davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NJ)

We have repeatedly contacted Wells Fargo Bank to assist us with a wire transfer that we made to a fraudulent company. This began on XX/XX/XXXX. We contacted them about the fraud on XX/XX/XXXX. The wire transfer was made to a XXXX XXXX Account. We also contacted XXXX to advise them of the fraud bank account. I filed a complaint through CFPB # XXXX and XXXX XXXX responded asking for Wells Fargo to provide a Hold Harmless/Indemnification form for the return of our funds in the amount of {$27000.00}. We provided the letter to Wells Fargo branch Manager in XXXX XXXX - XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX, email : XXXX, on XX/XX/XXXX. Mr. XXXX stated he would forward this to the Financial Crimes Analyst who was handling this and they would be in touch with us. As of today, no one has contacted us or has provided this document XXXX is requesting to get our money back. A name of the person who is handling this was not provided to us by Wells Fargo. We have been shut down by Wells Fargo regarding an investigation into our very serious matter. On XX/XX/XXXX they mailed us a letter stating they are unable to return the money to us. The claim is # XXXX. Letter sent by XXXX XXXX, Financial Crimes Manager, XXXX. We received the XXXX letter through your service on XX/XX/XXXX, not directly through XXXX. We are asking your assistance with Wells Fargo to have them complete this agreement XXXX is requesting so we can get our money back from this fraud company that is a XXXX XXXX   account holder. Thank you for your assistance
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2022-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank Unfairly closed my accounts now i ask them to remove those closed accounts from my credit and they are refusing to remove it. This is negatively affecting my credit score. 

I'm asking them please to remove these accounts that they refuse to reopen from my credit.
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MA)

On XX/XX/2018, I tried to transfer {$2500.00} to my friend, XXXX XXXX, through PayPal. Transaction ID XXXX PayPal locked her account and now the money is just stuck in her fund. She can not refund it to me because the exchange rate made it XXXX XXXX lower than the original amount I sent her. We have tried everything with PayPal to get them to release the funds ; it's been over a year and still nothing. 

At this point, she just wants to refund the money to me through PayPal and be done with it.
Consumer complaint received 2020-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (NY)

I have called the original vendor of this debt. It was an urgent care facility in XXXX Texas. Someone went into this company and had a visit. They used my name and my information. I have not lived in Texas in over 12 years and was not ever in Texas during this visit. I have sent a fraud notification to the XXXX. There were several other entries at one time that they used my insurance and name. I had many removed over the years. Now it seems as though this debt collection company bought this debt and now they are trying once again to hammer my credit. I sent them the correspondence from previous debt collectors on this. I asked them to send what vailidity they had twice. XXXX and again in XXXX. They have not sent me anything. I disputed this on my credit report. They continue to disregard my pleas. I sent this letter in the mail again asking for validity..
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRUIST FINANCIAL CORPORATION (NC)

I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 

Inquiry Details : - Creditor/Institution : LIGHTSTREAM - Date of Inquiry : XX/XX/2023 - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 

Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report. 

Previous Notices : Please be informed that I have already sent notices directly to XXXX disputing this and other inaccuracies. Under the FCRA, you are obligated to conduct a reasonable investigation within a 30-day period and either provide the requested verification or remove the disputed inquiry.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid 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. (FL)

On XX/XX/XXXX A payment was made to my credit card for the full amount which at the time was {$1000.00} from someone unbeknownst to me. On XX/XX/XXXX I made a payment of {$300.00} to my credit card like I always do through my bank application. After checking my statement the next month I see the payment that was made from the other party, a refund for the {$300.00} payment I made and a few charges for requesting a refund and making a payment over the phone of which none I requested or did. Apparently the {$300.00} payment I made was refunded to the person that did the other payment the day before and they payment for the full amount they did over the phone was declined. I called my credit card company they claimed that It all came from me, which it didnt. I didnt have that amount of money in my bank account nor do I ever pay my credit over the phone, so they opened a case, then after a few months denied it demeaning me responsible for the changes. I called again they opened it again, I received no answer. They said I should send a letter and my bank statement since they are saying it all came from my bank account so I did all of that, still no answer. I did it to show them that there was no charge for {$1000.00} and also no refund for {$300.00}. Im losing out on {$300.00} and a year worth of interests on those {$300.00}. And the credit card company keeps giving me the run around even though I follow their steps. I havent use this credit card since and have asked them to not allow any other ways of making payment but by the bank application so that its known its me making further payments in any case this happens again.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

