and was assigned a new case number. 

As of XXXX XXXX XXXX business days after the initial complaint, I was informed that an additional 10 business days would be required to resolve the issue. Frustrated by the slow response, I requested to speak directly with a supervisor, but was told that would take an additional 2 business days. 

Name of the Bank : Wells Fargo Bank Branch : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Branch Manager : XXXX
Consumer complaint received 2022-12-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

Coinbase acquired XXXX wallet in XX/XX/2021. I held some cryptocurrency assets in my XXXX XXXX. I have followed XXXX 's instructions and those of Coinbase on how to transfer these assets to a Coinbase wallet, including entering the full security key onto Coinbase 's app which they said was required to retrieve the funds, but at the end of the process I had no assets in either wallet. Coinbase then said they were closing the case as it was an engineering problem and I had to wait for an XXXX update. 

I do not think this is satisfactory or proper conduct for a financial institution. They showed zero regard for my funds, or their whereabouts, or the consequences of my losing access to them. The assets have declined in value significantly since I lost access to them. They were worth around {$4000.00} and are less than half that now. I have no idea if this is deliberate fraud, but it is a painful and unfair financial loss to bear and also hurtful to be treated as though assets they supposedly hold on my behalf are none of their responsibility - especially when the sale of XXXX apparently made huge profits.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-25
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: 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-05-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (KY)

I submitted a complete modification package on   X/X/17    . I was advised my loan was assigned to underwriting on  X/XX/17   . I have been asked to submit the same documents and updated documents and i have sent them everything they need. I started this in  XXXX  and it is  XXXX  now. 4 months and they tell me every time i send something in my loan goes to the bottom of the list and that the review can take  2-8  weeks to review. It has been more than 8 weeks now. Please help me.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

On XX/XX/2023, Chase Bank placed a hold on several joint accounts. Chase received a warrant from the Michigan Department of Treasury to garnish funds from accounts associated with XXXX XXXX. The accounts that are at Chase Bank are Joint Accounts. The joint account holders are not liable for the alleged debt. The joint account holders are an innocent party in this matter and Chase Bank needs to release the hold. 

Account Number last four digits : XXXX {$440.00} XXXX {$150.00} XXXX {$25.00} XXXX {$490.00} XXXX {$140.00}
Consumer complaint received 2023-07-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (MS)

On XXXX XXXX I sent a Debt Validation Letter to XXXX XXXX and they responded that it was sold XX/XX/2023. This account is not mine. XXXX XXXX removed the account off all credit reports but sold it to National Credit Adjusters.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (LA)

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so I don't want no automatic computer response saying this is unauthorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account status Open Type -- Account paid for less than full balance Paid collection Original creditor name XXXX XXXX XXXX XXXX XXXX  This account is CLOSED!! Please remove from Credit Report
Consumer complaint received 2023-05-24
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. (CA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to ensure my private information is not shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXXXXXX XXXX XXXX, the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2023-05-03
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: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-05-24
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$24000.00} XX/XX/2017 XXXX XXXX XXXX {$23000.00} XX/XX/2017 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and CAPITAL ONE with no successful resolution. XXXX was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX/XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.
Consumer complaint received 2022-12-31
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: Experian Information Solutions Inc. (TX)

In Accordance with The Fair Credit Reporting Act XXXX XXXX- XXXX XXXX 2021 XXXX  XXXX - XXXX XXXX 2021 XXXX XXXX- XXXX XXXX 2021 XXXX XXXX XX/XX/ 2021 XXXX XXXX - XX/XX/ 2021 XXXX  Acts 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.
Consumer complaint received 2023-08-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (AZ)

I was scammed out of {$5000.00} for an online vehicle purchase from a company supposedly based in Maine but was doing business under an address in Pennsylvania. The company, XXXXXXXX XXXX XXXX located at the said address of XXXX XXXX XXXX. XXXX, ME XXXX had vehicles listed for sale, that I came to find out were actual vehicles for sale from other dealerships throughout the US. 

They provided me a Bill of Sale, XXXX with matching VIN number, video walkarounds of the truck as well as tracking details when the truck was " enroute ''. I communicated with a gentlemen who went by the name XXXX as well as another gentlemen " XXXX '' who was the driver and everything seemed legit. I even did a bunch of research prior, confirming the LLC as " XXXX XXXX XXXX  '' registered at XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. This LLC was registered since XXXX and the payment I sent was to their TD Bank account, which I still have all the account details for. 

I have since tried contacting TD bank and they will not help me as I am not a customer, and essentially have told me to kick rocks. I did contact my bank, XXXX on Saturday XX/XX/XXXX the day after the wire transfer to make them aware I believed it was fraudulent. They told me they would attempt to contact TD bank but that is basically all I have been told and that more thank likely this money is gone. 

I am not sure to what extent the bank can go to refund my money, but with the amount of details I have, there has to be something that can be done. I plan to press charges against the LLC but am filling a formal complaint against both TD Bank and XXXX for the lack of effort and support from a FEDERALLY INSURED financial company. There needs to be more action with regards to scams and I will take this as far as I need to. The FBI, FTC, Attorney General and XXXX  have all been contacted as well.
Consumer complaint received 2023-05-24
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)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (AZ)

I told all the of the " Big 3 '' nationwide consumer Credit Reporting Agencies, Equifax, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX ( # XXXX ), XXXX- ( # XXXX XXXX XXXX XXXX- ( # XXXX ), XXXX XXXX- ( XXXX XXXX ), XXXX ( # XXXX XXXX, XXXX- ( # XXXX ), XXXX ( # XXXX ), XXXX- ( # XXXX ), XXXX- ( # XXXX ) I received notice from all three CRA 's ( XXXX, Equifax and XXXX ) that everything was verified as complete and accurate and that my disputes have now been completed and closed out. I am confused, how is it possible they " investigated '' all these accounts and declared them as accurate and verified if information such as : Account Open Date, Date of Last Activity, Payment Amount, and so much more is absolutely incorrect. Not only that but all 3 of the CRA 's are reporting different information. 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 Section 602 ( A ) States that I have the right to privacy 15 USC 1681 Section 604 ( A ) Section ( 2 ) States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( a ) ( 5 ) States that 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 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These companies do not comply with or even attempt to be in compliance with Metro 2 credit reporting and I have all the supporting docs/evidence to support my claims.
Consumer complaint received 2023-01-02
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. (DE)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-08
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: I.C. System, Inc. (OH)

I spent 6 months ( XXXX through XXXX of 2016 getting our bill/account corrected with XXXX. We were finally refunded over {$650.00} of excessive charges after continually calling and then working with a special department at XXXX. 6 months of my time. Our contract was ending that fall. 

Date : Fall of 2016 after all of the hardship we went through with XXXX, we switched to cheaper Military Plan on XXXX  during a special where they paid off any remaining balance on your contract to your provider ( which was XXXX ) and sent back the phones to the provider ( we turned in our phones and they were mailed back to XXXX ). We were present when they contacted XXXX and ended our contract. 

Amount Disputed : {$1300.00} This amount was put on to my credit report. I have submitted a dispute four times through XXXX. We do not owe anything to XXXX. Our account was current by us and paid in full by XXXX  to buy us out of contract to start up phone service with XXXX XXXX. Our contract was paid in full by XXXX when we switched providers. We are still with XXXX to this day.