davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (ID)

On XX/XX/2022 my Wells Fargo account was hacked online and money was transferred from my savings account to my checking account then my credit card was used to make fraudulent charges. They created a travel plan on my account that from XXXX to XXXX. I contacted wells fargo within 30 mins of the activity showing on my account. I turned off the credit card that was compromised. As i was on the phone with wells fargo agent i changed my account user name and password. They told me to give them 10 days to investigate the claim, then declined my case saying there was no fraudulent activity. I called back and they told me they would reopen the case with higher management and that i needed to give them 10 more days to investigate. I called back during the second set of 10 days multiple times looking to talk to a manager and they were never available and they never returned messages or calls. I have all the evidence needed to prove my account was hacked but wells fargo did not help at all with listening to my input and basically kept telling me they would call me back on multiple times and never did. They finally told me the case was never reopened on the last time I called them and they said i would not get my money refunded. I lost a total of {$4600.00} dollars. After i received no help from wells fargo. I contacted a lawyer for advice and was told to file a police report about the case. I filed a police report on XXXX. I'm taking all measures possible to hold wells fargo accountable as i have proof of the fraud on my account. As their customer of over 10 years it is very frustrating that their customer service was all but professional. I would like any advice and help I can receive in pursuing Wells Fargo to refund my account of the money that was stolen.
Consumer complaint received 2022-12-29
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. (DE)

I Did not consent or authorize nor benefit from the following inquiries. Please block and remove the following from my credit report : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX 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 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2022-06-02
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 (OR)

Capital One Quicksilver has put my last 3 credit card payments on a 26 day hold. The 3 payments total {$2900.00}. 
I've spent the last 3 hours talking to 6 different Capital One call center employees. None of them could tell me why the payments are on hold, just that they are on a 26 day hold. They have also told me there is nothing that can be done and they refused to escalate my call.
Consumer complaint received 2022-02-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (CA)

XX/XX/XXXX : opened checking acct with US bank due to offer promotion of $ 400-450 from flyer local branch ( requirement : direct deposit total $ 4k for 4-6 months ). Within 60-90 days, the offer cash out will be credited to the acct. 
No credit until, i came to the branch XX/XX/XXXX. Spent many hours going to the branch and phone calls, no follow up. 
XX/XX/XXXX : went to the branch and i was told being researched. The US Bank associate refused to provide me with the upper mgmts contact XX/XX/XXXX : still researching and finally XX/XX/XXXX got the incorrect credit of {$300.00} instead of 400-450. In addition, there was no any compensation of waiting for almost 8months. I filed complain now, because i was in the middle of medical treatment last year. 
Please assist me on this.
Consumer complaint received 2022-02-03
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (RI)

i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, XXXX XXXX.
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have contacted the Credit Bureaus regarding their reporting of bankruptcies listed on my credit report. Initially they told me that the listing were being reported by XXXX XXXX and I needed to contact that company. I have contact XXXX XXXX as well as my local bankruptcy clerk of court. The clerk of court has responded that they do NOT report to any credit bureau and I have contacted XXXX XXXX who has confirmed that they are NOT reporting any bankruptcies on my credit bureau however, the bureaus continue to report XXXX. When I ask for verification they send me a letter stating that it is confirmed and that they will not reinvestigate.
Consumer complaint received 2020-04-02
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX   XXXX XXXX XX/XX/2018 TOYOTA MTR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica (CA)

Tried to contact DirectExpress. on XXXX. Also last week. No available agents to answer. Waited on hold, then. Drops. Tried about six times to get through. 
Must get this taken care of. Twice when, buying gas. And recently on XXXX Was declined Three times. When I had a balance of XXXX. In my account. Also, A debit on my account of XXXX From XXXX XXXX I tried to contact this company also. I don't know what this is concerning. 
I'm a XXXX  living on {$800.00} social Security. And the stress level is becoming unbearable. 

This is my final attempt to get some relief, after trying to contact both credit card, and the debtor. 
Thank you, for anything you can do.
Consumer complaint received 2022-06-01
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. (AZ)

I have already sent multiple letters to the credit bureaus addressing the billing errors that is appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXX XXXX XXXX XXXX XXXX : {$21000.00}
Consumer complaint received 2022-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

n accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish account without written instructio
ns.
Consumer complaint received 2024-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2 out of 3 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.
Consumer complaint received 2022-06-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (NJ)

Early XX/XX/2021 I applied to my mortgage company for a refi and I submitted an application online as instructed. I informed my loan officer who acknowledged my message and said he'd look into it. I reached out several times to him and received no response concerning the refi status and I didn't receive a letter concerning status either. I called the mortgage company and they kept giving me to the same loan officer. My credit was pulled and its been over a year and I still haven't received any feedback or information from my mortgage company.
Consumer complaint received 2022-06-01
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: U.S. BANCORP (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2024-01-06
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. (FL)