On XX/XX/XXXX Capital One sent me a check for {$29.00} for a credit refund I had on my account. They sent the check to an old address and I never received the check. I was in XXXX Training back then and I had no way to contact them so now that I am done with training I called them on XX/XX/XXXX and today XX/XX/XXXX there problems with their system so conveniently. And they tell me to call later or they just hung up. Ive waiting on the phone for 1 hour and 5 minutes and then they just hang up on me. 
If you or capital one needs proof of my XXXX training, let me know. 
I was in XXXX Basic Training and XXXX since XX/XX/XXXX until XX/XX/XXXX I am attaching my immigration form with the date since I was in XXXX training so you can see that I am being truthful and Capital One is just playing with my request
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (GA)

I use Chase online Bill pay for everything and never had an issue. When I closed my mortgage with XXXX  I set them up as a payee - on XX/XX/XXXX and XX/XX/XXXX Chase successfully cut a PHYSICAL check to my mortgage provider. My loan was sold, and then resold to XXXX this year where I reset up my XXXX payee EXACTLY as it was in XXXX. However, without warning or my knowledge Chase did not cut a physical but rather sent the payment electronically. I did not authorize an electronic payment nor did I want it electronically. So the payments they sent on XX/XX/XXXX and on XX/XX/XXXX went to non-existent accounts. They were not XXXX 's accounts, the intended recipient. They amount totals {$3400.00}. I have tried calling multiple times and filed a claim directly with the company on XX/XX/XXXX asking them to investigate. They have NOT been able to produce a trace number for me nor a receipt of any kind verifying the account that the money was sent to. Today, XX/XX/XXXX they notified me that my claim was denied. However they did not attach any additional proof of trace numbers or the exact accounts that the money was actually sent to. These were not XXXX 's accounts and XXXX wasn't even aware that Chase had their Banking information. Consumers need to be given the option to set up electronic or physical checks because of this EXACT reason. I was expecting a physical check to be cut as they have always done in the past. I need to get back that {$3400.00} so I don't lose my house.
Consumer complaint received 2020-04-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (UT)

I have been operating business as usual but I have had a higher transaction volume and amount. The account was asked to provide more info to verify, fine I did that. Minutes later, it had to be automated my account was closed. Now I have to await up to 180 days for the money. MY customers have paid for orders, I have inventory to buy. MY family is now being effected, I am being effected, my business, wellbeing, mental health. I need my money so I can continue to earn money and do business. I have upset customers now and it Is because someone is holding MY money.
Consumer complaint received 2020-04-16
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. (FL)

www.myequifax.com IS NOT ACCESSIBLE TO ME * DUE TO MY XXXX  XXXX  & AGE. IS THIS DISCRIMINATION AGAINST MY AGE OR XXXX? I have tried & tried to gain access TO NO AVAIL until my hands bleed. I have ASKED FOR SPECIAL NEEDS OPTIONS FOR ELDERLY  XXXX ( *** specific instructions ) TO NO AVAIL. XXXX LAWS & Guidelines STATE ACCESS MUST BE PROVIDED FOR ALL XXXX.. Kindly Note THIS WAS MY ISUUE IN ID THEFT case XXXX I HAVE BEEN PROVIDED NO ACCESS TO MY BANKING. Equifax confirms getting this report. WHY ARE FINANCIAL INSTITUTIONS ALLOWED TO DENY THE ELDERLY  XXXX. AGAIN I ASK FOR ACCESS www.myequifax.com. ( Kindly Note CFPB web is THE ONLY FORM OF CONTACT I AM PROVIDED. ) ** ELDERLY  XXXX PERSONS MATTER!!!!
Consumer complaint received 2020-04-16
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. (MN)

