davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I recently reviewed my credit file and unfortunately found that some of my personal information is incorrect. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. 

Please delete the following inaccurate information from my credit file in the next 30 days. I know that you have up to 30 days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you have incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate addresses : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please delete the following inaccurate employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By reporting these inaccuracies, you are in violation of U.S.C 1681b ( a ) ( 2 ) for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; In accordance with the written instructions to the consumer to whom it relates. EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink written instructions to do so. These actions have caused my family and I a great deal of injury. 

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting Sincerely, XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserve
Consumer complaint received 2024-03-27
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. (IL)

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of america told me several times I must go to a local bank of america and verify my identity. I went to a bank of america location 3 times and they act like I don't know what I'm talking about. I haven't been able to access my money for months almost a year now. I've sent copy of My ID and social as well. They also won't let me update my information either. Please help I'm loosing my place to live due to this issue. They are violating so many laws it's ridiculous. I can't afford an attorney or else I would have hired one that should be on there.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY ()

The following complaint relates to Wells Fargo who are a " partner '' for XXXX XXXX XXXX and facilitate their foreign currency transactions as XXXXXXXX XXXX XXXX 

In XX/XX/2021 as a customer of XXXX XXXX XXXX I converted $ XXXX into $ XXXX USD which was later transmitted as a wire transfer to a customer at XXXX XXXX XXXXXXXX XXXX with Wells Fargo being the " intermediary '' on behalf XXXX XXXX XXXX XXXX XXXX 

Details of the transaction as follows : XXXX XXXX - XXXXXXXX XXXX  File ID - XXXX Receiving Bank Routing Number - XXXX Receiving Bank Account Number - XXXX Individual Name - XXXX XXXX Effective Date - XXXX XX/XX/2021 Bank Transaction ID - XXXX The transaction was discovered to be a sophisticated fraud and at point of discovery the following occurred immediately : I contacted the FBI Cyber Fraud Team XXXX Police Fraud Department provided a crime reference number I attempted to call the beneficiary Bank ( XXXX XXXX ) who confirmed they could only place a fraud freeze on the account at the request of the sending institution. 

I contacted XXXX XXXX XXXX and they made a formal request to Wells Fargo via the XXXX messaging system for them to contact XXXX XXXX  to secure the funds due to fraud until such time as the matter could be investigated. 

Due to Wells Fargo failing to act the funds were distributed/lost to the fraudsters. 

The XXXX XXXXXXXX XXXX  XXXX has completed a full in-depth investigation into XXXXXXXX XXXX actions during the incident ( as XXXX  comes under the XXXX XXXX XXXX ) and they have provided proof that XXXX  contacted Wells Fargo using the secure XXXX  messaging service requesting a recall/freeze of the funds in a timely manner and they had fulfilled their responsibilities. 

What is clear from the investigation to date is that Wells Fargo FAILED to act on these messages from XXXX  for MULTIPLE MONTHS therefore failing to secure/freeze the funds until such time as the Police Investigation could be completed. 

On this basis I hold Wells Fargo directly responsible for the losses for failing to act on the secure messages sent via the XXXX  message system in a timely manner to limit my losses. 

Please note all evidence including a detailed final response letter from the XXXXXXXX XXXX XXXX XXXX AND all proof of the XXXX messages sent from XXXX  to Wells Fargo and their responses have been attached for full visibility. 

I have attempted to raise my complaint with Wells Fargo directly and I quote " We can't take a complaint from you as you are not a direct customer '' My complaint was originally raised with the FDIC ( Ref. No. : XXXX ) and they have advised that I need to raise it with yourselves directly as you are the appropriate agency for Wells Fargo.
Consumer complaint received 2022-10-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

On XXXX XXXX, 2022, I called my student loan servicer, Higher Education Loan Authority of the State of Missouri ( MOHELA ), to request a refund for voluntary payments I made during the pandemic. During my first call, at XXXX XXXX, the automated customer service robot said it was " having trouble understanding me '' every time I indicated I wanted information about student loan forgiveness, despite entering my choice using my phone 's number pad. After three attempts, the company said it couldn't find my loan information and hung up on me. This call lasted 8 minutes, five of which was unskippable information that prevented me from accessing customer service help. 

