davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

This bill account was set up to pay my mother 's bills after my father passed away. While I was being email bombed, I was busy deleting emails from the last couple of days in XXXX to XX/XX/XXXX and I came across an email that said I sent a transfer to someone named XXXX. I immediately called Wells Fargo about the transaction and found out transfers had been happening all that week. I did not make the connection that the transfers and my overwhelming emails were the same problem. After talking to the bank, freezing my accounts and opening another one, and submitting a fraud claim, I went to my email and changed my passcode. After doing that the emails stopped. There is history showing that the only thing I use the account for is to pay bills. 

Today I received a letter stating that their research showed the transactions were made through a secure online banking session by me or someone who had authority. They said they could not disclose how it was done and where it was done. When I was on the phone I let them know I use my Apple Pay daily but never let anyone have my personal information. 
I am confused that XXXX was taken with my consent. I would never do that to my mom. The only other person on the bank account is my XXXX XXXX XXXX. My mom does not know how to do anything online. My sister lives in XXXX and would not do this. Please help me understand what happened. Wells Fargo is asking for evidence that I did not do it. The only thing I have is all the emails I had to delete that preoccupied me from seeing the earlier transactions. How can I get this money back? 

XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-28
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX, I filed a credit card chargeback to BoA against my stay at a certain hotel back in XXXX, and my claim was denied. I called BoA on XX/XX/XXXX to clarify the situation. The fact is that the hotel may have been illegally evading taxes, and their practice would be refusing to release the folio, which outlines the costs I have incurred of my entire hotel stay. I had to file a chargeback, because the hotel had charged me what I felt was an unreasonably high amount, and I had no information regarding my costs in an itemized statement. In my phone call, I explained to BoA that the document I received was something that I had not seen before. It was mailed to me in the letter saying my claim was denied. I told the representative that I disagreed with some of the charges, to which he said he could do nothing for me. I also told the representative that the document had a date of XX/XX/XXXX, which meant that it was fabricated after my hotel stay. I suggested to him that isn't it fraud to make unauthorized charges? That was how I felt because I didn't agree to the charges. I also suggested how fraudsters can take advantage by making arbitrary fees that I didn't agree with. The representative would not help me because he wanted proof that the charges were invalid. This alarmed, stunned, and made me furious. The burden of proof should lie with the merchant, because I am the one making the claim. The representative refused to help me. Although I can not determine definitively whether he was lazy or incompetent, I am making this complaint because I did not like the way I was treated by BoA.
Consumer complaint received 2019-12-16
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: SYNCHRONY FINANCIAL (FL)

On two separate occasions their were two hard inquiries placed on my credit. One in XX/XX/XXXX on the XX/XX/XXXX by syncb/walmrt and the other one on XX/XX/XXXX by XXXX XXXX both in 2019. It does not give me the amount it just shows as a hard inquiry.
Consumer complaint received 2019-12-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ZWICKER & ASSOCIATES (GA)

ZWICKER & ASSOCIATES, P.C. ATTORNEYS AT LAW From : XXXX, Ma. sent a sheriff deputy to my house trying to sue me for a credit card debt that I am disputing with XXXX XXXX due to the fact that my information has been compromised with XXXX and XXXX  and others. 
I wrote to XXXX XXXX and they never responded. I am requesting validation of the debt. My personal financial information has been compromised in a few sites and I been trying to clean this mess for a long time. This creditors and lawyers use the law to intimidate and harass customers and I don't appreciate the fact that a sheriff came to my house to serve me paperwork to sue me. As a consumer I have rights and I don't understand why is so hard to provide the validation of the debt.
Consumer complaint received 2023-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2023-05-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc ()

I want This Letter Be sended To the Executive of paypal Because Im so serious with this Complain. 

Subject : Unjust Account Suspension Dear PayPal Customer Support, I am writing to express my deep concern and disappointment regarding the recent suspension of my PayPal account. I believe there has been a misunderstanding, and I kindly request a thorough review of my account 's suspension. 

Firstly, I would like to emphasize that my business is solely focused on web hosting services, not file sharing. I provide web hosting solutions to clients, allowing them to host their websites and applications on servers I manage. Web hosting is a legitimate and widely recognized service in the online industry, catering to the needs of businesses, individuals, and organizations. 