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

XXXX is being reported
Consumer complaint received 2024-03-18
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. (TX)

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. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-01
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: AMERICAN EXPRESS COMPANY (CA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-06-01
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. (SC)

I have some inquiries that I didn't authorized on my credit report and unaware of. 
Inquiries : XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (AR)

I WAS A VICTIM OF 4 FRAUD INDUCED MONEY TRANSFERS REFERENCE XXXX ON XX/XX/XXXX, REFERENCE XXXX ON XX/XX/XXXX, XXXX, REF XXXX ON XX/XX/XXXX AND REF. XXXX ON XX/XX/XXXX, XXXX TOTALING OVER XXXX.MONEYGRAM NEEDS KEY IN THIER SYSTEM AS SUCH.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I am uploading this showing my filing for identity theft which occurred in XXXX of 2022. Due to this happening money was taken from my only bank account and I wasnt able to make my payments on my credit accounts. Most of these accounts are now closed and charged off. I need these negative remarks removed to be able to get a loan if something happens to me and my family. I am the sole income of my house with a wife and a XXXX. I need help please
Consumer complaint received 2024-02-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I was asked to send money to invest in XXXX and when it started to show a profit, the money disappappered. I made several attempts to get a hold of these companies to no avail.I will send attached documents for more details
Consumer complaint received 2022-06-01
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. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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 reporting agency can not furnish a account without written instructions.
Consumer complaint received 2022-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Coinbase, Inc. (CA)

On XX/XX/2022, I made the mistake of not bridging the original transaction, because of my newness to this industry. I have sent {$18000.00} to the hash address at XXXX in coinbase. This was a mistake obviously and the transaction shows my funds just sitting there but not in coinbase. 

I filed a Case # XXXX to Coinbase to access help to make my funds available on my coinbase account, through the XXXX coin using that particular coins transaction hash ( address ) to accomplish this transfer. 
I was told that coinbase couldn't find my transaction hash on XXXX, and rightfully so, because this wasn't done on XXXX, but was done on XXXX., this is a XXXX transaction whereby I made apparently made 2 mistakes by not bridging my XXXX coin funds from XXXX ( XXXX XXXX ) to XXXX blockchain, through XXXX a ( XXXX XXXX ) exchange and by mistake, ( DUE TO POOR DISCLOSURE ) approved my transaction, that shouldn't have been permissible to go through, to XXXX XXXX transaction hash address. 
-- Mistake # 1 I tried sending my XXXX XXXX to my XXXX XXXX hash address ( obviously not the correct way ) according to XXXX wallet, who still allows you to continue with your transaction, even though it's going to not work. 
Mistake # 2 I didn't Bridge to XXXX XXXX as they call Exchanges like Coinbase and XXXX XXXX XXXX. This creates the need for a bridge ; which, is not explained very well XXXX XXXX the XXXX XXXX XXXX site. I thought I was doing this correctly AND HAD NO POP-UPS TO STOP MY ACTIONS, only to find out I didn't and now have over {$18000.00} trapped in Cyberspace, that I can not access. 

THE URL BELOW IS THE LEDGER OF MY TRANSACTION SHOWING MY MONEY JUST SITTING THERE UNABLE TO BE ACCESSED : https : XXXX
Consumer complaint received 2022-02-03
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: EQUIFAX, INC. (CA)

I have tried to remove these inquiries and this fraudulent account for the last 4 months and it has stopped me from being able to get new accounts due to these fraudulent information. I would really appreciate if you can remove and block this information from my credit report and send me a copy of my credit report showing the removals. I need peace of mind at this point this has been going on for way too long.
Consumer complaint received 2020-03-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WINN LAW GROUP, APC (CA)

To whom it may concerned, I am respectfully requesting help with a law firm/debt collector, Winn Law Group, in which I have recieved 2 letters threatning legal action if I did not contact them for a resolution. The last letter I recieved was XX/XX/2020, notifying me that they intend to enforce legal proceedings to obtain payment. I have tried numerous times to contact them by phone and email and have been unsuccessful. They have an email address of XXXX in which you will recieve an automatic reply that they do not respond to emails. If you call there phone number, ( XXXX ) XXXX, you will be directed to leave a message in which you will never recieve a call back. I had to do a web search to try and find any other possible way to communicate with the Winn Law Group and discovered a website of Winnlawgroup.com, in which you can submit an offer regarding your debt and I proceeded in submitting and completing that option, unfortunately I still have not heard anything back, nor did I recieve a confirmation that I submitted anything.