( 1 ) XXXX, Equifax, and XXXX  ( " the Bureaus '' are credit reporting companies. 
The information that they obtain which is actionable under the FCRA is from credit furnishers. 
( 2 ) In XXXX, I disputed information about a bankruptcy being reported by the Bureaus. 
( 3 ) XXXX resolved the dispute by stating " verified by the United States District Court. '' This statement was patently false. As a matter of law, federal courts neither furnish nor verify personal case or bankruptcy information to credit bureaus. 
( 4 ) On XX/XX/XXXX, I submitted a " dispute '' online with XXXX  and XXXX  stating that since federal courts do not supply or verify information to credit bureaus, the Bureaus either never verified the accuracy or obtained the existence of the public record through a data source.

( 7 ) This circular process violates my right to accurate reporting by the Bureaus and their opaque but intentional disregard for the FCRA and related doctrine. 
( 8 ) The irony is that I provided the Bureaus, via certified mail, copies of my bankruptcy for the purpose of the Bureaus deleting three accounts by XXXX that are labeled " education loans '' but were determined by the federal courts to not be exempt from Chapter XXXX discharge. The Bureaus ignored the bankruptcy documents, since then these agencies found it not strange that XXXX has changed the status on the challenged accounts about six times in the last 7 weeks.

( 9 ) The CFPB has failed its duty to protect consumers against crafty Bureau policies that side-step federal law out of allegiance to corporate data furnishers. These Bureau tactics have a sweeping impact on interest rates, our nation 's economy, and have cost me tens of thousands of dollars in interest and overpayment for goods due to the rating of these Bureaus.

( 10 ) The CFPB should undertake a joint study with Congress on how to minimize Bureau abuse and avoidance of responsibility for their meaningless dispute process.
Consumer complaint received 2020-04-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

I have tried to call several times and no one will answer the phone. I have disputed this account with my credit bureaus and it gets taken off then reappears months later. They will not send proof of the account being mine. They have not sent any letters in the mail for me to dispute and no way to contact them to dispute the collection. The account is over XXXX years old and statue of Limitations is up.
Consumer complaint received 2020-04-16
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. (GA)

In XX/XX/2020 I had to get a loaner vehicle from XXXX because my car was being repaired. I had to present a card for any incidental damages. I have attempted to call Citi over 5 times and each time sat on hold for 1-2 hours with no conclusion due to being placed on hold indefinitely when asked to speak regarding my dispute. 

The entire {$430.00} should be reversed. XXXX provided no documentation of me committing to the insurance because I didnt sign anything. Please advise with this being the case how am I liable for this balance. When I escalated this in writing they did no investigation and continued to side with the vendor though they have no documented proof and now are threatening to report negative marks to my credit file
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

i been applied for my UI benefits and got confirmation that evrything would come through. i've found out i've gotten three payments into m account and have yet to receive my prepaid card. i filed on XX/XX/2020. i really need my card and been trying to contact someone on whats going on and haven't received a response yet. please help
Consumer complaint received 2019-12-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-04-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I, XXXX XXXX, hereby appeal my Chase bank which account number is XXXX, has charged the insufficient funds fee without my permission, thereby I request the following charges to be refunded. Here is a list of the total amount is {$1400.00} on 43 items each {$34.00}. 
XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00} XX/XX/XXXX insufficient funds fee {$34.00}
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Bureaus, Inc. (NY)

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX 2. I asked for the original contract bearing my signature. 3. I asked for the payment history and last payment date made on this account. 4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from Bureaus Investment Group Portfolio NO 15 LLC. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a XXXX XXXX XXXX XXXX!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
Consumer complaint received 2020-04-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC. (NY)

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 
1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX XXXX. I asked for the original contract bearing my signature.

3. I asked for the payment history and last payment date made on this account.

4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a Real estate Internet Solution!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MA)

Target states online payments received by XXXX XXXX are credited as of the day of receipt. I made my first payment on XX/XX/XXXX and that payment was not credited to my account until XXXX weeks and XXXX days later even though it was shown on my bank statement on XX/XX/XXXX. I made my XXXX payment on XX/XX/XXXX. It is now XX/XX/XXXX and still have not been credited to my account.