I was surprised to receive a notification stating that my account was banned due to alleged file sharing activities. I can assure you that this accusation is entirely unfounded and misaligned with the nature of my business operations. Web hosting involves storing and sharing website files, not engaging in unauthorized file sharing activities that violate copyright laws or intellectual property rights. 

Furthermore, to verify the legitimacy of my business, I have previously provided PayPal with detailed information regarding my Website, including its name, address, and nature of services. I have also shared the estimated amounts that will be received in my PayPal account from my web hosting clients. These details were intended to demonstrate the lawful and transparent nature of my operations. 

I have been a loyal PayPal user and my account has always been in good standing. I have conducted numerous transactions securely and efficiently, with no history of any fraudulent or unethical behavior. It is disheartening to face such a severe consequence without any prior warning or opportunity to clarify any misunderstandings. 

I kindly request that you review my account suspension and reinstate it as soon as possible. I am willing to provide any additional information or documentation that may be necessary to verify the legitimacy of my business operations. I understand that PayPal has security measures in place to protect users, but I believe my case has been mistakenly flagged and requires further investigation. 

I am confident that a thorough review will reveal the true nature of my business and demonstrate my compliance with PayPal 's terms and conditions. I value the convenience and reliability that PayPal offers, and I hope we can resolve this matter promptly and amicably. 

Please contact me at XXXX to discuss this issue further or to request any additional information needed. I have attached the previously submitted information for your reference. I look forward to your swift response and the reinstatement of my PayPal account. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

-The investigation took more than 30 days. 
I was taken advantage of after several practices have been broken under the law of the FCRA. You have hurt my ability to obtain credit. CAN'T GET A SBA LOAN ( SERVAL OF LAWS HAVE BEEN BROKEN BY YOUR COMPANY XXXX XXXX Transunion consumer solutions
Consumer complaint received 2023-03-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-12-23
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: ONEMAIN FINANCE CORPORATION (TX)

HELLO MY NAME IS XXXX XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY ID AND SOCIAL ALONG WITH OTHER ITEMS AND LATER OPENED FRAUDULENT ACCOUNTS IN MY NAME. THE FOLLOWING ACCOUNTS DOES NOT BELONG TO ME, THEY WERE FRAUDULENTLY OPENED : ONE MAIN OPENED : XX/XX/19 AMT. XXXX   ONE MAIN OPENED : XX/XX/19 AMT. XXXX I HAVE ENCLOSED MY POLICE REORT AND ID THEFT REPORT.
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2021 I informed The consumer reporting agencies, Transunion, XXXX, and XXXX of inaccurate reporting of my credit file. It is now over 30 days and they have not provided me a response. They are negligently violating my federally protected consumer rights.
Consumer complaint received 2019-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: First Technology Federal Credit Union (OR)

We have a HELOC with First Tech Federal Credit Union, which has always had a zero balance, and they charge us a {$100.00} annual fee to keep the account open. We never received any notification that it was time to pay our {$100.00} fee in XX/XX/XXXX, but we noticed the {$100.00} balance when we logged in and we paid it before the due date. Without our knowledge, they also charged us {$0.00} of interest on that {$100.00} fee, which wasn't reflected in the balance due so we didn't know about it. Because we didn't pay the {$0.00}, it appeared as past due so they added a {$5.00} late fee to our account. They never sent us a notification about any of this, and whenever I logged into my account it showed a balance of {$0.00}. In XX/XX/XXXX, they reported the account as " delinquent '' to the credit bureaus because we had an unpaid balance of {$5.00}, but they never told us that we have an unpaid balance and it still shows a balance of {$0.00} when I view my account online. When I called their customer service department, the representative was completely unapologetic and made it seem like it was all my fault. Now their mistake is negatively affecting my credit score, which isn't right.
Consumer complaint received 2019-02-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (NC)

I received a letter from " GC Services Limited Partnership '' with the return address of XXXX XXXX XXXX, XXXX PA XXXX. The provided phone number was XXXX The letter was to inform me of a fraudulent {$1100.00} debt on my " account with XXXX ''. I know that this is fraudulent because I have never been a customer of XXXX in my life ; I have used XXXX XXXX XXXX since my first cell phone, and I have always been on a family plan -- I have never had a phone bill in my name. 