I called back immediately, at XXXX XXXX, and this time I was able to get through that menu and was put on hold. I was informed my wait time would be 115 minutes, or 1 hour and 55 minutes. I waited about another hour, putting my on-hold time at a total of 3 hours. Nothing in that time indicated my place in line or if I'd even be able to speak to someone. At the 3-hour mark, I hung up because I needed to go to sleep.
Consumer complaint received 2022-10-22
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. (TX)

XXXX XXXX XXXX is reporting incorrect information on my reports I phoned in all my payments. when i made my call XX/XX/2020 i was prompted by the automated phone system for COVID RELIEF i would call every month to pay but they said i didn't have to pay and that the payment would just be deferred to a later date and this wouldn't affect my credit. When i found out they were report negatively i PAID OFF THIS ACCOUNT IN FULL. i would not have let that happen. XXXX broke our agreement The XXXX XXXX. which was signed into law XX/XX/XXXX. XXXX this Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during XXXX XXXX crisis. I made an agreement with XXXX XXXX for payment relief before i fell behind the XXXX XXXX Requires that the creditor to report your account as Current and good standing
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Account was opened in XXXX and was charged off in XXXX. 

I settled the account for less than was owed and paid as agreed in XX/XX/XXXX. 

Credit bureaus are reporting late payments after card was paid off as agreed. 

Credit report showing late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

If I paid the account completely as agreed in XX/XX/XXXX, late payments should no longer be reported after that date.
Consumer complaint received 2022-11-26
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. (MS)

The Consumer Reporting Agencies AND XXXX XXXX have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. 

I sent letters certified to Experian, XXXX and XXXX XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX Experian, XXXX and XXXX. I called XXXX XXXX XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. 


Experian, XXXX, and XXXX have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

In XXXX of 2019 I opened a checking and savings account at Wells Fargo Bank with an opening deposit of a little over {$5000.00}. In XXXX of 2019, when trying to use my debit card it was declined. I checked my account and found multiple suspicious transactions that had posted for that week. I immediately contacted Wells Fargo and reported the fraudulent activity. At the instruction of the Wells Fargo XXXX  team, I went to the Wells Fargo branch where I had opened the account. I sat with my banker and went over all recent transactions that had posted to my account and indicated which ones were not made by me. That information was then submitted to the Wells Fargo XXXX XXXX. Approximately XXXX week later, I received a phone call from the Wells Fargo XXXX XXXX. The agent was quite rude and condescending and informed me that Wells Fargo would not refund the stolen money to me because they believed that it was myself or someone who knew me that had made the transactions. I informed them that I had not made those transactions, nor had I authorized anyone to have access to my account. I even spoke with the agent 's supervisor and was again told that my stolen funds would not be returned. When I asked how they had reached the decision they made, they informed me that XXXX or more of the transactions listed as fraudulent had been made using the chip-enabled debit card assigned to my account. I know this information to be false because I am a XXXX XXXX and was working in Maryland at the time. I opened the account at a branch in Maryland and was issued a temporary debit card ( which did not have a chip in it ). The chip-enabled debit card was mailed to my home in North Carolina XXXX XXXX was still in the sealed envelope it had arrived in. When i confronted the agent and supervisor with this information, they abruptly ended the call. They also did not close the compromised accounts immediately. By leaving the accounts opened, it also compromised my XXXX  XXXX XXXX XXXX account that was linked to the Wells Fargo account. I have made multiple attempts to resolve this issue since that time but have been unable to get anyone from Wells Fargo to help recover my money. As a result of their actions my XXXX  XXXX XXXX accounts were closed and listed as " checking account XXXX ''. Wells Fargo finally closed my checking account with them after it became overdrawn. It is also now listed as closed for " checking account fraud ''.
Consumer complaint received 2023-05-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

Complaint against XXXX XXXX XXXXXXXX. Claim number XXXX and XXXX Against XXXX XXXXXXXX XXXX Customer Advocate XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX This is his email. 

Against NJ banking and Insurance XXXX XXXX XXXX DOBI ) on XX/XX/XXXX. XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Her email is XXXX XXXX Coinbase support case number XXXX on XX/XX/XXXX. XXXX from Coinbase Customer complaint officer ( XXXX ) have responded back to me that he also got a complain letter from NJ Banking and insurance and will resolve the issues directly with DOBI and he closed a case on me. 


Dear Sir or Madam : I am a victim of fraud from Coinbase wherein my money was taken by Coinbase through a wire transfer from XXXX XXXX XXXX. Money was sent from my XXXX XXXX  XXXX personal checking account. 