I considered calling the company, but given a XXXX search I inferred that they are a predatory collection agency and decided I would have more success contacting the CFPB first.
Consumer complaint received 2021-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2021 I received a text message from Wells Fargo Fraud department stating there was unusual transactions on my account. I was about to call them when I received a phone call from a XXXX number. I answered the call and a man stated he was with Wells Fargo Fraud Department and was calling about unusual account activity. He verified my identity asking for my last 4 of social, DOB, and card number ( all normal verification questions that were also asked when I filed my claim with Wells Fargo later. This person stated his name was XXXX XXXX and after confirming I did not make a {$120.00} transaction, he stated he was shutting off my debit card and they would be mailing me a new card. While I was verifying my address for the new card to be sent to, I logged into my Wells Fargo app to check my account and noticed there was a {$500.00} and a {$380.00} charge along with numerous attempts ( at least 10 ) for the {$120.00} charge all within minutes while I was on the phone. I immediately turned off my debit card on the app to stop any further charges and hoped Wells Fargo would straighten it out as I had spoken to someone within minutes of it happening. Saturday morning ( 36 hours later ) I noticed my money had not been credit back to my account so I called Wells Fargo Fraud department to check status of my claim. They said I had no made a claim and after some confusion we deduced that the person I was speaking with had not been with Wells Fargo. I made a claim with them immediately. It is now 6 days later and I called to check status and they are telling me it is denied. This money was stolen from my account by someone stating they were with wells fargo and thought they were trying to help protect my account. Charges stolen total {$1000.00}.
Consumer complaint received 2024-03-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-03-01
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2019-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to the bank to get a business loan for my XXXX  and was not able to get approved. I was told where I can go and pull a copy of my report and I see other people accounts on my credit. Can you guys please remove these accounts so I can get the loan needed to get equipment. XXXX XXXX/XXXX  XXXX. XXXX  XXXX/XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  , XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. I have contacted the FTC and the police.
Consumer complaint received 2019-02-09
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 checked my credit score recently and saw that there was a hard inquiry done by XXXX on XX/XX/ 2018 on my credit report that was not authorized by me neither was I informed of a credit inquiry being done on my credit report. I later spoke to XXXX XXXX XXXX and they told me they want to know my credit score and then a hard inquiry which I did not authorize also the car that they sold me was a lemon so I took back the car.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

Demand for Immediate Action and Compensation for Inadequate Removal of Fraudulent Account NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT *Complaint Details : * This complaint is filed against EQUIFAX for their failure to remove a fraudulent account from my credit report, despite clear evidence and multiple disputes. This failure has resulted in unnecessary emotional discomfort and financial harm.
Consumer complaint received 2023-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (FL)

I closed my XXXX  ( AKA : XXXX XXXX ) personal account and switched to a business account in XXXX of XXXX. I made a payment, on the unpaid balance, XX/XX/XXXX. At that time, received notification that my local Post Office was closing and all correspondents would route through a primary branch for pickup ( see attached notice ). As a result, several of my correspondents were misfiled and misplaced. Those included in this debacle were a billing statement, from XXXX, and a collection letter, from Sunrise Credit Services Inc. These were later located at the Post Office, but were just received by me within the last week. ( See attachments from XXXX and Sunrise Credit Services. ) I was making payment to XXXX, on the unpaid balance, when the noted billing statement was received ; dated XX/XX/XXXX. However, the Sunrise Credit Services Inc collection letter is dated XX/XX/XXXX. Hence, within 4 business days Sunrise Credit Services Inc was contacted by XXXX, purchased the debt, allegedly input my information into their database, then composed and posted a letter. This appears impossible and extremely fraudulent to me. Please also note that the included collection letter copy denotes a bogus original creditor account number, compared to my billing statement, from XXXX. This all appears to me as though some type of scam activity is taking place. I have, after finally receiving the billing statement from XXXX, paid the outstanding balance. However, Sunrise Credit Services has an online reputation of placing unfounded derogatory information on individuals credit reports. So, I do not want to become one of those statistic victims. 

Im filing this complaint to have the CFPB office intercede, issue a cease and desist to Sunrise Credit Services Inc, and stop them from attempting to place any derogatory statements in my credit files.