On XX/XX/XXXX for {$55000.00} On XX/XX/XXXX for {$25000.00} On XX/XX/XXXX for {$50000.00} Total of {$130000.00} I initially filed a fraud complaint against XXXX XXXXXXXX XXXX with the New Jersey Department of Banking and Insurance. Upon investigation by the NJ Division, it was proven by XXXX XXXX XXXX that MY MONEY WAS TRANSFERRED BY WIRE TO COINBASE. I also have proof to show that Coinbase has received the funds. 
However, I have requested Coinbase to return my funds and Coinbase is fraudulently holding my monies and is refusing to return the amount of {$130000.00} deposited by a wire transfer. The funds were wired : My account is with XXXX XXXX XXXXXXXX. From XXXX XXXX XXXXXXXX, I transferred the funds to XXXX XXXXXXXX XXXX which holds the funds for Coinbase. In sum, I am a victim of fraud either from XXXX XXXX XXXX or Coinbase or the XXXX XXXXXXXX XXXX ; they are playing the blame game with me and I am getting nowhere. I respectfully urge a full investigation of the fraud which is being perpetrated upon me in this matter. I can be reached at XXXX XXXX XXXX. Please feel free to contact me if you need any further information. Thank you for your help and cooperation.
Consumer complaint received 2022-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

accordance with the Fair Credit Reporting act. XXXX XXXX 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 porting agency can not furnish a account without my written structions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpost
Consumer complaint received 2022-10-22
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. (PA)

accordance with the Fair Credit Reporting act. XXXX XXXX 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 porting agency can not furnish a account without my written structions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpost
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX XXXX of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022, XXXX XXXX Date of Inquiry XX/XX/2022, XXXX  Date of Inquiry XX/XX/2022, XXXX Date of Inquiry XX/XX/2022 & XXXX XXXX XXXX Date of Inquiry XX/XX/2022.
Consumer complaint received 2017-05-10
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC (CA)

This is about Veterans United home loans.     These guys are shady, this is the  only avenue in which i can voice my complaint as they delete all negative reviews and  complaints about them from their website.     I am a  XXXX   year old  old  XXXX  veteran, i am   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , I am attempting to get a VA  home loan s o i can break the cycle of homelessness i deal with periodically due to the fact my   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .     I qualify, i passed all pre qualification requirements, however they require you to list a next of kin on your application, not as a co-signer or anything, they just want a next of kin.     Well, seeing as how i am   XXXX   XXXX    XXXX  due to  XXXX  alone, I am unable to contact people that first have no business knowing that i am getting a home loan, and second i have n't spoken to in years due to my illness.      If Veterans United were really there for the veterans as all their advertisement states, then they would  understand that some of us deal with issues that we can not simply get over because you want us too, in addition they try to make you as the client to believe that the VA loan itself requires this information, and they can do nothing about the mean ol ' VA 's rules.     Well this is an outright falsification, they require it, and are downright rude and disrespectful when dealing with veterans, i was told if i can not simply get over my illness and require the information the VA states i must have, then i am just wasting their time.     I have no other recourse to make this complaint, they company will not allow you to complain, and simply delete any inquiry on their forums that they think may turn into a complaint, so i just want to get the word out is all, The  XXXX  Veterans in the world are treated like  XXXX  enough as it is, we do n't need to be the target of a company that uses unfair business practices.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-10
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: BARCLAYS BANK DELAWARE (CA)

Failure to alert me of suspicious activity and failure to provide consumer protection against online fraud.   CC Company : Barclaycard,  XXXX , DE Merchant : Tickets  XXXX    XXXX   XXXX   Date  XXXX / XXXX / 2017  Amount : {$810.00} My credit card information was stolen online to purchase  XXXX  same day basketball game tickets. I filed a dispute after speaking to the merchant. Credit card company " investigated '' and found in favor of the merchant. Reason being the merchant said they sent the tickets electronically to a n e mail address with my name on it, therefore that meant I must be made the purchase. But that was NOT my e mail address. The theft who stole my information created an e mail address with my name in it so he could have the merchandise sent to him electronically. That is how online fraud operates!! Anyone could create e mail account using any name they choose!!     Barclaycard told me they have now completed the investigation ; it is now up to me to negotiate with merchant. The merchant tells me to work it out with Barclaycard.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Atlanticus Services Corporation (PA)

I have two credit cards with Aspire XXXX and XXXX Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations